Clearpath Lending in New Jersey vs the state
7.7%Denial rate-10.00 pts vs state
12.1%Decision denial rate-10.93 pts vs state
55.8%Origination rate+0.09 pts vs state
5.63%Median rate-1.13 pts vs state
-0.77Rate spread (pts)-1.05 pts vs state
$84kMedian applicant income
29Loans originated
4Denied
Trend in New Jersey
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 27 | 14 | 18.5% | 5.93% | #412 |
| 2024 | 49 | 30 | 6.1% | 5.75% | #340 |
| 2025 | 52 | 29 | 7.7% | 5.63% | #350 |
What Clearpath Lending lends in New Jersey
By loan purpose
By loan type
Why it denied New Jersey applicants
Where in New Jersey
Counties with the most Clearpath Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Burlington County | 11 | 7 | 1 | 9.1% |
| Camden County | 10 | 8 | 0 | 0.0% |
| Bergen County | 4 | 0 | 1 | 25.0% |
| Monmouth County | 4 | 3 | 0 | 0.0% |
| Union County | 3 | 0 | 0 | 0.0% |
| Cumberland County | 3 | 2 | 0 | 0.0% |
| Sussex County | 3 | 3 | 0 | 0.0% |
| Middlesex County | 3 | 2 | 0 | 0.0% |
| Warren County | 2 | 0 | 0 | 0.0% |
| Essex County | 2 | 1 | 0 | 0.0% |
Other large lenders in New Jersey
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 16,339 | 16.1% | 6.75% |
| TD Bank | D | 12,532 | 26.2% | 7.49% |
| Bank of America | F | 12,142 | 30.6% | 6.00% |
| Citizens Bank | C | 12,113 | 28.9% | 7.40% |
| Crosscountry Mortgage | B | 12,042 | 5.3% | 6.75% |
| PNC Bank | D | 10,815 | 27.8% | 7.75% |
| United Shore Financial Services | B | 10,552 | 15.3% | 6.38% |
| Guaranteed Rate | B | 8,643 | 5.5% | 6.58% |
| Newrez | D | 6,535 | 22.5% | 6.99% |
| Loandepot.Com | D | 6,491 | 15.3% | 6.63% |
Frequently asked questions
New Jersey: 52 applications in 2025, of which 29 were originated and 4 denied.
7.7% of all applications, or 12.1% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
The median rate on loans Clearpath Lending originated in New Jersey in 2025 was 5.63%, against a statewide median of 6.75%.
About this data. Figures are Clearpath Lending's own HMDA filing for properties located in New Jersey, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology