Clearpath Lending in Georgia vs the state
7.5%Denial rate-11.74 pts vs state
9.4%Decision denial rate-15.67 pts vs state
72.1%Origination rate+18.02 pts vs state
5.75%Median rate-0.88 pts vs state
-0.70Rate spread (pts)-0.97 pts vs state
$84kMedian applicant income
106Loans originated
11Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 132 | 75 | 19.7% | 5.63% | #273 |
| 2024 | 196 | 124 | 12.8% | 5.75% | #234 |
| 2025 | 147 | 106 | 7.5% | 5.75% | #287 |
What Clearpath Lending lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Clearpath Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Houston County | 12 | 8 | 1 | 8.3% |
| Columbia County | 9 | 7 | 0 | 0.0% |
| Gwinnett County | 7 | 6 | 1 | 14.3% |
| Muscogee County | 7 | 6 | 0 | 0.0% |
| Richmond County | 7 | 5 | 0 | 0.0% |
| Fulton County | 6 | 4 | 1 | 16.7% |
| Douglas County | 6 | 2 | 1 | 16.7% |
| Henry County | 6 | 5 | 1 | 16.7% |
| Paulding County | 6 | 4 | 0 | 0.0% |
| Liberty County | 6 | 3 | 1 | 16.7% |
Other large lenders in Georgia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 29,845 | 18.2% | 6.63% |
| United Shore Financial Services | B | 23,784 | 12.6% | 6.25% |
| Navy Federal Credit Union | D | 12,388 | 26.4% | 7.95% |
| Truist Bank | C | 10,563 | 38.7% | 6.49% |
| Pennymac Loan Services | C | 10,273 | 11.6% | 6.49% |
| Broker Solutions | D | 9,709 | 8.6% | 6.63% |
| Mortgage Research Center | C | 9,443 | 19.8% | 6.25% |
| Freedom Mortgage | B | 9,293 | 9.1% | 6.25% |
| Bank of America | F | 9,168 | 36.5% | 6.24% |
| Ameris Bank | B | 8,065 | 10.1% | 6.50% |
Frequently asked questions
Georgia: 147 applications in 2025, of which 106 were originated and 11 denied.
7.5% of all applications, or 9.4% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Clearpath Lending originated in Georgia 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 Georgia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology