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CLEARPATH LENDING
Independent Mortgage Company|IRVINE, CA|Near-National
Loans Originated
554
Applications
886
Volume
$187 million
Offers loans directly to consumers
Overall Pricing
Acceptable
Overall Pull Through
Sound
Safe Rate Awards⭐VA Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.051%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$3,054
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
62.5%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Nationwide availability with consistent service
Things to Think About
- Pricing may be below industry average
Report Card
CLEARPATH LENDING performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Acceptable | Near industry average | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Acceptable | Near industry average | |
VA | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Acceptable | Near industry average | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Sound | Near-National · 13 metro areas · 30 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$339,314
Average Borrower Income
$99,856
Average Property Value
$390,884
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Acceptable | Acceptable | N/A | Acceptable | 38 | 6.9% | +0.344% | $3,108 |
VA Loans | Strong | Strong | Sound | Strong | 516 | 93.1% | +0.030% | $3,050 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Acceptable | Acceptable | Sound | Acceptable | 43 | 7.8% | -0.098% | $1,311 |
Refinance | Sound | Strong | Acceptable | Sound | 511 | 92.2% | +0.077% | $3,357 |
Geographic Coverage
Metro Areas
12
States Served
30
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
ALARAZCACOFLGAHIIDILINKYLAMDMIMTNCNENJNMNVOHOKORPASCTNTXVAWI
Top Metro Areas by Place Specialization Score
1
Las Vegas, NVMSA
Volume: 21Mix: 3.79%
Place Specialization
Sound
2
Phoenix, AZMSA
Volume: 19Mix: 3.43%
Place Specialization
Sound
3
Virginia Beach, VA-NCMSA
Volume: 15Mix: 2.71%
Place Specialization
Sound
4
Arlington, VA-WVMSA
Volume: 15Mix: 2.71%
Place Specialization
Sound
5
Nashville, TNMSA
Volume: 14Mix: 2.53%
Place Specialization
Sound
6
Atlanta, GAMSA
Volume: 15Mix: 2.71%
Place Specialization
Sound
7
Riverside, CAMSA
Volume: 13Mix: 2.35%
Place Specialization
Sound
8
Baltimore, MDMSA
Volume: 12Mix: 2.17%
Place Specialization
Sound
9
Cincinnati, OHMSA
Volume: 11Mix: 1.99%
Place Specialization
Sound
10
Jacksonville, FL, FLMSA
Volume: 10Mix: 1.81%
Place Specialization
Sound
Showing 10 of 12 metro areas
Top States by Place Specialization Score
1
GAState
Volume: 44Mix: 7.94%
Place Specialization
Sound
2
FLState
Volume: 61Mix: 11.01%
Place Specialization
Sound
3
VAState
Volume: 36Mix: 6.50%
Place Specialization
Sound
4
AZState
Volume: 33Mix: 5.96%
Place Specialization
Sound
5
NCState
Volume: 40Mix: 7.22%
Place Specialization
Sound
6
SCState
Volume: 28Mix: 5.05%
Place Specialization
Sound
7
NVState
Volume: 23Mix: 4.15%
Place Specialization
Sound
8
TNState
Volume: 29Mix: 5.23%
Place Specialization
Sound
9
CAState
Volume: 34Mix: 6.14%
Place Specialization
Sound
10
MDState
Volume: 22Mix: 3.97%
Place Specialization
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)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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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