1. 1
Secure the
future of your
business
W.J. Bradley Mortgage Capital, LLC | www.WJBRADLEY.com
6465 Greenwood Plaza Blvd., Suite 500 Centennial, CO 80111

2. 2
WJB from the Beginning
2002
2005
2007
2008
2009
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Founded in 2002, W.J. Bradley Mortgage Capital, LLC is a rapidly-growing residential mortgage
banking firm headquartered in Centennial, Colo. with centralized fulfillment operation centers in Salt Lake City,
Centennial, Colo. and Bellevue, Wash.
William J. Bradley founded W.J. Bradley Company Merchant Partners, LLC in Denver, Colorado
Made first five acquisitions
Centralized operations and fulfillment headquarters opens in Salt Lake City, Utah
Company renamed as W.J. Bradley Mortgage Capital Corporation and shifted from acquisition strategy to partnership model
Reached $1.2 billion in loan volume and experienced the fifth consecutive year of growth
Company renamed as W.J. Bradley Mortgage Capital, LLC
Reached $2.2 billion in loan volume by close of year
Reached $2.4 billion in loan volume
Received Fannie Mae and Freddie Mac approvals
Open a second operations center near in Centennial
Received Ginnie Mae approval
Rank as No. 21 on the list of Top 100 Mortgage Companies in America (by Mortgage Executive Magazine)
Reached $6.5 billion in loan volume by close of year
Opened a third operations center in Bellevue, Washington
Rank as No. 8 on the list of Top 100 Mortgage Companies in America (by Mortgage Executive Magazine)
Ranked as No. 4 on the list of Top Retail Volume Lenders (by Scotsman Guide)

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W.J. Bradley strives to return the industry to one of solid business principles. We focus on
relationships with our clients above all else and employ our loan officers to operate to the same standards.
Conducting business with a level of trust and respect is paramount, as we encourage clients and others in the
industry to rediscover the value of homeownership.
The executive management team leads our company with a clear vision of how to strategically and effectively
grow our business. As veterans from all segments of the primary and capital markets space, the leadership team
positions the company for advancement and assessing appropriate market risks and opportunities.They are an
exceptional team of innovative individuals with a firm belief that success will only come with a strong commitment
to knowledgeable and quality service.
W.J. Bradley was founded in values of Integrity and Character and those are the presiding Characteristics that
still drive how the Company conducts business today, with customers, partners and the industry at large.
Today and in the Future
Culture is paramount and Communication is key.

4. 4
Branch Locations
W.J. Bradley currently has more than 80 branches across the country, including Arizona, California,
Colorado, Florida, Idaho, Illinois, Michigan, Minnesota, Nevada, Oregon,Texas, Utah, Washington, and Wisconsin.
Total Loan Volume
2009 $1.2 billion
2010 $2.2 billion
2011 $2.4 billion
2012 $5.8 billion

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Ranked among the top 10 U.S. independent mortgage banking firms, W.J. Bradley is licensed
in more than 30 states, has more than 80 retail branches and operates with more than 1,500 professionals.
We look to market leaders to help us strategically develop local growth and are willing to make the necessary
investment in bringing the very best and brightest in the industry to the W.J. Bradley team.
Unprecedented Growth
2012 W.J. Bradley Growth by the Numbers
8
Ranking among U.S.
Mortgage Organizations
9
Consecutive years of increased
year-over-year growth
10
Number of employees hired for
dedication to capital market efforts
352
Number of
production-based hires
16
Average turn time for new purchase
loan submissions, in hours
12
Number of loan officers
named among the country’s Top 200
Highest-Producing Originators
19,803
Number of units funded
by Originators
5.797
Origination volume, in billions
(USD), produced

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Future of Mortgage Lending
As a direct lender with Fannie Mae, Freddie Mac and Ginnie Mae, W.J. Bradley offers a diverse
range of products.
Primary Markets
Correspondent
Lending
Capital Markets
End InvestorWJB
Financial Services
W.J. Bradley
Mortgage Capital, LLC
Borrower

7. 7
IT
• Online access to all systems
• Complete visibility into the loan process within a single
system and access to transaction logs for update timing
• Ability to quick draw docs for loans even with
outstanding conditions
Marketing
• Marketing portal and personal websites
• Strategic planning and execution
• Personalized branch and LO support
Operations
• In-house appraisal management and in-house processing
• Hand-on pipeline managers and direct access to underwriters
• Deal desk and DU support
• Dynamic escalation process for underwriting issues
• Free access to our personal transaction coordinator
for 60-days during transition
Training
• Individual and team training sessions
• In-depth guides and manuals
• Online access to training sessions and updates
Experienced Support Teams
W.J. Bradley provides a platform that offers a foundation for success.
Marketing TrainingIT RecruitingLegal &
Compliance
Accounting
& Finance
Human
Resources
Capital &
Secondary
Markets
Teams Available for Your Support

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We’ll achieve our goals through a combination of visionary leadership,
best-in-class service, top-notch training, a wide variety of products,
cutting-edge technology, dynamic marketing and most of all a
passion to succeed.
Together Achieving Goals

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R. Ross Cowan
Senior Managing Director
720.253.0177 direct | 303.956.8843 cell
rrc@wjbradley.com
Brandon Jack
Sourcing Deal Fulfillment Supervisor
720.961.4313 direct
brandon.jack@wjbradley.com
6465 Greenwood Plaza Blvd., ste. 500, Centennial, CO 80111 | wjbradley.com