Clearpath Lending in Arizona vs the state
2.8%Denial rate-13.41 pts vs state
3.7%Decision denial rate-16.67 pts vs state
72.5%Origination rate+13.06 pts vs state
5.75%Median rate-0.75 pts vs state
-0.76Rate spread (pts)-0.98 pts vs state
$77kMedian applicant income
103Loans originated
4Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 103 | 67 | 16.5% | 5.63% | #223 |
| 2024 | 118 | 90 | 3.4% | 5.69% | #220 |
| 2025 | 142 | 103 | 2.8% | 5.75% | #205 |
What Clearpath Lending lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most Clearpath Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Maricopa County | 56 | 39 | 1 | 1.8% |
| Pima County | 27 | 23 | 1 | 3.7% |
| Pinal County | 16 | 10 | 1 | 6.3% |
| Cochise County | 9 | 7 | 0 | 0.0% |
| Yuma County | 8 | 8 | 0 | 0.0% |
| Yavapai County | 8 | 7 | 0 | 0.0% |
| Mohave County | 8 | 4 | 0 | 0.0% |
| Coconino County | 3 | 2 | 0 | 0.0% |
| Santa Cruz County | 3 | 1 | 0 | 0.0% |
| Graham County | 2 | 1 | 1 | 50.0% |
Other large lenders in Arizona
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 25,383 | 10.2% | 6.25% |
| Rocket Mortgage | C | 17,947 | 15.6% | 6.75% |
| Desert Financial Credit Union | B | 16,970 | 24.3% | 6.49% |
| Crosscountry Mortgage | B | 7,570 | 3.8% | 6.58% |
| Fairway Independent Mortgage | B | 6,729 | 5.6% | 6.63% |
| Bank of America | F | 6,229 | 32.2% | 6.24% |
| Loandepot.Com | D | 6,180 | 16.1% | 5.99% |
| Pennymac Loan Services | C | 5,838 | 11.7% | 6.62% |
| Nova Financial & Investment | C | 5,380 | 16.2% | 6.49% |
| Freedom Mortgage | B | 4,991 | 7.0% | 6.00% |
Frequently asked questions
Arizona: 142 applications in 2025, of which 103 were originated and 4 denied.
2.8% of all applications, or 3.7% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans Clearpath Lending originated in Arizona in 2025 was 5.75%, against a statewide median of 6.50%.
About this data. Figures are Clearpath Lending's own HMDA filing for properties located in Arizona, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology