ClearEdge Lending
ClearEdge Lending is a privately held wholesale Non-QM mortgage lender founded in 2015, originating non-qualified mortgage loans exclusively through independent mortgage brokers in 40 U.S. states via twelve specialized loan products.
- Company typePrivate
- Founded2015
- HeadquartersAliso Viejo, United States
- Headcount101–250
- GTM typeB2B
- OfferingServices
What ClearEdge Lending does
ClearEdge Lending LLC is a privately held wholesale Non-QM (non-qualified mortgage) lender founded in 2015 and headquartered in Aliso Viejo, California, with a second corporate office in Irvine. The company originates and securitizes non-qualified mortgage loans exclusively through Third Party Originators (TPOs), serving independent mortgage brokers rather than consumers directly. Its product portfolio spans twelve distinct programs targeting self-employed borrowers, real estate investors, near-prime and non-prime borrowers, non-citizen residents (ITIN), and high-balance jumbo borrowers, with maximum loan sizes up to $4M and minimum FICO scores down to 620.
The technology stack centers on a custom in-house lending platform featuring the L.O.N. (Loan Originator Network) broker portal, the Clear Pricer real-time pricing tool, and the Flex Connect product engine that leverages Agency AUS findings (DO/DU) to compress documentation and close purchase loans in under two weeks. Brokers onboard through Comergence (Optimal Blue) in under 10 minutes, access appraisal management through an integrated network of nine AMC partners (AAG, Axis, Consolidate Analytics, Equity Solutions, NAN, Nationwide, Opteon, PropertyRate, Valuation Services), and operate within a state-by-state licensed footprint of 40 U.S. states under NMLS #1924815.
Revenue is generated through transaction-based loan origination fees and secondary-market gain-on-sale economics on broker-submitted Non-QM originations. Pricing is not publicly disclosed and is delivered via the broker portal or via exception requests through a dedicated pricing inbox. ClearEdge does not disclose financial figures externally; the company previously operated as CEL Lending LLC and rebranded to its current name.
ClearEdge Lending firmographics
Firmographics- Name
- ClearEdge Lending
- Legal name
- ClearEdge Lending LLC
- Website
- https://clearedgelending.com
- Company type
- Private
- Founded year
- 2015
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- ClearEdge Lending is a privately held wholesale Non-QM mortgage lender founded in 2015, originating non-qualified mortgage loans exclusively through independent mortgage brokers in 40 U.S. states via twelve specialized loan products.
- Ownership category
- akta.pro rank
ClearEdge Lending industry classification
Industry- Product category
- Non-QM Mortgage Lending
- NAICS
- Real Estate Credit (522292), Nondepository Credit Intermediation (5222)
- SIC
- Mortgage Bankers & Loan Correspondents (6162), Asset-Backed Securities (6189)
- akta.pro primary industry
- Non-QM & Specialty Wholesale Lending (Bank Statement/DSCR/Alt-Doc) (FSALACAD)
- akta.pro secondary industries
- Wholesale Mortgage Lending (Broker Channel) (FSALACAA), Jumbo & Portfolio Wholesale Lending (FSALACAF)
Keywords
Where ClearEdge Lending is headquartered
LocationHeadquarters
- HQ city
- Aliso Viejo
- HQ country
- United States
- HQ region
- North America
Offices3 records
Markets served
ClearEdge Lending business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Loan Origination Fees: ClearEdge Lending generates revenue through origination fees and margins on Non-QM mortgage loans originated through its broker network. As a wholesale lender, it earns income from the spread between broker-originated loans and secondary market sales.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Broker Portal Rate Access |
Go-to-market motion1 record
Distribution channels1 record
Marketing channels4 records
ClearEdge Lending product offering
Product offeringCore offering
ClearEdge Lending is a wholesale Non-QM (non-qualified mortgage) lender that originates and securitizes mortgage loans exclusively through Third Party Originators (TPOs)/mortgage brokers. The company provides a portfolio of Non-QM loan programs for self-employed borrowers, real estate investors, ITIN borrowers, and near-prime/non-prime borrowers, accepting alternative income documentation such as bank statements, P&L, DSCR, 1099, and asset utilization. Brokers access products, pricing, and pipeline management through a proprietary Broker Portal.
Differentiator
Problem solved
Functional benefit
Products and services
- Agency Connect
Quantifiable outcome
- Close purchase loans in under 2 weeks
- +3 more outcomes
Companies that use ClearEdge Lending
Customer profileNamed customers5 records
Segments5 records
Ideal customer profiles1 record
ClearEdge Lending technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
ClearEdge Lending partnerships and signals
Strategic signalPartnerships
Ten partnerships are on record, tiered core.
- AAGcoreAMC partner for appraisal management services. ClearEdge brokers can place orders, manage orders, and communicate with AAG directly from within the loan file in the broker portal. ROV (Reconsideration of Value) forms available.
- AxiscoreAMC partner for appraisal management services. Part of ClearEdge's network of appraisal partners accessible through the broker portal.
- Consolidate AnalyticscoreAMC partner for appraisal management services. Provides reconsideration of value form templates for broker use.
- Equity SolutionscoreAMC partner for appraisal management services. ROV form available for broker submissions.
