Clearpath Lending Mortgage Rates, Fees & Info
Sacramento, CALEI: 549300G5DVGM0ZHRQC33
Tax ID: 45-5510883
5 stars - Updated: 4/5/25
-
out of 5 stars, based on 39 reviews
Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
Clearpath Lending is a smaller mortgage company specializing in Refi and Cash Out Refi loans. Clearpath Lending has a low ratio of conventional loans. Their top markets by origination volume include: Washington, Phoenix, Atlanta, Las Vegas, and Virginia Beach among others. We have data for 301 markets. (Some data included below & more in-depth data is available with an active subscription.)Clearpath Lending has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Clearpath Lending is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.
Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.
SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 7.16% | 4/5/25 |
| 30 Year Conventional Refi | 7.02% | 4/5/25 |
| 30 Year Cash-out Refi | 7.02% | 4/5/25 |
| 30 Year VA Purchase | 6.49% | 4/5/25 |
| 30 Year VA Refi | 5.82% | 4/5/25 |
| 15 Year Conventional Purchase | 6.00% | 4/5/25 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Clearpath Lending Mortgage Calculator
Your Estimates
Estimated Loan Payment: Update the calculator values and click calculate payment!
This is not an official calculator from Clearpath Lending. It uses our SimulatedRate™
technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.
The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
1,540Origination Dollar Volume (All Markets)
$507,690,000Awards
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CLEARPATH LENDING - 2024
CLEARPATH LENDING is a 2024 , due to their low .
For 2024, less than of lenders were eligible for this award.
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Relative Rate
Clearpath Lending's average 30 year fixed mortgage rate was
5.74%.
The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.
This yields a difference of -0.81%.
Relative Fees (Closing Costs)
Clearpath Lending's average total fees/closing costs for a 30 year fixed rate
mortgage were $8,342.
The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including
both points & up-front fees in addition to origination fees) were $8,356.
Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 47 | $23,995,000 | $510,532 | $12,505 | 5.81% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 49 | $19,885,000 | $405,816 | $9,190 | 5.80% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 57 | $19,775,000 | $346,930 | $9,848 | 5.78% |
| Outside of Metro Areas | 59 | $16,395,000 | $277,881 | $6,327 | 5.75% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 42 | $15,750,000 | $375,000 | $11,630 | 5.75% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 39 | $13,375,000 | $342,949 | $9,669 | 5.69% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 28 | $12,740,000 | $455,000 | $10,653 | 5.73% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 27 | $10,945,000 | $405,370 | $11,217 | 5.77% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 20 | $7,920,000 | $396,000 | $5,849 | 5.62% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 20 | $7,450,000 | $372,500 | $12,962 | 5.85% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 27 | $7,205,000 | $266,852 | $6,593 | 5.63% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 21 | $7,155,000 | $340,714 | $10,689 | 5.68% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 17 | $6,745,000 | $396,765 | $8,909 | 5.77% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 13 | $6,735,000 | $518,077 | $9,837 | 5.77% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 21 | $6,725,000 | $320,238 | $9,471 | 5.87% |
| COLUMBIA, SC (FHA|USDA|VA) | 24 | $6,660,000 | $277,500 | $6,978 | 5.75% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 19 | $6,395,000 | $336,579 | $8,652 | 5.59% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 19 | $6,385,000 | $336,053 | $9,105 | 5.95% |
| RICHMOND, VA (FHA|USDA|VA) | 16 | $6,270,000 | $391,875 | $6,848 | 5.73% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 21 | $6,205,000 | $295,476 | $6,426 | 5.69% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 21 | $6,085,000 | $289,762 | $9,192 | 5.79% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 17 | $6,025,000 | $354,412 | $7,569 | 5.48% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 20 | $5,940,000 | $297,000 | $9,803 | 5.69% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 19 | $5,795,000 | $305,000 | $7,183 | 6.01% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 18 | $5,540,000 | $307,778 | $11,091 | 5.84% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 18 | $5,290,000 | $293,889 | $6,225 | 5.81% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 13 | $5,055,000 | $388,846 | $7,953 | 5.67% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 10 | $4,800,000 | $480,000 | $23,560 | 5.93% |
| TUCSON, AZ (FHA|USDA|VA) | 15 | $4,595,000 | $306,333 | $8,900 | 5.68% |
| STOCKTON, CA (FHA|USDA|VA) | 8 | $4,260,000 | $532,500 | $11,672 | 6.05% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 12 | $4,180,000 | $348,333 | $11,996 | 5.76% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 10 | $4,100,000 | $410,000 | $7,451 | 5.60% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 13 | $3,825,000 | $294,231 | $7,148 | 6.12% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 15 | $3,785,000 | $252,333 | $7,497 | 5.82% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 14 | $3,750,000 | $267,857 | $7,586 | 5.87% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 7 | $3,655,000 | $522,143 | $18,628 | 5.53% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 9 | $3,585,000 | $398,333 | $7,415 | 5.53% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 12 | $3,580,000 | $298,333 | $6,148 | 5.79% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 6 | $3,470,000 | $578,333 | $20,570 | 5.29% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 9 | $3,365,000 | $373,889 | $7,210 | 5.60% |
| SAVANNAH, GA (FHA|USDA|VA) | 9 | $3,335,000 | $370,556 | $16,530 | 5.68% |
| COLUMBUS, OH (FHA|USDA|VA) | 11 | $3,285,000 | $298,636 | $4,792 | 5.72% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 10 | $3,050,000 | $305,000 | $9,351 | 5.73% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 7 | $2,995,000 | $427,857 | $7,800 | 6.16% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 9 | $2,975,000 | $330,556 | $6,902 | 6.10% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 8 | $2,910,000 | $363,750 | $7,881 | 6.11% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 12 | $2,890,000 | $240,833 | $6,068 | 5.67% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 7 | $2,805,000 | $400,714 | $6,936 | 6.03% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 12 | $2,760,000 | $230,000 | $4,892 | 5.90% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 9 | $2,635,000 | $292,778 | $6,274 | 5.67% |
| SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) | 8 | $2,620,000 | $327,500 | $8,066 | 5.89% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 9 | $2,515,000 | $279,444 | $5,695 | 5.74% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 7 | $2,395,000 | $342,143 | $10,352 | 5.85% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 9 | $2,375,000 | $263,889 | $4,867 | 5.87% |
| LOUISVILLE, KY (FHA|USDA|VA) | 10 | $2,370,000 | $237,000 | $6,676 | 5.66% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 5 | $2,365,000 | $473,000 | $8,729 | 5.70% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 7 | $2,315,000 | $330,714 | $6,887 | 5.50% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 8 | $2,280,000 | $285,000 | $7,955 | 5.53% |
| SUMTER, SC (FHA|USDA|VA) | 6 | $2,270,000 | $378,333 | $6,463 | 5.75% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 8 | $2,250,000 | $281,250 | $6,081 | 5.58% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 7 | $2,185,000 | $312,143 | $6,248 | 5.87% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 3 | $2,135,000 | $711,667 | $25,976 | 5.58% |
| FORT WAYNE, IN (FHA|USDA|VA) | 7 | $2,015,000 | $287,857 | $9,279 | 5.93% |
| BOISE CITY, ID (FHA|USDA|VA) | 6 | $1,960,000 | $326,667 | $12,113 | 6.00% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 4 | $1,920,000 | $480,000 | $16,142 | 5.84% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 4 | $1,870,000 | $467,500 | $7,185 | 5.59% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 5 | $1,855,000 | $371,000 | $10,697 | 5.85% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 6 | $1,830,000 | $305,000 | $11,216 | 5.62% |
| EL PASO, TX (FHA|USDA|VA) | 6 | $1,730,000 | $288,333 | $6,665 | 5.69% |
| PUEBLO, CO (FHA|USDA|VA) | 6 | $1,720,000 | $286,667 | $6,150 | 5.94% |
| LAFAYETTE, LA (FHA|USDA|VA) | 6 | $1,690,000 | $281,667 | $6,164 | 5.62% |
| Cañon City, CO (FHA|USDA|VA) | 5 | $1,675,000 | $335,000 | $8,320 | 6.03% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 6 | $1,650,000 | $275,000 | $3,394 | 5.44% |
| Pahrump, NV (FHA|USDA|VA) | 5 | $1,635,000 | $327,000 | $9,581 | 5.42% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 6 | $1,610,000 | $268,333 | $5,140 | 5.40% |
| GREELEY, CO (FHA|USDA|VA) | 5 | $1,595,000 | $319,000 | $18,378 | 5.58% |
| FRESNO, CA (FHA|USDA|VA) | 4 | $1,580,000 | $395,000 | $12,667 | 5.34% |
| OCALA, FL (FHA|USDA|VA) | 6 | $1,540,000 | $256,667 | $11,571 | 5.94% |
| HINESVILLE, GA (FHA|USDA|VA) | 7 | $1,485,000 | $212,143 | $4,701 | 5.93% |
| MONTGOMERY, AL (FHA|USDA|VA) | 5 | $1,455,000 | $291,000 | $5,745 | 5.80% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 2 | $1,430,000 | $715,000 | $6,437 | 5.75% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 6 | $1,410,000 | $235,000 | $5,290 | 5.69% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 6 | $1,400,000 | $233,333 | $3,870 | 5.81% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 4 | $1,380,000 | $345,000 | $6,543 | 5.87% |
| HOT SPRINGS, AR (FHA|USDA|VA) | 5 | $1,365,000 | $273,000 | $6,775 | 5.62% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 4 | $1,350,000 | $337,500 | $9,309 | 5.81% |
| RENO, NV (FHA|USDA|VA) | 4 | $1,350,000 | $337,500 | $8,161 | 5.75% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 5 | $1,305,000 | $261,000 | $5,227 | 5.72% |
| POCATELLO, ID (FHA|USDA|VA) | 4 | $1,280,000 | $320,000 | $16,536 | 5.75% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 4 | $1,260,000 | $315,000 | $6,729 | 5.72% |
| MERCED, CA (FHA|USDA|VA) | 2 | $1,260,000 | $630,000 | $34,028 | 5.93% |
| MOBILE, AL (FHA|USDA|VA) | 6 | $1,190,000 | $198,333 | $3,454 | 5.73% |
| Shelby, NC (FHA|USDA|VA) | 4 | $1,180,000 | $295,000 | $10,892 | 5.44% |
| Ontario, OR-ID (FHA|USDA|VA) | 2 | $1,170,000 | $585,000 | $15,829 | 5.49% |
| SPARTANBURG, SC (FHA|USDA|VA) | 4 | $1,160,000 | $290,000 | $7,613 | 5.41% |
| KNOXVILLE, TN (FHA|USDA|VA) | 4 | $1,160,000 | $290,000 | $5,944 | 5.97% |
| BATON ROUGE, LA (FHA|USDA|VA) | 5 | $1,155,000 | $231,000 | $5,676 | 6.20% |
| GREAT FALLS, MT (FHA|USDA|VA) | 4 | $1,140,000 | $285,000 | $6,649 | 5.91% |
| LINCOLN, NE (FHA|USDA|VA) | 4 | $1,140,000 | $285,000 | $6,833 | 5.72% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 5 | $1,135,000 | $227,000 | $7,184 | 5.62% |
| AKRON, OH (FHA|USDA|VA) | 5 | $1,135,000 | $227,000 | $5,131 | 5.23% |
| CHICO, CA (FHA|USDA|VA) | 3 | $1,125,000 | $375,000 | $6,929 | 5.67% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 4 | $1,110,000 | $277,500 | $8,747 | 5.59% |
| LYNCHBURG, VA (FHA|USDA|VA) | 5 | $1,085,000 | $217,000 | $7,784 | 5.55% |
| DOTHAN, AL (FHA|USDA|VA) | 4 | $1,070,000 | $267,500 | $6,552 | 5.94% |
| MUSKEGON, MI (FHA|USDA|VA) | 4 | $1,060,000 | $265,000 | $8,058 | 5.75% |
| MADISON, WI (FHA|USDA|VA) | 3 | $1,045,000 | $348,333 | $7,113 | 6.04% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 4 | $1,010,000 | $252,500 | $4,067 | 5.97% |
| BILLINGS, MT (FHA|USDA|VA) | 3 | $1,005,000 | $335,000 | $5,754 | 6.04% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 6 | $980,000 | $163,333 | $3,517 | 5.73% |
| YUMA, AZ (FHA|USDA|VA) | 3 | $975,000 | $325,000 | $12,448 | 5.50% |
| Fort Madison-Keokuk, IA-IL-MO (FHA|USDA|VA) | 2 | $960,000 | $480,000 | $3,704 | 6.00% |
| CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) | 2 | $910,000 | $455,000 | $12,386 | 6.44% |
| ROCKY MOUNT, NC (FHA|USDA|VA) | 3 | $905,000 | $301,667 | $4,701 | 5.96% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 4 | $900,000 | $225,000 | $10,395 | 5.66% |
| LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) | 3 | $865,000 | $288,333 | $3,903 | 5.58% |
| LAS CRUCES, NM (FHA|USDA|VA) | 2 | $850,000 | $425,000 | $7,891 | 5.87% |
| FLINT, MI (FHA|USDA|VA) | 3 | $835,000 | $278,333 | $7,274 | 6.63% |
| Outside of Metro Areas | 2 | $820,000 | $410,000 | $16,172 | 5.38% |
| WILMINGTON, NC (FHA|USDA|VA) | 3 | $805,000 | $268,333 | $6,029 | 5.33% |
| CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) | 2 | $800,000 | $400,000 | $5,668 | 5.50% |
| Helena, MT (FHA|USDA|VA) | 2 | $800,000 | $400,000 | $3,762 | 5.12% |
| SAGINAW, MI (FHA|USDA|VA) | 3 | $775,000 | $258,333 | $6,547 | 5.83% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 4 | $770,000 | $192,500 | $4,721 | 5.47% |
| SAN ANGELO, TX (FHA|USDA|VA) | 2 | $760,000 | $380,000 | $5,574 | 5.25% |
| NEW BERN, NC (FHA|USDA|VA) | 3 | $755,000 | $251,667 | $10,246 | 5.42% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 3 | $735,000 | $245,000 | $7,906 | 5.46% |
| Breckenridge, CO (FHA|USDA|VA) | 1 | $735,000 | $735,000 | $20,047 | 5.75% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 1 | $735,000 | $735,000 | $11,942 | 4.99% |
| CARSON CITY, NV (FHA|USDA|VA) | 1 | $735,000 | $735,000 | $12,281 | 5.25% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 2 | $730,000 | $365,000 | $8,150 | 6.12% |
| FORT SMITH, AR-OK (FHA|USDA|VA) | 3 | $725,000 | $241,667 | $5,173 | 6.50% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 3 | $725,000 | $241,667 | $4,873 | 5.83% |
| ASHEVILLE, NC (FHA|USDA|VA) | 2 | $720,000 | $360,000 | $7,779 | 5.88% |
| Wilmington, OH (FHA|USDA|VA) | 2 | $720,000 | $360,000 | $7,801 | 5.69% |
| WILLIAMSPORT, PA (FHA|USDA|VA) | 4 | $720,000 | $180,000 | $3,354 | 5.43% |
| LAKE CHARLES, LA (FHA|USDA|VA) | 2 | $710,000 | $355,000 | $6,290 | 5.74% |
| EL CENTRO, CA (FHA|USDA|VA) | 2 | $710,000 | $355,000 | $5,760 | 5.50% |
| MANSFIELD, OH (FHA|USDA|VA) | 3 | $705,000 | $235,000 | $6,927 | 5.42% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 3 | $705,000 | $235,000 | $6,249 | 5.79% |
| REDDING, CA (FHA|USDA|VA) | 2 | $700,000 | $350,000 | $11,415 | 5.87% |
| VINELAND-BRIDGETON, NJ (FHA|USDA|VA) | 3 | $695,000 | $231,667 | $9,163 | 5.67% |
| PITTSBURGH, PA (FHA|USDA|VA) | 3 | $685,000 | $228,333 | $4,564 | 5.83% |
| SPRINGFIELD, OH (FHA|USDA|VA) | 2 | $680,000 | $340,000 | $5,605 | 5.25% |
| ELKHART-GOSHEN, IN (FHA|USDA|VA) | 3 | $675,000 | $225,000 | $5,024 | 5.63% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 2 | $670,000 | $335,000 | $6,385 | 5.94% |
| Bardstown, KY (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $7,949 | 5.75% |
| ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) | 3 | $655,000 | $218,333 | $3,000 | 5.54% |
| ANN ARBOR, MI (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $7,720 | 5.81% |
| YUBA CITY, CA (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $11,356 | 5.50% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $11,494 | 5.94% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 1 | $595,000 | $595,000 | $6,903 | 5.75% |
| MEDFORD, OR (FHA|USDA|VA) | 1 | $595,000 | $595,000 | $3,900 | 5.88% |
| LEBANON, PA (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $4,450 | 5.50% |
| LEWISTON, ID-WA (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $11,537 | 5.44% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $9,597 | 5.38% |
| READING, PA (FHA|USDA|VA) | 1 | $575,000 | $575,000 | $15,256 | 5.75% |
| TOLEDO, OH (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $6,645 | 6.37% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 1 | $565,000 | $565,000 | $26,672 | 5.75% |
| HANFORD-CORCORAN, CA (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $9,335 | 5.88% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 1 | $555,000 | $555,000 | $11,812 | 5.75% |
| Holland, MI (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $9,670 | 5.25% |
| COLUMBUS, IN (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $8,470 | 6.31% |
| ROANOKE, VA (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $8,666 | 6.25% |
| KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $11,513 | 5.56% |
| Safford, AZ (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $15,089 | 6.00% |
| Huntingdon, PA (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $13,506 | 6.94% |
| Tullahoma-Manchester, TN (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $17,859 | 5.50% |
| BURLINGTON, NC (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $3,165 | 5.25% |
| CLEVELAND, TN (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $1,849 | 5.49% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $5,151 | 5.81% |
| Centralia, WA (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $14,048 | 5.50% |
| Durango, CO (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $2,875 | 6.75% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $3,228 | 5.44% |
| WICHITA FALLS, TX (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $4,851 | 5.62% |
| ALBANY, GA (FHA|USDA|VA) | 3 | $495,000 | $165,000 | $1,589 | 5.92% |
| Moscow, ID (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $4,856 | 6.38% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $6,599 | 6.19% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 3 | $465,000 | $155,000 | $3,065 | 5.75% |
| Statesboro, GA (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $6,234 | 7.00% |
| SEBRING-AVON PARK, FL (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $4,768 | 6.00% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $11,547 | 5.25% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $3,122 | 5.68% |
| NILES, MI (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $15,769 | 6.25% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $5,830 | 5.25% |
| VALLEJO, CA (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $7,553 | 5.13% |
| Montrose, CO (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $12,163 | 5.00% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $12,071 | 5.69% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $21,694 | 5.25% |
| LUBBOCK, TX (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $9,577 | 5.75% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $1,780 | 5.94% |
| HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $4,865 | 5.75% |
| LIMA, OH (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $3,229 | 5.25% |
| ALEXANDRIA, LA (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $3,569 | 5.56% |
| MONROE, MI (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $3,234 | 5.50% |
| WAUSAU-WESTON, WI (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $8,583 | 5.50% |
| Cornelia, GA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $16,965 | 5.75% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $19,204 | 5.75% |
| Ardmore, OK (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $16,331 | 6.63% |
| Hilo, HI (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $31,735 | 5.50% |
| Cullman, AL (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $6,362 | 5.50% |
| Elko, NV (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $6,018 | 5.50% |
| Waycross, GA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $28,853 | 5.75% |
| VICTORIA, TX (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $7,654 | 6.13% |
| OSHKOSH-NEENAH, WI (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $27,098 | 5.75% |
| EVANSVILLE, IN-KY (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $2,529 | 6.00% |
| HARRISONBURG, VA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $1,836 | 5.25% |
| MONROE, LA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $10,047 | 5.13% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $6,025 | 5.75% |
| Burley, ID (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $2,202 | 5.25% |
| Nogales, AZ (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $5,712 | 4.99% |
| LONGVIEW, TX (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $4,130 | 4.88% |
| Mount Vernon, OH (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $3,655 | 6.25% |
| Cambridge, MD (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $3,705 | 5.63% |
| Kerrville, TX (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $8,291 | 5.25% |
| Norwalk, OH (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $16,228 | 5.75% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $4,741 | 5.75% |
| THE VILLAGES, FL (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $12,747 | 6.88% |
| VALDOSTA, GA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $6,746 | 5.50% |
| Athens, TN (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $10,624 | 5.88% |
| MUNCIE, IN (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $5,927 | 6.75% |
| PANAMA CITY, FL (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $12,331 | 6.63% |
| MORRISTOWN, TN (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $3,746 | 5.50% |
| MODESTO, CA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $2,252 | 5.50% |
| Whitewater, WI (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $4,383 | 5.75% |
| SALEM, OR (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $24,221 | 5.75% |
| Aberdeen, WA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $2,783 | 5.63% |
| Granbury, TX (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $4,231 | 5.75% |
| JACKSON, TN (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $7,145 | 7.00% |
| VISALIA, CA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $14,564 | 5.75% |
| TEXARKANA, TX-AR (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $3,863 | 6.63% |
| Paragould, AR (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $2,896 | 5.50% |
| Somerset, KY (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $4,612 | 5.99% |
| Show Low, AZ (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,085 | 5.49% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $2,764 | 5.75% |
| AMARILLO, TX (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,290 | 4.99% |
| Opelousas, LA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,121 | 5.75% |
| Calhoun, GA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,525 | 5.25% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $7,663 | 4.99% |
| Jasper, AL (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $10,723 | 7.00% |
| Angola, IN (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $7,725 | 5.50% |
| Murray, KY (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $6,225 | 5.75% |
| JONESBORO, AR (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $4,477 | 5.38% |
| Watertown-Fort Atkinson, WI (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $19,635 | 5.75% |
| ROME, GA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $6,880 | 5.75% |
| Martinsville, VA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,562 | 6.75% |
| Salem, OH (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $10,360 | 6.25% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $7,807 | 5.88% |
| Crossville, TN (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $5,319 | 5.75% |
| Crawfordsville, IN (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $1,643 | 5.63% |
| Platteville, WI (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $8,328 | 5.25% |
| Newport, OR (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,814 | 5.13% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $18,341 | 5.25% |
| Maysville, KY (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $2,936 | 6.25% |
| Eureka-Arcata, CA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $1,610 | 5.88% |
| Paris, TN (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,438 | 5.13% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $11,079 | 5.88% |
| Fallon, NV (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $2,720 | 5.75% |
| PINE BLUFF, AR (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $2,689 | 5.25% |
| RACINE, WI (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $14,931 | 6.50% |
| Roseburg, OR (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $4,110 | 5.38% |
| Frankfort, IN (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $2,557 | 5.75% |
| SIOUX CITY, IA-NE-SD (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $5,552 | 5.75% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,005 | 5.75% |
| Logansport, IN (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,906 | 5.99% |
| BAY CITY, MI (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $1,413 | 6.25% |
| ROCKFORD, IL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $4,393 | 5.75% |
| HAMMOND, LA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $11,427 | 5.38% |
| Huntsville, TX (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,945 | 5.99% |
| Russellville, AR (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,436 | 5.99% |
| Brownwood, TX (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,411 | 5.75% |
| Ponca City, OK (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $9,105 | 7.13% |
| LAWTON, OK (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $11,192 | 5.50% |
| GETTYSBURG, PA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $11,629 | 6.99% |
| Danville, VA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,684 | 5.75% |
