# CLEARPATH LENDING

> **Canonical URL:** https://saferate.com/lenders/clearpath-lending


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


CLEARPATH LENDING is a independent mortgage company, headquartered in IRVINE, CA, serving borrowers across 30 states, with 554 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 61% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 53% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300G5DVGM0ZHRQC33
- **Headquarters:** IRVINE, CA
- **Geographic Reach:** Near-National
- **States Served:** 30
- **State List:** AL, AR, AZ, CA, CO, FL, GA, HI, ID, IL, IN, KY, LA, MD, MI, MT, NC, NE, NJ, NM, NV, OH, OK, OR, PA, SC, TN, TX, VA, WI
- **Markets (MSAs):** 13
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 39/100
- Rating: ●●○○○ (2/5)

### Pull Through: Sound ☺️
- Score: 47/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.051%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,054
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 554
- **Dollar Volume:** $188 million
- **Applications Received:** 886
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $339,314
- **Average Borrower Income:** $99,856
- **Average Property Value:** $390,884

## Safe Rate Awards 🏆

- ⭐ **VA Gold Superstar** (63%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 23/100 | 38 | +0.344% | $3,108 | Acceptable 🙂 |
| VA | 77/100 | 516 | +0.030% | $3,050 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Refinance: 31 loans, Score: 32/100 (Acceptable)

**VA:**
- Purchase: 36 loans, Score: 44/100 (Sound)
- Refinance: 480 loans, Score: 87/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 26/100 | 43 | $15M | -0.098% | Acceptable 🙂 |
| Refinance | 64/100 | 511 | $173M | +0.077% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| FL | 61 | 0.02% | 53/100 |
| GA | 44 | 0.03% | 54/100 |
| NC | 40 | 0.03% | 51/100 |
| VA | 36 | 0.03% | 53/100 |
| CA | 34 | 0.01% | 47/100 |
| AZ | 33 | 0.03% | 51/100 |
| TN | 29 | 0.03% | 50/100 |
| SC | 28 | 0.03% | 51/100 |
| NV | 23 | 0.06% | 50/100 |
| OH | 23 | 0.02% | 46/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 52 | 43/100 |
| Las Vegas | NV | 21 | 50/100 |
| Phoenix | AZ | 19 | 46/100 |
| Arlington | VA-WV | 15 | 45/100 |
| Atlanta | GA | 15 | 44/100 |
| Virginia Beach | VA-NC | 15 | 46/100 |
| Nashville | TN | 14 | 44/100 |
| Riverside | CA | 13 | 42/100 |
| Baltimore | MD | 12 | 42/100 |
| Cincinnati, OH |  | 11 | 42/100 |
| Charlotte | NC-SC | 10 | 40/100 |
| Indianapolis | IN | 10 | 40/100 |
| Jacksonville, FL | FL | 10 | 41/100 |

## Frequently Asked Questions

### What loan types does CLEARPATH LENDING offer?

CLEARPATH LENDING offers the following mortgage loan types: Conventional, VA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does CLEARPATH LENDING offer mortgages?

CLEARPATH LENDING offers mortgages in 30 states: AL, AR, AZ, CA, CO, FL, GA, HI, ID, IL, IN, KY, LA, MD, MI, MT, NC, NE, NJ, NM, NV, OH, OK, OR, PA, SC, TN, TX, VA, WI.

### How competitive are CLEARPATH LENDING's mortgage rates?

CLEARPATH LENDING has a pricing score of 39/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.051% above market average.

### What type of lender is CLEARPATH LENDING?

CLEARPATH LENDING is a non-depository lender that specializes in mortgage origination, headquartered in IRVINE, CA.

### What is CLEARPATH LENDING's loan approval success rate?

CLEARPATH LENDING has a pull-through score of 47/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/clearpath-lending

### How to Cite

> "CLEARPATH LENDING Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/clearpath-lending

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