Aliso Viejo, CA · Non-bank or government lender · CFPB · 2,742 loans in 2025
2,742
loans originated, 2025
4,575
applications, 2025
42
states and territories
1
gaps bigger than at similar lenders
How to read this section
For Black, Hispanic and Asian applicants, we look at how much more often ClearEdge Lending turns them down than White
applicants: the gap. Then we compare that gap with the gap at similar lenders, for similar applications: the same
income, loan size, debt-to-income range, loan-to-value, loan type, kind of property and place.
"Bigger gap" means we are at least 99% sure the gap is bigger than at similar lenders. That is a reason to look
closer, not proof of discrimination. The public data has no credit scores and none of the documents a lender
reviews, and the kind of loans a lender makes can widen a gap for good reasons. Each result below gives the numbers
and the explanations they allow.
FIG. 1 — GAPS AGAINST SIMILAR LENDERS
ClearEdge Lending's gap is bigger than at similar lenders for Hispanic purchase applicants.
Each dot compares ClearEdge Lending's gap with the gap at similar lenders: at 1x they are the same, at 2x its gap is twice as large. A gap is how much more likely the group is to be turned down than White applicants. The line around each dot shows the range the true value probably lies in (95%). Amber: groups where we are at least 99% sure the gap is bigger.
SOURCE: FFIEC HMDA 2025; JENNER ANALYTICS NATIONAL DENIAL MODEL
Hispanic purchase
ClearEdge Lending's gap for Hispanic purchase applicants is bigger than at similar lenders.
How sure we are that the gap is bigger than at similar lenders: 99.6%.
Of the purchase applications it decided in 2025, it turned down 35% of 236 from Hispanic applicants and 14% of 496 from White applicants. The most common reason: too much debt for the income, given for 28% of the Hispanic applicants turned down and 34% of the White applicants turned down.
ClearEdge Lending is a small lender: this result rests on 236 Hispanic and 496 White purchase applications. Its reasons are spread across too much debt for the income, the value of the home and other reasons, with no single one explaining the gap.
The public data has no credit scores, savings or full credit histories, so our comparison cannot allow for them. A difference in them between the groups applying would produce a gap like this one.
FIG. 2 — REASONS FOR TURNING APPLICANTS DOWN, 2025
Why applications were turned down, beside White applicants at the same lender.
Each bar is 100% of the applications the lender decided for that group; the coloured part was turned down, split by the main reason the lender gave, and the rest were approved. Applications the applicant withdrew are not counted.
SOURCE: FFIEC HMDA 2025, FIRST REASON GIVEN
Applicants
Turned down: group
Turned down: White
How sure the gap is bigger
Result
Hispanic purchase
35%
14%
99.6%
Bigger gap than at similar lenders
Hispanic refinance
42%
25%
96.2%
Not clearly bigger
"How sure the gap is bigger": how sure we are that the lender's gap is bigger than at similar lenders. We call it bigger at 99% or more.
Not tested, too few applications: Black purchase, Black refinance, Asian purchase, Asian refinance. A test needs, for that loan purpose, at least 100 decided applications from the group and from White applicants, with at least 20 of each turned down and 20 approved.