Clearpath Lending: 2025 mortgage rates, costs & approvals
How Clearpath Lending priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: CLEARPATH LENDING · LEI 549300G5DVGM0ZHRQC33
In 2025, Clearpath Lending originated 1,698 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 31 states — 303rd by volume among the 2,017 lenders profiled here.
It denied 13.6% of completed home-purchase applications (all lenders: 8.5%).
How Clearpath Lending priced home-purchase loans
| Purchase loans, 2025 | Clearpath Lending | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | — | 6.625% |
| 30-year fixed rate · FHA | — | 6.250% |
| 30-year fixed rate · VA | 6.500% | 6.125% |
| 15-year fixed rate · conventional | — | 5.875% |
| Rate spread vs. APOR · conventional | — | +0.13 pts |
| Total loan costs · conventional | — | $5,570 |
| Total loan costs · FHA | — | $11,310 |
| Total loan costs · VA | $6,040 | $6,490 |
| Origination charges (all types) | $2,000 | $1,860 |
| Borrowers paying discount points | 23.7% | 51.3% |
| Points paid, when paid (% of loan) | — | 0.87% |
| Borrowers receiving lender credits | 100.0% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Where Clearpath Lending lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| Texas | 176 | 193 | — | — | — |
| Florida | 138 | 159 | — | — | — |
| North Carolina | 131 | 149 | — | — | — |
| Georgia | 104 | 115 | — | — | — |
| Virginia | 101 | 119 | — | — | — |
| California | 94 | 106 | — | — | — |
| Arizona | 92 | 96 | — | — | — |
| Ohio | 89 | 105 | — | — | — |
| South Carolina | 62 | 79 | — | — | — |
| Indiana | 59 | 72 | — | — | — |
| Michigan | 59 | 65 | — | — | — |
| Maryland | 58 | 64 | — | — | — |
| Tennessee | 57 | 66 | — | — | — |
| Alabama | 50 | 56 | — | — | — |
| Nevada | 49 | 56 | — | — | — |
| Arkansas | 48 | 55 | — | — | — |
| Pennsylvania | 47 | 51 | — | — | — |
| Colorado | 42 | 46 | — | — | — |
| Kentucky | 37 | 40 | — | — | — |
| Louisiana | 36 | 41 | — | — | — |
| New Mexico | 34 | 40 | — | — | — |
| Wisconsin | 31 | 36 | — | — | — |
| New Jersey | 29 | 33 | — | — | — |
| Nebraska | 27 | 31 | — | — | — |
| Oregon | 15 | 16 | — | — | — |
| Hawaii | 10 | 11 | — | — | — |
| Idaho | 8 | 9 | — | — | — |
| Montana | 5 | 6 | — | — | — |
| Oklahoma | 5 | 5 | — | — | — |
| Washington | 3 | 4 | — | — | — |
| Illinois | 2 | 3 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Clearpath Lending's page for that state.
Counties where Clearpath Lending is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Sierra County, NM | 10 | 2 | 2.5% |
| Thayer County, NE | 15 | 1 | 2.2% |
| Phillips County, AR | 13 | 1 | 2.1% |
| Montgomery County, GA | 17 | 1 | 2.1% |
| Cleveland County, AR | 15 | 1 | 1.8% |
| Rio Grande County, CO | 16 | 2 | 1.8% |
| Cross County, AR | 12 | 3 | 1.6% |
| Washington County, NC | 18 | 1 | 1.6% |
| Dakota County, NE | 19 | 3 | 1.6% |
| Sharp County, AR | 13 | 4 | 1.5% |
| Stephens County, TX | 18 | 1 | 1.5% |
| Martinsville city, VA | 15 | 2 | 1.3% |
| Kleberg County, TX | 24 | 2 | 1.1% |
| Mitchell County, GA | 22 | 1 | 1.0% |
| Cherokee County, SC | 25 | 5 | 0.9% |
Check Clearpath Lending yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 549300G5DVGM0ZHRQC33.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from Clearpath Lending with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology