Clearpath Lending
We analyzed every closed loan from Clearpath Lending — 554 loans across 886 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
Conventional · VA
Place
Sound
3/5
Near-National · 12 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
VA
Superstar
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
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+5.1 bps above market avg
2/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
38 loans · 0.34% above market
Acceptable
Bottom 40% of lenders
2/5
VA
516 loans · 0.03% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
43 loans · 0.10% below market
Acceptable
Bottom 40% of lenders
2/5
Refinance
511 loans · 0.08% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Near-National · 13 markets
Sound
Top 60% of lenders
3/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | — | 38 | 6.9% | +0.344%Above | $3,108Fees | |||
VA Loans | 516 | 93.1% | +0.030%Above | $3,050Fees |
Conventional
OverallAcceptable
ProductAcceptable
Pricing—
Pull ThroughAcceptable
Volume38
Mix6.9%
Spread
+0.344%Above
Fees
$3,108Fees
VA Loans
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume516
Mix93.1%
Spread
+0.030%Above
Fees
$3,050Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 43 | 7.8% | -0.098%Below | $1,311Fees | ||||
Refinance | 511 | 92.2% | +0.077%Above | $3,357Fees |
Purchase
OverallAcceptable
ProductAcceptable
PricingSound
Pull ThroughAcceptable
Volume43
Mix7.8%
Spread
-0.098%Below
Fees
$1,311Fees
Refinance
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume511
Mix92.2%
Spread
+0.077%Above
Fees
$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
12
markets with activity
States Served
30
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
30Full-year 2024 · HMDALoans originated
< 1010–2020–5050+None
Northeast2
NJPA
Midwest6
ILINMINEOHWI
South13
ALARFLGAKYLAMDNCOKSCTNTXVA
West9
AZCACOHIIDMTNMNVOR
Top Metro Areas by Place Specialization Score
Showing 10 of 12 metro areas
Top States by Place Specialization Score
Showing 10 of 21 states
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 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 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
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.