Clearpath Lending Mortgage Lending & HMDA Data, 2016

In 2016, Clearpath Lending of Irvine, CA reported 5,207 mortgage applications totaling $1.3 billion. The average application was for $253,644, and applicants reported an average income of $6,146. 85% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Phoenix-Mesa-Scottsdale, AZ (449), Riverside-San Bernardino-Ontario, CA (255) and Washington-Arlington-Alexandria, DC-VA-MD-WV (224) (applications in parentheses).

Mortgage Company & Address Clearpath Lending
15615 Alton Parkway Suite 300
Irvine, CA 92618
Tel #: available with data download
Federal Regulator * available with data download
Years 2025  2024  2023  2022  2021  2020  2019  2018  2017  2016  
Total Number of Mortgage Applications 5,207
Total Mortgage Loan Application Amount $1,320,727,000
Average Mortgage Loan Application Amount $253,644
Highest Mortgage Loan Application Amount $1,484,000
Average Applicant Income $6,146
Highest Applicant Income $5,700,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Clearpath Lending filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

Mortgage Loan Application Totals for Clearpath Lending by Metropolitan Area in 2016

Metro Area Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Application Amount Average Applicant Income
Phoenix-Mesa-Scottsdale, AZ 449 $ 103,042,000 $ 229,492 $ 18,000
Riverside-San Bernardino-Ontario, CA 255 $ 75,934,000 $ 297,780 $ 7,000
Washington-Arlington-Alexandria, DC-VA-MD-WV 224 $ 80,986,000 $ 361,544 $ 5,383
San Antonio-New Braunfels, TX 173 $ 38,369,000 $ 221,786 $ 1,000
Dallas-Plano-Irving, TX 157 $ 35,756,000 $ 227,745 $ 2,000
San Diego-Carlsbad, CA 150 $ 64,708,000 $ 431,386 $ 11,000
Los Angeles-Long Beach-Glendale, CA 142 $ 53,238,000 $ 374,915 $ 11,000
Baltimore-Columbia-Towson, MD 127 $ 39,478,000 $ 310,850 $ 5,000
Houston-The Woodlands-Sugar Land, TX 116 $ 25,314,000 $ 218,224 $ 0
Sacramento--Roseville--Arden-Arcade, CA 116 $ 35,214,000 $ 303,568 $ 6,000
Nashville-Davidson--Murfreesboro--Franklin, TN 114 $ 24,542,000 $ 215,280 $ 6,000
Virginia Beach-Norfolk-Newport News, VA-NC 112 $ 28,488,000 $ 254,357 $ 1,000
Fort Worth-Arlington, TX 86 $ 18,040,000 $ 209,767 $ 0
Denver-Aurora-Lakewood, CO 83 $ 22,306,000 $ 268,746 $ 8,000
Killeen-Temple, TX 82 $ 15,147,000 $ 184,719 $ 0
Tucson, AZ 79 $ 15,761,000 $ 199,506 $ 1,000
Columbus, OH 70 $ 13,589,000 $ 194,128 $ 3,000
Warren-Troy-Farmington Hills, MI 68 $ 13,226,000 $ 194,500 $ 4,000
Clarksville, TN-KY 65 $ 12,388,000 $ 190,584 $ 1,000
Anaheim-Santa Ana-Irvine, CA 61 $ 30,300,000 $ 496,721 $ 19,000
New Orleans-Metairie, LA 59 $ 12,452,000 $ 211,050 $ 5,000
Stockton-Lodi, CA 59 $ 17,033,000 $ 288,694 $ 7,000
Omaha-Council Bluffs, NE-IA 58 $ 10,686,000 $ 184,241 $ 0
