Clearpath Lending in Maryland vs the state
6.5%Denial rate-12.35 pts vs state
9.2%Decision denial rate-14.90 pts vs state
63.4%Origination rate+7.73 pts vs state
5.75%Median rate-0.88 pts vs state
-0.83Rate spread (pts)-1.08 pts vs state
$138kMedian applicant income
59Loans originated
6Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 48 | 33 | 14.6% | 5.63% | #297 |
| 2024 | 75 | 54 | 9.3% | 5.75% | #255 |
| 2025 | 93 | 59 | 6.5% | 5.75% | #240 |
What Clearpath Lending lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most Clearpath Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Prince George's County | 20 | 10 | 3 | 15.0% |
| Anne Arundel County | 12 | 6 | 0 | 0.0% |
| Charles County | 10 | 9 | 1 | 10.0% |
| Baltimore County | 9 | 7 | 0 | 0.0% |
| Harford County | 7 | 5 | 0 | 0.0% |
| Montgomery County | 6 | 3 | 0 | 0.0% |
| Baltimore city | 6 | 3 | 1 | 16.7% |
| Calvert County | 5 | 4 | 0 | 0.0% |
| Howard County | 4 | 3 | 0 | 0.0% |
| St. Mary's County | 3 | 0 | 1 | 33.3% |
Other large lenders in Maryland
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 12,806 | 16.8% | 6.63% |
| Navy Federal Credit Union | D | 11,436 | 23.0% | 8.00% |
| United Shore Financial Services | B | 9,307 | 16.0% | 6.13% |
| Truist Bank | C | 6,559 | 34.9% | 6.49% |
| Bank of America | F | 6,051 | 35.8% | 6.24% |
| Newrez | D | 5,739 | 21.0% | 6.63% |
| State Employees Credit Union of Maryland | D | 5,624 | 44.6% | 6.25% |
| PNC Bank | D | 5,582 | 28.0% | 7.41% |
| Manufacturers and Traders Trust | C | 5,497 | 32.0% | 5.99% |
| Pennymac Loan Services | C | 5,411 | 12.4% | 6.49% |
Frequently asked questions
Maryland: 93 applications in 2025, of which 59 were originated and 6 denied.
6.5% of all applications, or 9.2% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans Clearpath Lending originated in Maryland 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 Maryland, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology