Clearpath Lending in Texas vs the state
6.6%Denial rate-12.81 pts vs state
8.9%Decision denial rate-16.03 pts vs state
68.0%Origination rate+13.13 pts vs state
5.63%Median rate-0.88 pts vs state
-0.80Rate spread (pts)-0.99 pts vs state
$153kMedian applicant income
185Loans originated
18Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 38 | 22 | 21.1% | 6.06% | #767 |
| 2024 | 145 | 84 | 20.7% | 5.63% | #469 |
| 2025 | 272 | 185 | 6.6% | 5.63% | #357 |
What Clearpath Lending lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Clearpath Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bexar County | 37 | 29 | 2 | 5.4% |
| El Paso County | 26 | 14 | 1 | 3.8% |
| Bell County | 25 | 15 | 3 | 12.0% |
| Montgomery County | 15 | 11 | 0 | 0.0% |
| Harris County | 14 | 8 | 3 | 21.4% |
| Tarrant County | 14 | 10 | 2 | 14.3% |
| Denton County | 8 | 6 | 0 | 0.0% |
| Johnson County | 7 | 5 | 1 | 14.3% |
| Taylor County | 6 | 4 | 0 | 0.0% |
| Hidalgo County | 6 | 4 | 0 | 0.0% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 272 applications in 2025, of which 185 were originated and 18 denied.
6.6% of all applications, or 8.9% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Clearpath Lending originated in Texas 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 Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology