Clearpath Lending in Florida vs the state
10.1%Denial rate-10.93 pts vs state
13.7%Decision denial rate-13.53 pts vs state
63.7%Origination rate+11.02 pts vs state
5.75%Median rate-0.88 pts vs state
-0.80Rate spread (pts)-1.07 pts vs state
$98kMedian applicant income
151Loans originated
24Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 183 | 112 | 14.2% | 5.56% | #399 |
| 2024 | 210 | 122 | 17.6% | 5.75% | #372 |
| 2025 | 237 | 151 | 10.1% | 5.75% | #346 |
What Clearpath Lending lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Clearpath Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Duval County | 18 | 15 | 1 | 5.6% |
| Hillsborough County | 16 | 9 | 1 | 6.3% |
| Volusia County | 15 | 8 | 3 | 20.0% |
| Pasco County | 14 | 11 | 1 | 7.1% |
| Clay County | 12 | 8 | 3 | 25.0% |
| Marion County | 9 | 6 | 0 | 0.0% |
| Polk County | 9 | 7 | 1 | 11.1% |
| Lake County | 8 | 5 | 0 | 0.0% |
| Palm Beach County | 8 | 6 | 1 | 12.5% |
| Orange County | 8 | 7 | 0 | 0.0% |
Other large lenders in Florida
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 71,405 | 15.3% | 6.44% |
| Rocket Mortgage | C | 46,611 | 21.0% | 6.63% |
| Bank of America | F | 23,634 | 37.7% | 6.24% |
| Pennymac Loan Services | C | 19,516 | 14.1% | 6.50% |
| Navy Federal Credit Union | D | 19,452 | 23.2% | 7.59% |
| Crosscountry Mortgage | B | 19,103 | 5.2% | 6.75% |
| Newrez | D | 17,519 | 22.4% | 6.75% |
| Dhi Mortgage Company | B | 16,661 | 14.5% | 4.88% |
| Lennar Mortgage | A | 14,984 | 21.0% | 4.75% |
| Truist Bank | C | 14,140 | 41.5% | 6.60% |
Frequently asked questions
Florida: 237 applications in 2025, of which 151 were originated and 24 denied.
10.1% of all applications, or 13.7% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Clearpath Lending originated in Florida 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 Florida, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology