Clearedge Lending LLC Mortgage Lending & HMDA Data, 2024
In 2024, Clearedge Lending LLC of Aliso Viejo, CA reported 3,565 mortgage applications totaling $2.2 billion, up 33% from 2023. The average application was for $606,711, and applicants reported an average income of $533,765. 60% of its applications resulted in an originated loan and 23% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (350), Miami-Miami Beach-Kendall, FL (195) and Fort Lauderdale-Pompano Beach-Deerfield Beach, FL (153) (applications in parentheses).
| Mortgage Company & Address | Clearedge Lending LLC 20 Enterprise Suite 350 Aliso Viejo, CA 92656 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 |
| Total Number of Mortgage Applications | 3,565 |
| Total Mortgage Loan Application Amount | $2,162,925,000 |
| Average Mortgage Loan Application Amount | $606,711 |
| Highest Mortgage Loan Application Amount | $4,005,000 |
| Average Applicant Income | $533,765 |
| Highest Applicant Income | $9,451,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Clearedge Lending LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
Mortgage Loan Application Detail Totals for Clearedge Lending LLC in 2024
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 2,333 | $1,401,975,000 | $600,000 | $4,005,000 | $489,000 | $9,451,000 |
| Cash-out Refinancing | 747 | $448,005,000 | $599,000 | $3,505,000 | $608,000 | $7,520,000 |
| Refinancing | 332 | $227,680,000 | $685,000 | $3,505,000 | $660,000 | $7,579,000 |
| Other Purpose | 153 | $85,265,000 | $557,000 | $2,505,000 | $580,000 | $5,272,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 1,374 | $998,260,000 | $726,000 | $4,005,000 | $560,000 | $9,451,000 |
| Hispanic | 685 | $321,945,000 | $469,000 | $3,005,000 | $450,000 | $5,949,000 |
| Not Provided | 490 | $351,130,000 | $716,000 | $3,505,000 | $611,000 | $6,000,000 |
| Not applicable | 410 | $157,310,000 | $383,000 | $2,505,000 | $0 | $0 |
| Asian | 329 | $208,125,000 | $632,000 | $3,215,000 | $542,000 | $6,214,000 |
| Black or African American | 253 | $111,035,000 | $438,000 | $2,615,000 | $351,000 | $5,774,000 |
| American Indian or Alaskan Native | 15 | $9,515,000 | $634,000 | $1,455,000 | $331,000 | $822,000 |
| Native Hawaiian or Other Pacific Islander | 8 | $5,160,000 | $645,000 | $905,000 | $622,000 | $1,127,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 3,565 | $2,162,925,000 | $606,000 | $4,005,000 | $528,000 | $9,451,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 2,135 | $1,338,115,000 | $626,000 | $3,995,000 | $554,000 | $9,451,000 |
| Application Denied By Financial Institution | 814 | $464,190,000 | $570,000 | $3,505,000 | $521,000 | $6,214,000 |
| Application Withdrawn By Applicant | 579 | $342,525,000 | $591,000 | $4,005,000 | $452,000 | $6,840,000 |
| Application Approved But Not Accepted | 37 | $18,095,000 | $489,000 | $2,765,000 | $290,000 | $1,081,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 2,751 | $1,698,735,000 | $617,000 | $4,005,000 | $530,000 | $9,451,000 |
| Collateral | 396 | $196,930,000 | $497,000 | $3,505,000 | $616,000 | $5,000,000 |
| Credit Application Incomplete | 128 | $89,800,000 | $701,000 | $3,505,000 | $634,000 | $4,856,000 |
| Credit History | 82 | $51,080,000 | $622,000 | $2,685,000 | $733,000 | $6,214,000 |
| Debt-To-Income Ratio | 82 | $48,800,000 | $595,000 | $3,005,000 | $141,000 | $534,000 |
| Unverifiable Information | 64 | $45,490,000 | $710,000 | $3,005,000 | $510,000 | $4,746,000 |
| Other | 44 | $22,210,000 | $504,000 | $3,215,000 | $514,000 | $1,895,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 14 | $6,210,000 | $443,000 | $1,455,000 | $258,000 | $518,000 |
| Employment History | 3 | $3,445,000 | $1,148,000 | $2,385,000 | $314,000 | $611,000 |
| Mortgage Insurance Denied | 1 | $225,000 | $225,000 | $225,000 | $195,000 | $195,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Clearedge Lending LLC's 2024 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Clearedge Lending LLC's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in California, download the full spreadsheet
with aggregated HMDA statistics today.
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