Clearpath Lending in Virginia vs the state
11.6%Denial rate-4.35 pts vs state
15.7%Decision denial rate-4.55 pts vs state
62.2%Origination rate+2.68 pts vs state
5.69%Median rate-0.94 pts vs state
-0.82Rate spread (pts)-1.04 pts vs state
$86kMedian applicant income
102Loans originated
19Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 105 | 69 | 10.5% | 5.63% | #258 |
| 2024 | 157 | 96 | 14.7% | 5.75% | #227 |
| 2025 | 164 | 102 | 11.6% | 5.69% | #228 |
What Clearpath Lending lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most Clearpath Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Virginia Beach city | 18 | 9 | 4 | 22.2% |
| Norfolk city | 15 | 7 | 0 | 0.0% |
| Chesterfield County | 14 | 9 | 2 | 14.3% |
| Newport News city | 12 | 5 | 3 | 25.0% |
| Hampton city | 10 | 7 | 1 | 10.0% |
| Henrico County | 8 | 5 | 0 | 0.0% |
| Chesapeake city | 8 | 5 | 1 | 12.5% |
| Suffolk city | 7 | 4 | 1 | 14.3% |
| Stafford County | 7 | 5 | 1 | 14.3% |
| Portsmouth city | 6 | 5 | 1 | 16.7% |
Other large lenders in Virginia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Navy Federal Credit Union | D | 19,395 | 19.3% | 7.75% |
| Rocket Mortgage | C | 19,274 | 14.8% | 6.63% |
| United Shore Financial Services | B | 13,994 | 10.4% | 6.12% |
| Truist Bank | C | 11,838 | 31.6% | 6.49% |
| Mortgage Research Center | C | 9,000 | 16.7% | 6.25% |
| Pennymac Loan Services | C | 8,334 | 10.7% | 6.38% |
| Freedom Mortgage | B | 8,029 | 6.5% | 6.25% |
| Bank of America | F | 6,584 | 31.9% | 6.24% |
| Newrez | D | 6,390 | 16.4% | 6.38% |
| Movement Mortgage | A | 6,126 | 4.3% | 6.56% |
Frequently asked questions
Virginia: 164 applications in 2025, of which 102 were originated and 19 denied.
11.6% of all applications, or 15.7% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans Clearpath Lending originated in Virginia in 2025 was 5.69%, against a statewide median of 6.63%.
About this data. Figures are Clearpath Lending's own HMDA filing for properties located in Virginia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology