Clearpath Lending in California vs the state
9.6%Denial rate-7.83 pts vs state
12.4%Decision denial rate-10.01 pts vs state
67.8%Origination rate+11.61 pts vs state
5.75%Median rate-0.88 pts vs state
-0.81Rate spread (pts)-1.08 pts vs state
$108kMedian applicant income
99Loans originated
14Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 132 | 85 | 13.6% | 5.63% | #392 |
| 2024 | 141 | 84 | 19.9% | 5.75% | #393 |
| 2025 | 146 | 99 | 9.6% | 5.75% | #395 |
What Clearpath Lending lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Clearpath Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| San Bernardino County | 21 | 14 | 1 | 4.8% |
| Riverside County | 19 | 15 | 2 | 10.5% |
| San Diego County | 18 | 9 | 2 | 11.1% |
| Los Angeles County | 12 | 10 | 0 | 0.0% |
| Sacramento County | 10 | 7 | 0 | 0.0% |
| Kern County | 10 | 7 | 1 | 10.0% |
| Fresno County | 7 | 3 | 2 | 28.6% |
| San Joaquin County | 7 | 6 | 0 | 0.0% |
| Shasta County | 6 | 6 | 0 | 0.0% |
| Merced County | 4 | 2 | 1 | 25.0% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 146 applications in 2025, of which 99 were originated and 14 denied.
9.6% of all applications, or 12.4% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Clearpath Lending originated in California in 2025 was 5.75%, against a statewide median of 6.63%.
About this data. Figures are Clearpath Lending's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology