Clearpath Lending in North Carolina vs the state
9.0%Denial rate-9.06 pts vs state
11.9%Decision denial rate-10.94 pts vs state
66.8%Origination rate+9.01 pts vs state
5.63%Median rate-0.88 pts vs state
-0.74Rate spread (pts)-0.83 pts vs state
$78kMedian applicant income
141Loans originated
19Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 158 | 95 | 17.1% | 5.63% | #224 |
| 2024 | 190 | 116 | 10.0% | 5.75% | #217 |
| 2025 | 211 | 141 | 9.0% | 5.63% | #226 |
What Clearpath Lending lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most Clearpath Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cumberland County | 27 | 20 | 1 | 3.7% |
| Onslow County | 16 | 11 | 1 | 6.3% |
| Mecklenburg County | 12 | 8 | 1 | 8.3% |
| Wake County | 10 | 7 | 0 | 0.0% |
| Gaston County | 9 | 6 | 2 | 22.2% |
| Cleveland County | 9 | 5 | 3 | 33.3% |
| Harnett County | 9 | 7 | 0 | 0.0% |
| Hoke County | 7 | 3 | 2 | 28.6% |
| Union County | 7 | 3 | 1 | 14.3% |
| Guilford County | 6 | 2 | 0 | 0.0% |
Other large lenders in North Carolina
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| State Employees' | C | 47,893 | 25.2% | 6.25% |
| Rocket Mortgage | C | 25,109 | 16.0% | 6.63% |
| United Shore Financial Services | B | 18,884 | 11.4% | 6.13% |
| Vanderbilt Mortgage and Finance | F | 15,008 | 38.0% | 7.75% |
| Truist Bank | C | 14,364 | 30.3% | 6.50% |
| Movement Mortgage | A | 11,091 | 2.6% | 6.63% |
| Navy Federal Credit Union | D | 10,565 | 19.4% | 7.13% |
| First-Citizens Bank & Trust | B | 10,319 | 19.6% | 6.38% |
| Bank of America | F | 10,276 | 28.2% | 6.24% |
| Mortgage Research Center | C | 10,029 | 17.7% | 6.25% |
Frequently asked questions
North Carolina: 211 applications in 2025, of which 141 were originated and 19 denied.
9.0% of all applications, or 11.9% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Clearpath Lending originated in North Carolina in 2025 was 5.63%, against a statewide median of 6.50%.
About this data. Figures are Clearpath Lending's own HMDA filing for properties located in North Carolina, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology