Clearpath Lending Mortgage Rates, Fees & Info

Sacramento, CA

LEI: 549300G5DVGM0ZHRQC33

Tax ID: 45-5510883

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Mortgage Data

Review & Overview

Clearpath Lending is a smaller mortgage company specializing in Refi and Cash Out Refi loans. They have an average proportion of FHA loans. Clearpath Lending has a low ratio of conventional loans. Their top markets by origination volume include: Phoenix, Riverside, Los Angeles, Washington, and Las Vegas among others. We have data for 322 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 6.91% 3/25/24
30 Year Conventional Refi 6.59% 3/25/24
30 Year Cash-out Refi 6.70% 3/25/24
30 Year FHA Refi 7.08% 3/25/24
30 Year VA Purchase 6.24% 3/25/24
30 Year VA Refi 5.67% 3/25/24
15 Year Conventional Refi 6.68% 3/25/24
15 Year Cash-out Refi 6.68% 3/25/24
15 Year VA Refi 5.68% 3/25/24
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.

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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

2,732

Origination Dollar Volume (All Markets)

$679,930,000
Show all (78) awards

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
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 215 $49,875,000 $231,977 $5,734 3.92%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 126 $37,640,000 $298,730 $6,964 4.00%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 79 $33,845,000 $428,418 $10,251 4.07%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 77 $29,365,000 $381,364 $8,794 3.80%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 103 $25,935,000 $251,796 $7,214 3.97%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 53 $17,985,000 $339,340 $8,073 4.06%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 39 $17,615,000 $451,667 $10,396 3.66%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 84 $17,330,000 $206,310 $4,811 3.99%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 48 $16,470,000 $343,125 $8,814 3.99%
COLORADO SPRINGS, CO (FHA|USDA|VA) 59 $15,235,000 $258,220 $6,726 3.87%
URBAN HONOLULU, HI (FHA|USDA|VA) 23 $13,015,000 $565,870 $15,452 3.28%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 51 $11,755,000 $230,490 $6,553 4.02%
Outside of Metro Areas 57 $11,645,000 $204,298 $5,252 3.77%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 47 $11,135,000 $236,915 $7,145 3.86%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 43 $10,525,000 $244,767 $6,545 3.77%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 49 $10,525,000 $214,796 $5,482 4.00%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 41 $9,035,000 $220,366 $6,399 3.60%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 17 $8,895,000 $523,235 $11,269 4.05%
TUCSON, AZ (FHA|USDA|VA) 41 $8,585,000 $209,390 $4,797 3.97%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 43 $8,555,000 $198,953 $4,953 3.96%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 29 $8,415,000 $290,172 $6,307 3.75%
STOCKTON, CA (FHA|USDA|VA) 25 $8,095,000 $323,800 $8,339 4.13%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 36 $7,420,000 $206,111 $4,989 3.96%
RENO, NV (FHA|USDA|VA) 22 $7,010,000 $318,636 $8,406 3.94%
MODESTO, CA (FHA|USDA|VA) 24 $6,740,000 $280,833 $6,867 3.97%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 30 $6,180,000 $206,000 $5,651 4.23%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 24 $5,950,000 $247,917 $5,383 3.78%
BOISE CITY, ID (FHA|USDA|VA) 25 $5,945,000 $237,800 $6,152 3.85%
RICHMOND, VA (FHA|USDA|VA) 25 $5,835,000 $233,400 $5,461 4.03%
BAKERSFIELD, CA (FHA|USDA|VA) 25 $5,655,000 $226,200 $5,136 3.99%
ALBUQUERQUE, NM (FHA|USDA|VA) 29 $5,655,000 $195,000 $5,132 4.09%
COLUMBUS, OH (FHA|USDA|VA) 27 $5,405,000 $200,185 $6,081 4.11%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 25 $5,275,000 $211,000 $4,861 4.06%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 18 $5,010,000 $278,333 $6,929 3.84%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 20 $4,860,000 $243,000 $7,500 3.54%
VALLEJO, CA (FHA|USDA|VA) 14 $4,840,000 $345,714 $7,329 3.94%
GREELEY, CO (FHA|USDA|VA) 17 $4,575,000 $269,118 $6,905 4.00%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 24 $4,490,000 $187,083 $4,830 3.81%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 21 $4,375,000 $208,333 $5,661 3.70%
SALINAS, CA (FHA|USDA|VA) 10 $4,080,000 $408,000 $8,852 3.65%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 18 $3,560,000 $197,778 $4,740 4.58%
VISALIA, CA (FHA|USDA|VA) 15 $3,435,000 $229,000 $6,301 4.10%
JACKSONVILLE, FL (FHA|USDA|VA) 19 $3,435,000 $180,789 $5,700 3.93%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 13 $3,395,000 $261,154 $7,040 3.97%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 7 $3,295,000 $470,714 $11,900 3.80%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 16 $3,230,000 $201,875 $4,518 3.86%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 16 $3,170,000 $198,125 $4,731 3.74%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 16 $3,070,000 $191,875 $6,013 3.65%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 15 $3,045,000 $203,000 $4,671 3.92%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 18 $2,940,000 $163,333 $3,191 3.87%
GRAND JUNCTION, CO (FHA|USDA|VA) 14 $2,820,000 $201,429 $5,625 3.96%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 12 $2,680,000 $223,333 $4,845 3.75%
PUEBLO, CO (FHA|USDA|VA) 14 $2,630,000 $187,857 $5,709 4.04%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 14 $2,590,000 $185,000 $5,432 3.53%
RALEIGH-CARY, NC (FHA|USDA|VA) 13 $2,585,000 $198,846 $5,495 4.12%
KNOXVILLE, TN (FHA|USDA|VA) 13 $2,505,000 $192,692 $4,312 3.89%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 5 $2,385,000 $477,000 $14,366 3.93%
MONTGOMERY, AL (FHA|USDA|VA) 13 $2,355,000 $181,154 $4,300 3.94%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 11 $2,345,000 $213,182 $5,823 3.82%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 12 $2,290,000 $190,833 $5,750 3.07%
FAYETTEVILLE, NC (FHA|USDA|VA) 12 $2,270,000 $189,167 $4,358 3.74%
FRESNO, CA (FHA|USDA|VA) 9 $2,235,000 $248,333 $3,658 4.32%
YUBA CITY, CA (FHA|USDA|VA) 8 $2,160,000 $270,000 $5,088 3.94%
PORT ST. LUCIE, FL (FHA|USDA|VA) 9 $2,145,000 $238,333 $6,617 3.65%
MERCED, CA (FHA|USDA|VA) 9 $2,135,000 $237,222 $5,833 4.61%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 10 $2,110,000 $211,000 $5,532 3.48%
PITTSBURGH, PA (FHA|USDA|VA) 10 $2,110,000 $211,000 $7,785 3.93%
REDDING, CA (FHA|USDA|VA) 10 $2,070,000 $207,000 $4,725 4.04%
FORT COLLINS, CO (FHA|USDA|VA) 6 $2,070,000 $345,000 $7,370 3.54%
BATON ROUGE, LA (FHA|USDA|VA) 11 $2,035,000 $185,000 $5,317 3.92%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 4 $2,030,000 $507,500 $11,403 4.34%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 9 $1,995,000 $221,667 $6,517 3.81%
COLUMBUS, GA-AL (FHA|USDA|VA) 10 $1,880,000 $188,000 $2,492 4.35%
SAVANNAH, GA (FHA|USDA|VA) 8 $1,750,000 $218,750 $5,285 3.98%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 11 $1,735,000 $157,727 $3,307 3.80%
HUNTSVILLE, AL (FHA|USDA|VA) 8 $1,710,000 $213,750 $5,988 3.27%
WILMINGTON, NC (FHA|USDA|VA) 5 $1,575,000 $315,000 $9,169 3.88%
EL PASO, TX (FHA|USDA|VA) 9 $1,555,000 $172,778 $4,110 3.78%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 9 $1,515,000 $168,333 $4,570 3.92%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 7 $1,515,000 $216,429 $5,196 4.20%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 2 $1,460,000 $730,000 $3,730 4.19%
Kalispell, MT (FHA|USDA|VA) 6 $1,440,000 $240,000 $10,147 3.92%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 7 $1,435,000 $205,000 $3,630 3.96%
YUMA, AZ (FHA|USDA|VA) 8 $1,400,000 $175,000 $3,743 4.33%
DAYTON-KETTERING, OH (FHA|USDA|VA) 8 $1,360,000 $170,000 $4,384 3.86%
LAS CRUCES, NM (FHA|USDA|VA) 6 $1,230,000 $205,000 $5,168 4.15%
GREEN BAY, WI (FHA|USDA|VA) 7 $1,195,000 $170,714 $4,067 3.61%
NAPA, CA (FHA|USDA|VA) 2 $1,190,000 $595,000 $12,516 3.50%
MOBILE, AL (FHA|USDA|VA) 7 $1,185,000 $169,286 $4,339 3.82%
EL CENTRO, CA (FHA|USDA|VA) 5 $1,185,000 $237,000 $5,999 4.05%
Sonora, CA (FHA|USDA|VA) 4 $1,170,000 $292,500 $5,446 4.03%
FLAGSTAFF, AZ (FHA|USDA|VA) 4 $1,170,000 $292,500 $9,655 4.44%
CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 6 $1,130,000 $188,333 $5,571 3.98%
KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) 2 $1,110,000 $555,000 $15,682 3.44%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 5 $1,065,000 $213,000 $5,259 3.78%
LAKE CHARLES, LA (FHA|USDA|VA) 5 $1,055,000 $211,000 $8,029 3.68%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 6 $1,050,000 $175,000 $5,097 3.69%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 5 $985,000 $197,000 $6,620 3.75%
ANN ARBOR, MI (FHA|USDA|VA) 4 $970,000 $242,500 $6,408 4.19%
WINSTON-SALEM, NC (FHA|USDA|VA) 5 $965,000 $193,000 $5,708 3.70%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 4 $950,000 $237,500 $6,777 3.97%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 5 $945,000 $189,000 $4,442 3.50%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 4 $940,000 $235,000 $5,105 3.81%
Fernley, NV (FHA|USDA|VA) 4 $940,000 $235,000 $4,264 4.34%
Gardnerville Ranchos, NV (FHA|USDA|VA) 3 $935,000 $311,667 $7,886 4.08%
Outside of Metro Areas 4 $930,000 $232,500 $7,214 4.09%
READING, PA (FHA|USDA|VA) 5 $925,000 $185,000 $5,391 4.02%
HINESVILLE, GA (FHA|USDA|VA) 5 $905,000 $181,000 $3,640 4.08%
HANFORD-CORCORAN, CA (FHA|USDA|VA) 5 $885,000 $177,000 $4,780 3.50%
AKRON, OH (FHA|USDA|VA) 6 $880,000 $146,667 $3,834 3.77%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 3 $855,000 $285,000 $10,715 2.58%
JACKSONVILLE, NC (FHA|USDA|VA) 5 $815,000 $163,000 $3,563 3.50%
Pahrump, NV (FHA|USDA|VA) 4 $810,000 $202,500 $5,032 4.13%
Truckee-Grass Valley, CA (FHA|USDA|VA) 3 $805,000 $268,333 $6,486 4.13%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 2 $800,000 $400,000 $9,584 4.00%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 5 $795,000 $159,000 $5,205 3.70%
Crossville, TN (FHA|USDA|VA) 4 $790,000 $197,500 $5,177 3.16%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 5 $785,000 $157,000 $4,201 4.28%
Hilo, HI (FHA|USDA|VA) 3 $785,000 $261,667 $8,386 3.21%
SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 4 $770,000 $192,500 $5,535 4.09%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 3 $765,000 $255,000 $3,390 3.92%
SALISBURY, MD-DE (FHA|USDA|VA) 3 $745,000 $248,333 $7,744 3.75%
OCALA, FL (FHA|USDA|VA) 4 $740,000 $185,000 $6,125 3.72%
CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 2 $740,000 $370,000 $9,571 4.06%
FLINT, MI (FHA|USDA|VA) 5 $735,000 $147,000 $3,407 3.93%
MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 4 $720,000 $180,000 $4,306 3.63%
LAFAYETTE, LA (FHA|USDA|VA) 4 $720,000 $180,000 $5,150 3.56%
CHICO, CA (FHA|USDA|VA) 3 $705,000 $235,000 $6,046 4.29%
GAINESVILLE, GA (FHA|USDA|VA) 3 $685,000 $228,333 $6,093 3.50%
LEBANON, PA (FHA|USDA|VA) 4 $680,000 $170,000 $5,210 4.13%
CANTON-MASSILLON, OH (FHA|USDA|VA) 4 $650,000 $162,500 $3,488 4.19%
GAINESVILLE, FL (FHA|USDA|VA) 4 $640,000 $160,000 $5,378 4.00%
ASHEVILLE, NC (FHA|USDA|VA) 3 $635,000 $211,667 $6,546 3.92%
EVANSVILLE, IN-KY (FHA|USDA|VA) 4 $620,000 $155,000 $3,900 3.78%
ANCHORAGE, AK (FHA|USDA|VA) 2 $610,000 $305,000 $5,622 4.56%
MORRISTOWN, TN (FHA|USDA|VA) 4 $600,000 $150,000 $2,974 3.63%
St. Marys, GA (FHA|USDA|VA) 2 $600,000 $300,000 $7,999 3.56%
Helena, MT (FHA|USDA|VA) 2 $600,000 $300,000 $6,029 3.75%
ALEXANDRIA, LA (FHA|USDA|VA) 3 $595,000 $198,333 $6,133 4.17%
MUSKEGON, MI (FHA|USDA|VA) 3 $585,000 $195,000 $2,248 4.67%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 3 $585,000 $195,000 $3,070 4.33%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 3 $565,000 $188,333 $4,206 4.13%
BATTLE CREEK, MI (FHA|USDA|VA) 3 $565,000 $188,333 $6,107 4.29%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 3 $555,000 $185,000 $4,611 4.00%
NEW BERN, NC (FHA|USDA|VA) 3 $555,000 $185,000 $4,463 3.25%
Winnemucca, NV (FHA|USDA|VA) 2 $550,000 $275,000 $7,932 3.81%
WINCHESTER, VA-WV (FHA|USDA|VA) 2 $540,000 $270,000 $5,757 4.06%
KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 3 $535,000 $178,333 $3,588 3.96%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 3 $535,000 $178,333 $5,411 3.58%
SANTA FE, NM (FHA|USDA|VA) 2 $510,000 $255,000 $7,994 3.31%
VINELAND-BRIDGETON, NJ (FHA|USDA|VA) 2 $510,000 $255,000 $2,174 4.63%
Clovis, NM (FHA|USDA|VA) 3 $495,000 $165,000 $5,928 3.83%
MADISON, WI (FHA|USDA|VA) 3 $495,000 $165,000 $4,501 4.17%
LOUISVILLE, KY (FHA|USDA|VA) 2 $480,000 $240,000 $7,471 3.50%
MUNCIE, IN (FHA|USDA|VA) 3 $475,000 $158,333 $3,311 4.50%
HAMMOND, LA (FHA|USDA|VA) 3 $475,000 $158,333 $4,946 3.91%
Tullahoma-Manchester, TN (FHA|USDA|VA) 3 $465,000 $155,000 $3,081 3.92%
Cornelia, GA (FHA|USDA|VA) 2 $450,000 $225,000 $2,629 4.44%
Statesboro, GA (FHA|USDA|VA) 2 $440,000 $220,000 $1,463 4.50%
PANAMA CITY, FL (FHA|USDA|VA) 2 $440,000 $220,000 $5,563 4.13%
TYLER, TX (FHA|USDA|VA) 3 $435,000 $145,000 $4,107 4.08%
Kapaa, HI (FHA|USDA|VA) 1 $435,000 $435,000 $4,645 4.25%
FORT WAYNE, IN (FHA|USDA|VA) 2 $430,000 $215,000 $5,768 3.50%
MONROE, MI (FHA|USDA|VA) 2 $430,000 $215,000 $6,549 3.31%
MADERA, CA (FHA|USDA|VA) 2 $430,000 $215,000 $4,557 4.88%
WARNER ROBINS, GA (FHA|USDA|VA) 2 $420,000 $210,000 $6,485 3.31%
TWIN FALLS, ID (FHA|USDA|VA) 2 $420,000 $210,000 $6,827 3.44%
Rexburg, ID (FHA|USDA|VA) 2 $420,000 $210,000 $4,687 3.94%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 3 $415,000 $138,333 $3,931 4.17%
OSHKOSH-NEENAH, WI (FHA|USDA|VA) 3 $415,000 $138,333 $3,309 3.38%
Wapakoneta, OH (FHA|USDA|VA) 3 $415,000 $138,333 $5,679 3.46%
APPLETON, WI (FHA|USDA|VA) 2 $400,000 $200,000 $6,495 2.63%
DULUTH, MN-WI (FHA|USDA|VA) 3 $395,000 $131,667 $3,356 3.54%
SAGINAW, MI (FHA|USDA|VA) 3 $395,000 $131,667 $2,364 4.00%
CARSON CITY, NV (FHA|USDA|VA) 2 $390,000 $195,000 $5,713 3.81%
TUSCALOOSA, AL (FHA|USDA|VA) 2 $390,000 $195,000 $7,211 3.63%
Alamogordo, NM (FHA|USDA|VA) 2 $390,000 $195,000 $5,789 3.31%
BOULDER, CO (FHA|USDA|VA) 1 $385,000 $385,000 $7,834 4.63%
BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) 2 $380,000 $190,000 $6,741 3.63%
Payson, AZ (FHA|USDA|VA) 1 $375,000 $375,000 $2,772 4.00%
FARGO, ND-MN (FHA|USDA|VA) 2 $370,000 $185,000 $4,320 3.19%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 2 $370,000 $185,000 $5,817 3.81%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 2 $370,000 $185,000 $4,338 4.56%
TERRE HAUTE, IN (FHA|USDA|VA) 2 $370,000 $185,000 $2,222 4.44%
CLEVELAND, TN (FHA|USDA|VA) 2 $370,000 $185,000 $2,927 4.18%
LIMA, OH (FHA|USDA|VA) 2 $370,000 $185,000 $5,274 4.06%
RACINE, WI (FHA|USDA|VA) 2 $360,000 $180,000 $4,727 3.38%
LANCASTER, PA (FHA|USDA|VA) 2 $360,000 $180,000 $5,212 4.31%
Vincennes, IN (FHA|USDA|VA) 2 $360,000 $180,000 $4,390 3.56%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 2 $350,000 $175,000 $5,984 3.56%
Elizabeth City, NC (FHA|USDA|VA) 2 $350,000 $175,000 $4,445 4.19%
MANKATO, MN (FHA|USDA|VA) 2 $340,000 $170,000 $3,917 3.25%
IDAHO FALLS, ID (FHA|USDA|VA) 2 $340,000 $170,000 $5,044 3.81%
MONROE, LA (FHA|USDA|VA) 1 $335,000 $335,000 $11,930 3.38%
PUNTA GORDA, FL (FHA|USDA|VA) 2 $330,000 $165,000 $2,754 4.75%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 1 $325,000 $325,000 $7,640 3.88%
Chillicothe, OH (FHA|USDA|VA) 2 $320,000 $160,000 $5,235 3.13%
Cullman, AL (FHA|USDA|VA) 2 $320,000 $160,000 $4,457 3.94%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $315,000 $315,000 $9,652 3.13%
Mount Airy, NC (FHA|USDA|VA) 1 $315,000 $315,000 $9,807 2.88%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 2 $310,000 $155,000 $4,097 3.50%
Marion, OH (FHA|USDA|VA) 2 $310,000 $155,000 $3,943 4.37%
YORK-HANOVER, PA (FHA|USDA|VA) 1 $305,000 $305,000 $5,092 5.75%
Durango, CO (FHA|USDA|VA) 1 $305,000 $305,000 $7,270 3.75%
BILLINGS, MT (FHA|USDA|VA) 2 $300,000 $150,000 $3,190 3.69%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 2 $300,000 $150,000 $6,271 3.75%
Fallon, NV (FHA|USDA|VA) 1 $295,000 $295,000 $7,354 4.13%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 2 $290,000 $145,000 $3,440 3.88%
MIDLAND, MI (FHA|USDA|VA) 2 $280,000 $140,000 $2,799 4.19%
Martinsville, VA (FHA|USDA|VA) 2 $280,000 $140,000 $2,912 3.19%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 1 $275,000 $275,000 $6,165 3.63%
GREENVILLE, NC (FHA|USDA|VA) 1 $275,000 $275,000 $11,156 4.00%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 2 $270,000 $135,000 $3,731 4.00%
FARMINGTON, NM (FHA|USDA|VA) 1 $265,000 $265,000 $12,478 4.25%
Ukiah, CA (FHA|USDA|VA) 1 $265,000 $265,000 $6,574 3.75%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 1 $265,000 $265,000 $7,009 3.75%
WILLIAMSPORT, PA (FHA|USDA|VA) 1 $265,000 $265,000 $7,742 3.38%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 1 $265,000 $265,000 $9,361 3.13%
Red Wing, MN (FHA|USDA|VA) 2 $260,000 $130,000 $2,683 3.31%
LUBBOCK, TX (FHA|USDA|VA) 2 $260,000 $130,000 $4,226 3.06%
SPRINGFIELD, OH (FHA|USDA|VA) 1 $255,000 $255,000 $8,531 3.13%
LINCOLN, NE (FHA|USDA|VA) 1 $255,000 $255,000 $7,749 2.63%
Jefferson, GA (FHA|USDA|VA) 1 $245,000 $245,000 $5,419 5.00%
Beatrice, NE (FHA|USDA|VA) 1 $245,000 $245,000 $7,824 2.25%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 2 $240,000 $120,000 $3,210 3.94%
GETTYSBURG, PA (FHA|USDA|VA) 1 $235,000 $235,000 $6,468 4.75%
Washington Court House, OH (FHA|USDA|VA) 1 $235,000 $235,000 $8,190 2.75%
DeRidder, LA (FHA|USDA|VA) 1 $235,000 $235,000 $7,836 3.38%
ALTOONA, PA (FHA|USDA|VA) 2 $230,000 $115,000 $3,182 3.75%
Somerset, PA (FHA|USDA|VA) 2 $230,000 $115,000 $3,971 3.50%
North Platte, NE (FHA|USDA|VA) 1 $225,000 $225,000 $6,484 4.50%
Sweetwater, TX (FHA|USDA|VA) 1 $225,000 $225,000 $3,585 4.63%
STATE COLLEGE, PA (FHA|USDA|VA) 1 $225,000 $225,000 $6,918 3.88%
ERIE, PA (FHA|USDA|VA) 1 $215,000 $215,000 $3,555 4.50%
Brownsville, TN (FHA|USDA|VA) 1 $215,000 $215,000 $6,949 3.13%
WAUSAU-WESTON, WI (FHA|USDA|VA) 1 $205,000 $205,000 $7,305 3.75%
Owatonna, MN (FHA|USDA|VA) 1 $205,000 $205,000 $6,319 3.50%
Thomasville, GA (FHA|USDA|VA) 1 $205,000 $205,000 $3,248 4.25%
MIDLAND, TX (FHA|USDA|VA) 1 $205,000 $205,000 $3,912 4.75%
Bozeman, MT (FHA|USDA|VA) 1 $205,000 $205,000 $5,179 3.75%
Stephenville, TX (FHA|USDA|VA) 1 $205,000 $205,000 $5,098 4.75%
GREAT FALLS, MT (FHA|USDA|VA) 1 $195,000 $195,000 $6,235 2.50%
Uvalde, TX (FHA|USDA|VA) 1 $195,000 $195,000 $2,707 4.25%
SHERMAN-DENISON, TX (FHA|USDA|VA) 1 $195,000 $195,000 $2,227 5.00%
Mountain Home, ID (FHA|USDA|VA) 1 $195,000 $195,000 $6,281 2.88%
WICHITA FALLS, TX (FHA|USDA|VA) 1 $195,000 $195,000 $5,307 2.75%
LYNCHBURG, VA (FHA|USDA|VA) 1 $185,000 $185,000 $4,121 4.50%
Ozark, AL (FHA|USDA|VA) 1 $185,000 $185,000 $4,794 4.38%
Greeneville, TN (FHA|USDA|VA) 1 $185,000 $185,000 $5,778 4.13%
Glenwood Springs, CO (FHA|USDA|VA) 1 $185,000 $185,000 $4,135 4.88%
Wilmington, OH (FHA|USDA|VA) 1 $185,000 $185,000 $5,168 3.75%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 1 $185,000 $185,000 $4,281 4.88%
Red Bluff, CA (FHA|USDA|VA) 1 $185,000 $185,000 $3,932 4.00%
Albertville, AL (FHA|USDA|VA) 1 $185,000 $185,000 $1,796 4.25%
KOKOMO, IN (FHA|USDA|VA) 1 $185,000 $185,000 $3,950 4.88%
TOLEDO, OH (FHA|USDA|VA) 1 $185,000 $185,000 $5,891 3.75%
STAUNTON, VA (FHA|USDA|VA) 1 $185,000 $185,000 $5,506 3.75%
Safford, AZ (FHA|USDA|VA) 1 $175,000 $175,000 $5,192 3.75%
Americus, GA (FHA|USDA|VA) 1 $175,000 $175,000 $3,972 4.75%
Athens, TX (FHA|USDA|VA) 1 $175,000 $175,000 $4,791 3.75%
CORPUS CHRISTI, TX (FHA|USDA|VA) 1 $175,000 $175,000 $3,295 4.50%
DOVER, DE (FHA|USDA|VA) 1 $175,000 $175,000 $1,183 4.25%
FOND DU LAC, WI (FHA|USDA|VA) 1 $175,000 $175,000 $3,806 3.95%
Fort Morgan, CO (FHA|USDA|VA) 1 $175,000 $175,000 $2,895 4.38%
GADSDEN, AL (FHA|USDA|VA) 1 $175,000 $175,000 $3,873 4.88%
NILES, MI (FHA|USDA|VA) 1 $175,000 $175,000 $4,954 3.00%
Sturgis, MI (FHA|USDA|VA) 1 $175,000 $175,000 $5,525 3.75%
Warsaw, IN (FHA|USDA|VA) 1 $175,000 $175,000 $3,697 3.75%
JACKSON, TN (FHA|USDA|VA) 1 $165,000 $165,000 $1,655 4.13%
Holland, MI (FHA|USDA|VA) 1 $165,000 $165,000 $4,276 3.00%
Show Low, AZ (FHA|USDA|VA) 1 $165,000 $165,000 $4,091 3.88%
Angola, IN (FHA|USDA|VA) 1 $165,000 $165,000 $4,891 3.25%
BLOOMINGTON, IN (FHA|USDA|VA) 1 $165,000 $165,000 $3,469 4.38%
Brainerd, MN (FHA|USDA|VA) 1 $165,000 $165,000 $4,166 3.75%
ROANOKE, VA (FHA|USDA|VA) 1 $165,000 $165,000 $4,081 3.99%
Cedartown, GA (FHA|USDA|VA) 1 $165,000 $165,000 $1,925 4.00%
MANSFIELD, OH (FHA|USDA|VA) 1 $165,000 $165,000 $3,171 4.50%
Faribault-Northfield, MN (FHA|USDA|VA) 1 $165,000 $165,000 $4,559 3.88%
Brevard, NC (FHA|USDA|VA) 1 $155,000 $155,000 $4,344 2.88%
LAREDO, TX (FHA|USDA|VA) 1 $155,000 $155,000 $5,238 3.00%
Richmond, IN (FHA|USDA|VA) 1 $155,000 $155,000 $4,674 3.25%
JOHNSON CITY, TN (FHA|USDA|VA) 1 $155,000 $155,000 $1,045 4.38%
Sevierville, TN (FHA|USDA|VA) 1 $155,000 $155,000 $4,098 3.75%
SPRINGFIELD, IL (FHA|USDA|VA) 1 $155,000 $155,000 $5,827 3.88%
Willmar, MN (FHA|USDA|VA) 1 $155,000 $155,000 $4,040 3.13%
Huntington, IN (FHA|USDA|VA) 1 $155,000 $155,000 $4,690 2.63%
DALTON, GA (FHA|USDA|VA) 1 $155,000 $155,000 $1,806 4.50%
Hastings, NE (FHA|USDA|VA) 1 $155,000 $155,000 $4,134 3.75%
AMARILLO, TX (FHA|USDA|VA) 1 $155,000 $155,000 $4,347 3.75%
Bainbridge, GA (FHA|USDA|VA) 1 $155,000 $155,000 $950 4.25%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 1 $155,000 $155,000 $4,504 3.88%
Marion, IN (FHA|USDA|VA) 1 $155,000 $155,000 $3,352 3.88%
Jasper, AL (FHA|USDA|VA) 1 $155,000 $155,000 $1,835 5.38%
Urbana, OH (FHA|USDA|VA) 1 $155,000 $155,000 $3,853 3.88%
SIOUX CITY, IA-NE-SD (FHA|USDA|VA) 1 $145,000 $145,000 $3,603 4.25%
ST. LOUIS, MO-IL (FHA|USDA|VA) 1 $145,000 $145,000 $3,805 4.00%
THE VILLAGES, FL (FHA|USDA|VA) 1 $145,000 $145,000 $3,466 4.50%
Plymouth, IN (FHA|USDA|VA) 1 $145,000 $145,000 $1,511 4.38%
Elko, NV (FHA|USDA|VA) 1 $145,000 $145,000 $5,710 3.13%
TALLAHASSEE, FL (FHA|USDA|VA) 1 $135,000 $135,000 $4,900 3.63%
ROCKY MOUNT, NC (FHA|USDA|VA) 1 $135,000 $135,000 $2,359 4.25%
Susanville, CA (FHA|USDA|VA) 1 $135,000 $135,000 $4,946 2.88%
Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) 1 $135,000 $135,000 $5,019 2.25%
Bellefontaine, OH (FHA|USDA|VA) 1 $135,000 $135,000 $1,995 4.25%
ELKHART-GOSHEN, IN (FHA|USDA|VA) 1 $135,000 $135,000 $4,776 2.63%
EAU CLAIRE, WI (FHA|USDA|VA) 1 $135,000 $135,000 $4,276 2.25%
Danville, VA (FHA|USDA|VA) 1 $135,000 $135,000 $3,855 3.75%
Fremont, OH (FHA|USDA|VA) 1 $135,000 $135,000 $2,835 5.13%
Coshocton, OH (FHA|USDA|VA) 1 $135,000 $135,000 $3,679 3.88%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 1 $135,000 $135,000 $4,324 3.75%
Meadville, PA (FHA|USDA|VA) 1 $135,000 $135,000 $5,042 3.50%
Bucyrus-Galion, OH (FHA|USDA|VA) 1 $135,000 $135,000 $4,000 3.99%
Salem, OH (FHA|USDA|VA) 1 $125,000 $125,000 $4,293 3.88%
Seymour, IN (FHA|USDA|VA) 1 $125,000 $125,000 $1,261 4.25%
New Castle, PA (FHA|USDA|VA) 1 $125,000 $125,000 $2,811 3.75%
PEORIA, IL (FHA|USDA|VA) 1 $125,000 $125,000 $1,805 4.38%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 1 $125,000 $125,000 $1,971 4.63%
ABILENE, TX (FHA|USDA|VA) 1 $125,000 $125,000 $3,514 3.25%
Enterprise, AL (FHA|USDA|VA) 1 $115,000 $115,000 $3,746 3.75%
TEXARKANA, TX-AR (FHA|USDA|VA) 1 $105,000 $105,000 $3,665 2.50%
Findlay, OH (FHA|USDA|VA) 1 $105,000 $105,000 $2,995 4.63%
Auburn, IN (FHA|USDA|VA) 1 $105,000 $105,000 $2,516 4.75%
Clearpath Lending's top markets include Phoenix, Riverside, Los Angeles, Washington, and Las Vegas among others.

Their top states include:
  • California (FHA|USDA|VA)
  • Arizona (FHA|USDA|VA)
  • Colorado (FHA|USDA|VA)
  • Nevada (FHA|USDA|VA)
  • Virginia (FHA|USDA|VA)
  • Similar Lenders

    We use machine learning to identify the top lenders compared against CLEARPATH LENDING based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    CONSUMER Credit Union
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    VA 2,133 $532,955,000 $249,862 $6,477 3.78%
    FHA 562 $136,510,000 $242,900 $5,610 4.33%
    Conventional 37 $10,465,000 $282,838 $4,079 4.91%

    For 2018, Clearpath Lending's most frequently originated type of loan was VA, with 2,133 originations. Their 2nd most popular type was FHA, with 562 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 2,194 $529,400,000 $241,294 $5,937 3.77%
    Cash Out Refi 522 $146,580,000 $280,805 $7,698 4.45%
    Home Purchase 16 $3,950,000 $246,875 $4,646 4.83%

    For 2018, Clearpath Lending's most frequently cited loan purpose was Refi, with 2,194 originations. The 2nd most popular reason was Cash Out Refi, with 522 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 2,376 $596,400,000 $251,010 $6,461 3.83%
    Other 339 $80,065,000 $236,180 $4,954 4.43%
    15 Year 13 $2,305,000 $177,308 $5,262 3.47%
    20 Year 3 $585,000 $195,000 $6,505 4.13%
    10 Year 1 $575,000 $575,000 $1,850 4.38%

    For 2018, Clearpath Lending's most frequently cited loan duration was 30 Year, with 2,376 originations. The 2nd most popular length was Other, with 339 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 895 $213,495,000 $238,542
    $5k+ 610 $215,320,000 $352,984
    $3k-4k 380 $71,850,000 $189,079
    $2k-3k 351 $65,315,000 $186,083
    $1k-2k 253 $57,855,000 $228,676
    $4k-5k 243 $56,095,000 $230,844

    Clearpath Lending's average total fees were $6,461, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 895 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 1,234 $298,740,000 $242,091
    4-5% 1,030 $261,950,000 $254,320
    2.5-3% 236 $61,330,000 $259,873
    <2.5% 149 $38,495,000 $258,356
    5-6% 83 $19,415,000 $233,916

    During 2018, Clearpath Lending's average interest rate for loans was 3.83%, while their most frequently originated rate bucket for loans was 3-4%, with 1,234 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 1,293 $351,105,000 $271,543 $6,746 3.95%
    $100k-200k 1,146 $181,160,000 $158,080 $4,312 3.88%
    $400k-600k 233 $109,885,000 $471,609 $11,040 3.82%
    $600k-1MM 54 $37,240,000 $689,630 $16,097 3.63%
    $100,000 or less 6 $540,000 $90,000 $2,161 4.94%

    2018 saw Clearpath Lending place emphasis on $200k-400k loans with 1,293 originations, totaling $351,105,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 2,152 $508,960,000 $236,506 $5,992 3.77%
    $50k-75k 282 $68,120,000 $241,560 $6,223 4.40%
    $75k-100k 154 $44,540,000 $289,221 $7,385 4.43%
    $100k-150k 113 $42,755,000 $378,363 $8,580 4.50%
    $150k-250k 25 $12,455,000 $498,200 $10,572 4.25%
    $250k+ 5 $2,945,000 $589,000 $18,832 4.23%

    Clearpath Lending lent most frequently to those with incomes in the $50k or less range, with 2,152 originations. The second most popular income band? $50k-75k, with 282 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    50-60% 137 $41,915,000 $305,949 $7,571 4.38%
    30-36% 80 $19,730,000 $246,625 $7,071 4.39%
    20-30% 48 $10,880,000 $226,667 $6,601 4.34%
    45% 45 $13,955,000 $310,111 $7,530 4.45%
    41% 42 $9,240,000 $220,000 $6,696 4.33%
    49% 38 $12,080,000 $317,895 $8,603 4.40%
    42% 38 $10,550,000 $277,632 $6,482 4.43%
    44% 35 $10,295,000 $294,143 $7,677 4.40%
    40% 31 $6,665,000 $215,000 $5,045 4.39%
    46% 30 $8,980,000 $299,333 $6,742 4.46%
    37% 30 $7,350,000 $245,000 $5,676 4.39%
    43% 30 $7,120,000 $237,333 $6,129 4.45%
    38% 29 $6,985,000 $240,862 $6,300 4.36%
    47% 28 $7,580,000 $270,714 $7,644 4.54%
    >60% 26 $8,200,000 $315,385 $7,397 4.88%
    48% 26 $7,450,000 $286,538 $5,452 4.57%
    39% 23 $7,245,000 $315,000 $8,879 4.34%
    36% 13 $3,645,000 $280,385 $6,068 4.45%
    <20% 4 $620,000 $155,000 $4,086 4.22%

    Clearpath Lending lent most frequently to those with DTI ratios of 50-60%, with 137 originations. The next most common DTI ratio? 30-36%, with 80 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,886 $458,580,000 $243,150 $6,189 3.91%
    Black 611 $152,945,000 $250,319 $6,157 3.95%
    Not provided 113 $28,135,000 $248,982 $6,296 3.56%
    Asian 68 $25,190,000 $370,441 $8,590 3.93%
    Native Hawaiian or Islander 32 $10,030,000 $313,438 $7,899 3.86%
    American Indian 22 $5,050,000 $229,545 $6,226 3.90%

    Approval Rates

    Total approvals of all applications
    77.61%

    Clearpath Lending has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    77.38%

    Clearpath Lending has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 2,732 $679,930,000 $248,876

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Manufactured 57 $9,685,000 $169,912
    Single Family (1-4 Units):Site-Built 2,675 $670,245,000 $250,559

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 4 $940,000 $235,000 $3,234 4.03%
    40-60% 31 $6,775,000 $218,548 $5,409 4.12%
    60-80% 183 $42,695,000 $233,306 $5,626 4.05%
    80-100% 1,971 $496,675,000 $251,991 $6,003 3.99%
    Over 100% 543 $132,845,000 $244,650 $7,508 3.54%

    Complaints

    Bank Name Product Issue 2018 CPFB Complaints % of Total Issues
    ClearPath Lending FHA mortgage Applying for a mortgage or refinancing an existing mortgage 1 33.3%
    ClearPath Lending VA mortgage Applying for a mortgage or refinancing an existing mortgage 2 66.7%