- NAN (National Appraisal Network)coreAMC partner for appraisal management services. Fillable ROV form available for broker use.
- NationwidecoreAMC partner for appraisal management services. ROV form and contact information available for brokers.
- OpteoncoreAMC partner for appraisal management services. ROV form available for broker submissions.
- PropertyRatecoreAMC partner for appraisal management services. ROV form available for broker use.
- Valuation ServicescoreAMC partner for appraisal management services. ROV form available for broker submissions.
- Comergence (Optimal Blue)coreBroker registration and approval platform partner. ClearEdge uses Comergence (operated by Optimal Blue) for the streamlined broker approval process which takes less than 10 minutes. Existing Comergence users can log in directly; new brokers can register through the platform.
Scale indicators3 records
Recent moves6 records
Expansion highlights5 records
ClearEdge Lending competitors and assessment
Company assessmentBroad incumbents
- Nations Lending: Nations Lending offers a wholesale channel with Non-QM products (bank statement, DSCR) — comparable at the niche-product level though broader across agency and government lending.
- Carrington Mortgage Services: Carrington offers a Non-QM product suite (bank statement, DSCR, investor) through wholesale/broker channels as part of a broader mortgage servicing and origination franchise — comparable where segments overlap though broader in scope.
- NewRez: NewRez (New Penn) operates a wholesale and retail channel with a Non-QM unit (including bank statement and DSCR) — comparable in products but part of a much larger full-spectrum mortgage platform.
- Caliber Home Loans: Caliber has a sizable Non-QM wholesale offering (bank statement, investor) through its broker channel alongside agency and jumbo products — broader portfolio but competes directly in the same wholesale Non-QM niche.
- United Wholesale Mortgage: UWM is the largest wholesale mortgage lender in the U.S. and has aggressively pushed into Non-QM-adjacent products via its broker platform — a dominant broker-channel competitor with materially greater scale and balance sheet.
- Rocket Pro TPO: Rocket Pro TPO is the wholesale broker division of Rocket Mortgage, offering a broad product set including non-QM — competes for the same TPO flow as ClearEdge but with substantially larger balance sheet and brand.
Direct peers
- Angel Oak Mortgage Solutions: Angel Oak Mortgage Solutions is one of the largest Non-QM wholesale lenders in the U.S., offering bank statement, DSCR, and alternative-documentation products through TPOs — directly comparable to ClearEdge's product set and broker-channel distribution model.
- Verus Mortgage Capital: Verus Mortgage Capital is a non-QM wholesale lender and securitizer that originates bank statement, DSCR, and investor loans exclusively through mortgage brokers, mirroring ClearEdge's model and end-investor positioning.
- Deephaven Mortgage: Deephaven Mortgage is a non-bank wholesale lender specializing in Non-QM products (bank statement, DSCR, ITIN) sold to TPOs — directly comparable in target borrower, channel, and product design.
- A&D Mortgage: A&D Mortgage is a wholesale non-QM lender distributing bank statement, DSCR, and investor products to mortgage brokers, with a similar channel-exclusive, product-broad approach to ClearEdge.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
ClearEdge Lending social profiles
Digital presenceClearEdge Lending financial estimates
Financial estimateRevenue estimate
Valuation estimate
ClearEdge Lending leadership team
Management profileNumber of profiles
Profiles1 record
ClearEdge Lending funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
ClearEdge Lending M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about ClearEdge Lending
What does ClearEdge Lending do?
ClearEdge Lending is a wholesale Non-QM (non-qualified mortgage) lender that originates and securitizes mortgage loans exclusively through Third Party Originators (TPOs)/mortgage brokers. The company provides a portfolio of Non-QM loan programs for self-employed borrowers, real estate investors, ITIN borrowers, and near-prime/non-prime borrowers, accepting alternative income documentation such as bank statements, P&L, DSCR, 1099, and asset utilization. Brokers access products, pricing, and pipeline management through a proprietary Broker Portal.
Is ClearEdge Lending a public or private company?
ClearEdge Lending is a private company. It is classified as unknown and is currently operating.
When was ClearEdge Lending founded?
ClearEdge Lending was founded in 2015. It employs 101 to 250 people.
Where is ClearEdge Lending based?
ClearEdge Lending is headquartered in Aliso Viejo, United States, in the North America region.
How does ClearEdge Lending make money?
One revenue line is on record: loan Origination Fees.
Who are ClearEdge Lending's main competitors?
Broad incumbents on record are Nations Lending, Carrington Mortgage Services, NewRez, Caliber Home Loans, United Wholesale Mortgage and Rocket Pro TPO. Direct peers are Angel Oak Mortgage Solutions, Verus Mortgage Capital, Deephaven Mortgage and A&D Mortgage.
Does ClearEdge Lending have an API?
No public API is recorded for ClearEdge Lending.
What industry is ClearEdge Lending in?
ClearEdge Lending's product category is Non-QM Mortgage Lending. Its primary akta.pro industry code is FSALACAD, Non-QM & Specialty Wholesale Lending (Bank Statement/DSCR/Alt-Doc), with a secondary code of FSALACAA, Wholesale Mortgage Lending (Broker Channel). Its NAICS code is 522292 and its SIC code is 6162.