Clearpath Lending in Pennsylvania vs the state
7.4%Denial rate-10.88 pts vs state
10.9%Decision denial rate-11.30 pts vs state
60.5%Origination rate-0.47 pts vs state
5.63%Median rate-1.00 pts vs state
-0.81Rate spread (pts)-1.05 pts vs state
$84kMedian applicant income
49Loans originated
6Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 58 | 30 | 24.1% | 5.63% | #454 |
| 2024 | 59 | 36 | 13.6% | 5.75% | #451 |
| 2025 | 81 | 49 | 7.4% | 5.63% | #405 |
What Clearpath Lending lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Clearpath Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| York County | 8 | 3 | 3 | 37.5% |
| Monroe County | 6 | 2 | 0 | 0.0% |
| Philadelphia County | 5 | 3 | 1 | 20.0% |
| Lehigh County | 5 | 4 | 0 | 0.0% |
| Delaware County | 4 | 2 | 0 | 0.0% |
| Westmoreland County | 4 | 2 | 0 | 0.0% |
| Lancaster County | 3 | 2 | 1 | 33.3% |
| Carbon County | 3 | 3 | 0 | 0.0% |
| Luzerne County | 3 | 3 | 0 | 0.0% |
| Clearfield County | 3 | 1 | 0 | 0.0% |
Other large lenders in Pennsylvania
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 22,411 | 18.6% | 6.75% |
| Citizens Bank | C | 18,256 | 28.1% | 7.65% |
| PNC Bank | D | 18,031 | 20.6% | 6.88% |
| United Shore Financial Services | B | 13,178 | 13.4% | 6.47% |
| Crosscountry Mortgage | B | 11,615 | 3.3% | 6.63% |
| Members 1st | B | 10,863 | 30.9% | 1.99% |
| First National Bank of Pennsylvania | B | 9,542 | 27.8% | 6.49% |
| Police & Fire | C | 8,460 | 34.6% | 6.25% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | C | 8,308 | 13.7% | 6.64% |
| Pennymac Loan Services | C | 7,900 | 12.6% | 6.50% |
Frequently asked questions
Pennsylvania: 81 applications in 2025, of which 49 were originated and 6 denied.
7.4% of all applications, or 10.9% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Clearpath Lending originated in Pennsylvania in 2025 was 5.63%, against a statewide median of 6.63%.
About this data. Figures are Clearpath Lending's own HMDA filing for properties located in Pennsylvania, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology