Lender in California · HMDA 2025
Clearedge Lending LLC mortgages in California
Clearedge Lending LLC's 2025 home-purchase and refinance lending in California, compared with all lenders in the state.
Clearedge Lending LLC originated 477 owner-occupied single-family loans in California from 598 completed applications.
Its median conventional purchase loan costs were $21,130 versus $7,920 for all California lenders, at a median 30-year fixed rate of 6.99% (California: 6.625%).
Loans in CA
477
of 598 applications
Denial rate
13.8%
Purchase · CA 8.9%
Rate spread
+0.56 pts
Conv. · CA +0.09 pts
Loan amount
$955,000
Purchase · CA $575,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 413 | 352 | 13.8% | 6.990% | +0.56 pts | $21,130 | $955,000 |
| Refinance | 84 | 54 | 30.9% | 6.999% | +0.57 pts | $17,230 | $1,205,000 |
| Cash-out refinance | 101 | 71 | 27.7% | 7.250% | +0.78 pts | $17,140 | $965,000 |
*Conventional loans only; medians with at least 20 loans.
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology