# BRIDGELOCK CAPITAL

> **Canonical URL:** https://saferate.com/lenders/bridgelock-capital


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


BRIDGELOCK CAPITAL is a independent mortgage company, headquartered in WOODLAND HILLS, CA, serving borrowers across 4 states, with 125 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 79% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 61% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300YIOSILVWW8FH16
- **Headquarters:** WOODLAND HILLS, CA
- **Geographic Reach:** Regional
- **States Served:** 4
- **State List:** CA, FL, GA, NV
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 95.5%
- **Brokered/Wholesale:** 4.5%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 21/100
- Rating: ●●○○○ (2/5)

### Pull Through: Acceptable 🙂
- Score: 39/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +0.460%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,988
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 125
- **Dollar Volume:** $70 million
- **Applications Received:** 178
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $561,160
- **Average Borrower Income:** $242,952
- **Average Property Value:** $819,720

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 37/100 | 111 | +0.463% | $3,303 | Acceptable 🙂 |
| Jumbo | 40/100 | 10 | +0.579% | $563 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 90 loans, Score: 37/100 (Acceptable)
- Refinance: 21 loans, Score: 31/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 38/100 | 102 | $58M | +0.486% | Acceptable 🙂 |
| Refinance | 28/100 | 23 | $12M | +0.334% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CA | 71 | 0.02% | 60/100 |
| NV | 49 | 0.12% | 65/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Las Vegas | NV | 49 | 66/100 |
| Oxnard | CA | 23 | 61/100 |
| Los Angeles | CA | 22 | 53/100 |

## Frequently Asked Questions

### What loan types does BRIDGELOCK CAPITAL offer?

BRIDGELOCK CAPITAL offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does BRIDGELOCK CAPITAL offer mortgages?

BRIDGELOCK CAPITAL offers mortgages in 4 states: CA, FL, GA, NV.

### How competitive are BRIDGELOCK CAPITAL's mortgage rates?

BRIDGELOCK CAPITAL has a pricing score of 21/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.460% above market average.

### What type of lender is BRIDGELOCK CAPITAL?

BRIDGELOCK CAPITAL is a non-depository lender that specializes in mortgage origination, headquartered in WOODLAND HILLS, CA.

### What is BRIDGELOCK CAPITAL's loan approval success rate?

BRIDGELOCK CAPITAL has a pull-through score of 39/100 (Acceptable). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/bridgelock-capital

### How to Cite

> "BRIDGELOCK CAPITAL Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/bridgelock-capital

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