WJ Bradley's Branch Offering 2

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Secure the future of your

business

Secure the future of your

business

W.J. Bradley Mortgage Capital, llC | WWW.WJBradley.CoM

6465 Greenwood Plaza Blvd., Suite 500 Centennial, CO 80111

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WJB from the Beginning

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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, LLCReached $2.2 billion in loan volume by close of year

Reached $2.4 billion in loan volumeReceived Fannie Mae and Freddie Mac approvals

Open a second operations center near in CentennialReceived Ginnie Mae approvalRank 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, WashingtonRank 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.

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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.

to ta l loa n Vo lu M e

2009 $1.2 billion 2010 $2.2 billion2011 $2.4 billion2012 $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

8Ranking among U.S.

Mortgage Organizations

9Consecutive years of increased

year-over-year growth

10Number of employees hired for

dedication to capital market efforts

352Number of

production-based hires

16 Average turn time for new purchase

loan submissions, in hours

12Number of loan officers

named among the country’s Top 200 Highest-Producing Originators

19,803Number of units funded

by Originators

5.797Origination 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

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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 CowanSenior Managing Director

720.253.0177 direct | 303.956.8843 cell

[email protected]

Brandon JackSourcing Deal Fulfillment Supervisor

720.961.4313 direct

[email protected]

6465 Greenwood Plaza Blvd., ste. 500, Centennial, CO 80111 | wjbradley.com