What loan types does CLEARPATH LENDING offer?

CLEARPATH LENDING offers the following mortgage loan types: Conventional, VA. Each product has its own pricing score and performance metrics.

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 an overall pricing score of 39.1/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is CLEARPATH LENDING?

CLEARPATH LENDING is a Independent Mortgage Company headquartered in IRVINE, CA.

Unclaimed

Clearpath Lending

Independent Mortgage Company•IRVINE, CA•Direct to Consumer

We analyzed every closed loan from Clearpath Lending — 554 loans across 886 applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.

Pricing

Acceptable

vs. all lenders

Pull Through

Sound

closing strength

Products

Strong

Conventional · VA

Place

Sound

Near-National · 12 mkts

Safe Rate Awards⭐VA Superstar

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Safe Rate's Summary

What They Do Well

Nationwide availability with consistent service

Things to Think About

Pricing may be below industry average

Explore another lender or local market

Report Card

Clearpath Lending performance at a glance

Category	Score	vs. Peers
Overall Performance· Pricing & closing strength
Pricing Rate competitiveness	Acceptable	Near industry average +5.1 bps above market avg
Pull Through Closing strength	Sound	Industry Standard Top 60% of lenders
By Loan Product· Specialization by type
Conventional	Acceptable	Near industry average Bottom 40% of lenders
VA	Strong	Highly Competitive Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase	Acceptable	Near industry average Bottom 40% of lenders
Refinance	Strong	Highly Competitive Top 40% of lenders
By Location· Geographic coverage
Geographic Reach Coverage footprint	Sound	Industry Standard Top 60% of lenders Near-National13 markets

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Acceptable	Acceptable	—	Acceptable	38	6.9%	+0.344%Above	$3,108Fees
VA Loans	Strong	Strong	Sound	Strong	516	93.1%	+0.030%Above	$3,050Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Acceptable	Acceptable	Sound	Acceptable	43	7.8%	-0.098%Below	$1,311Fees
Refinance	Sound	Strong	Acceptable	Sound	511	92.2%	+0.077%Above	$3,357Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

554

Applications

886

Volume

$187 million

Pricing & Closing

Avg Rate Spread

+0.051%

vs. market APOR

Avg Net Fees

$3,054

Origination − Credits

Pullthrough Rate

62.5%

Applications → Closed

Typical Borrower

Avg Loan Amount

$339,314

Avg Borrower Income

$99,856

Avg Property Value

$390,884

Geographic Coverage

Geographic Performance

Metro Areas

States Served

We count Washington DC as a state

Avg Place Specialization

Sound

States with Loan Originations

ALARAZCACOFLGAHIIDILINKYLAMDMIMTNCNENJNMNVOHOKORPASCTNTXVAWI

Top Metro Areas by Place Specialization Score

Las Vegas, NVMSA

Volume: 21Mix: 3.79%of portfolio

Place

Sound

Phoenix, AZMSA

Volume: 19Mix: 3.43%of portfolio

Place

Sound

Virginia Beach, VA-NCMSA

Volume: 15Mix: 2.71%of portfolio

Place

Sound

Arlington, VA-WVMSA

Volume: 15Mix: 2.71%of portfolio

Place

Sound

Nashville, TNMSA

Volume: 14Mix: 2.53%of portfolio

Place

Sound

Atlanta, GAMSA

Volume: 15Mix: 2.71%of portfolio

Place

Sound

Riverside, CAMSA

Volume: 13Mix: 2.35%of portfolio

Place

Sound

Baltimore, MDMSA

Volume: 12Mix: 2.17%of portfolio

Place

Sound

Cincinnati, OHMSA

Volume: 11Mix: 1.99%of portfolio

Place

Sound

Jacksonville, FL, FLMSA

Volume: 10Mix: 1.81%of portfolio

Place

Sound

Showing 10 of 12 metro areas

Top States by Place Specialization Score

GAState

Volume: 44Mix: 7.94%of portfolio

Place

Sound

FLState

Volume: 61Mix: 11.01%of portfolio

Place

Sound

VAState

Volume: 36Mix: 6.50%of portfolio

Place

Sound

AZState

Volume: 33Mix: 5.96%of portfolio

Place

Sound

NCState

Volume: 40Mix: 7.22%of portfolio

Place

Sound

SCState

Volume: 28Mix: 5.05%of portfolio

Place

Sound

NVState

Volume: 23Mix: 4.15%of portfolio

Place

Sound

TNState

Volume: 29Mix: 5.23%of portfolio

Place

Sound

CAState

Volume: 34Mix: 6.14%of portfolio

Place

Sound

MDState

Volume: 22Mix: 3.97%of portfolio

Place

Sound

Showing 10 of 21 states

How We Rank Lenders

Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.

Our Point System (Max 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

Product

Specialization in the loan type (33%)

💎

Champion(80%+ = 24-30 points)

⭐

Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.