| Meadville, PA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $12,352 | 5.99% |
| St. Marys, GA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $9,814 | 7.13% |
| BATTLE CREEK, MI (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $4,181 | 6.25% |
| Sandusky, OH (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,186 | 6.00% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $4,265 | 5.25% |
| Plymouth, IN (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $1,598 | 7.25% |
| Searcy, AR (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $1,989 | 5.25% |
| Alamogordo, NM (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $4,067 | 5.75% |
| Fremont, OH (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,427 | 6.50% |
| Gaffney, SC (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $10,878 | 5.75% |
| Carlsbad-Artesia, NM (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $9,113 | 6.63% |
| Union, SC (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $8,407 | 7.00% |
| JANESVILLE-BELOIT, WI (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,059 | 6.50% |
| Wilson, NC (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $5,283 | 5.25% |
| Albemarle, NC (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $1,943 | 5.75% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,888 | 6.00% |
| Greenwood, SC (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $15,072 | 5.88% |
| Roanoke Rapids, NC (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $4,888 | 4.99% |
| GAINESVILLE, FL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,613 | 5.88% |
| Portsmouth, OH (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $5,077 | 5.00% |
| DeRidder, LA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $1,920 | 5.25% |
| ODESSA, TX (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,159 | 5.00% |
| FARMINGTON, NM (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,108 | 6.25% |
| Bradford, PA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $1,698 | 5.25% |
| Paducah, KY-IL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $1,505 | 5.38% |
| WHEELING, WV-OH (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,534 | 5.38% |
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| VA | 1,492 | $493,510,000 | $330,771 | $8,489 | 5.74% |
| Conventional | 48 | $14,180,000 | $295,417 | $11,206 | 6.27% |
For 2024, Clearpath Lending's most frequently originated type of loan was VA, with 1,492 originations. Their 2nd most popular type was Conventional, with 48 originations.
Loan Reason
For 2024, Clearpath Lending's most frequently cited loan purpose was Refi, with 979 originations. The 2nd most popular reason was Cash Out Refi, with 515 originations.
Loan Duration/Length
For 2024, Clearpath Lending's most frequently cited loan duration was 30 Year, with 1,476 originations. The 2nd most popular length was Other, with 62 originations.
Origination Fees/Closing Costs
Clearpath Lending's average total fees were $8,342, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 607 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 5-6% | 1,107 | $359,605,000 | $324,846 |
| 6-7% | 265 | $89,705,000 | $338,509 |
| 4-5% | 125 | $43,415,000 | $347,320 |
| 7-8% | 42 | $14,450,000 | $344,048 |
| Over 8% | 1 | $515,000 | $515,000 |
During 2024, Clearpath Lending's average interest rate for loans was 5.74%, while their most frequently originated rate bucket for loans was 5-6%, with 1,107 originations.
Loan Sizing
2024 saw Clearpath Lending place emphasis on $200k-400k loans with 960 originations, totaling $278,300,000 in origination value.
Applicant Income
Clearpath Lending lent most frequently to those with incomes in the $50k-75k range, with 166 originations. The second most popular income band? $75k-100k, with 148 originations.
Applicant Debt to Income Ratio
Clearpath Lending lent most frequently to those with DTI ratios of 50-60%, with 146 originations. The next most common DTI ratio? 30-36%, with 68 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications86.08%
Clearpath Lending has an average approval rate.
Pick Rate
Approvals leading to origination69.16%
Clearpath Lending has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 1,540 | $507,690,000 | $329,669 |