Bakersfield, CA 56 $ 11,935,000 $ 213,125 $ 4,000
Austin-Round Rock, TX 54 $ 12,701,000 $ 235,203 $ 0
Oakland-Hayward-Berkeley, CA 52 $ 22,586,000 $ 434,346 $ 27,000
Colorado Springs, CO 50 $ 12,006,000 $ 240,120 $ 5,000
Cincinnati, OH-KY-IN 47 $ 8,489,000 $ 180,617 $ 1,000
El Paso, TX 47 $ 8,975,000 $ 190,957 $ 0
Albuquerque, NM 44 $ 8,259,000 $ 187,704 $ 0
Montgomery County-Bucks County-Chester County, PA 42 $ 11,464,000 $ 272,952 $ 51,000
Memphis, TN-MS-AR 40 $ 7,350,000 $ 183,750 $ 4,000
Cleveland-Elyria, OH 39 $ 7,420,000 $ 190,256 $ 1,000
Richmond, VA 39 $ 9,892,000 $ 253,641 $ 7,000
Fresno, CA 38 $ 8,724,000 $ 229,578 $ 4,000
Silver Spring-Frederick-Rockville, MD 37 $ 15,296,000 $ 413,405 $ 18,000
Pittsburgh, PA 33 $ 6,091,000 $ 184,575 $ 0
York-Hanover, PA 33 $ 7,328,000 $ 222,060 $ 0
Knoxville, TN 31 $ 6,648,000 $ 214,451 $ 13,000
Birmingham-Hoover, AL 30 $ 6,068,000 $ 202,266 $ 0
Oxnard-Thousand Oaks-Ventura, CA 30 $ 13,016,000 $ 433,866 $ 20,000
Vallejo-Fairfield, CA 30 $ 9,243,000 $ 308,100 $ 8,000
Shreveport-Bossier City, LA 28 $ 6,460,000 $ 230,714 $ 0
Grand Rapids-Wyoming, MI 27 $ 4,612,000 $ 170,814 $ 6,000
Philadelphia, PA 26 $ 4,806,000 $ 184,846 $ 0
Prescott, AZ 25 $ 5,145,000 $ 205,800 $ 1,000
Atlanta-Sandy Springs-Roswell, GA 24 $ 4,270,000 $ 177,916 $ 0
Dayton, OH 23 $ 4,560,000 $ 198,260 $ 0
Harrisburg-Carlisle, PA 23 $ 4,647,000 $ 202,043 $ 9,000
Modesto, CA 22 $ 6,051,000 $ 275,045 $ 8,000
Baton Rouge, LA 21 $ 4,454,000 $ 212,095 $ 0
Hanford-Corcoran, CA 21 $ 4,199,000 $ 199,952 $ 8,000
San Jose-Sunnyvale-Santa Clara, CA 21 $ 11,274,000 $ 536,857 $ 28,000
Visalia-Porterville, CA 21 $ 4,098,000 $ 195,142 $ 11,000
Lake Havasu City-Kingman, AZ 19 $ 3,671,000 $ 193,210 $ 0
Santa Maria-Santa Barbara, CA 19 $ 7,346,000 $ 386,631 $ 2,000
Yuma, AZ 19 $ 3,433,000 $ 180,684 $ 4,000
Chattanooga, TN-GA 18 $ 3,459,000 $ 192,166 $ 0
Lansing-East Lansing, MI 18 $ 2,700,000 $ 150,000 $ 0
Wilmington, DE-MD-NJ 18 $ 3,736,000 $ 207,555 $ 6,666
Yuba City, CA 18 $ 3,673,000 $ 204,055 $ 3,000
Sierra Vista-Douglas, AZ 17 $ 3,405,000 $ 200,294 $ 0
Greeley, CO 16 $ 3,839,000 $ 239,937 $ 6,000
Lake Charles, LA 16 $ 3,694,000 $ 230,875 $ 0
Salinas, CA 16 $ 7,500,000 $ 468,750 $ 15,000
Salisbury, MD-DE 16 $ 3,414,000 $ 213,375 $ 0
Redding, CA 15 $ 2,874,000 $ 191,600 $ 2,000
Alexandria, LA 14 $ 2,248,000 $ 160,571 $ 2,000
Mobile, AL 14 $ 2,394,000 $ 171,000 $ 0
Akron, OH 13 $ 2,306,000 $ 177,384 $ 0
Allentown-Bethlehem-Easton, PA-NJ 13 $ 2,170,000 $ 166,923 $ 0
Chambersburg-Waynesboro, PA 13 $ 2,787,000 $ 214,384 $ 0
Detroit-Dearborn-Livonia, MI 13 $ 2,010,000 $ 154,615 $ 0
Lancaster, PA 13 $ 2,706,000 $ 208,153 $ 4,000
Lebanon, PA 13 $ 2,252,000 $ 173,230 $ 0
Merced, CA 13 $ 3,477,000 $ 267,461 $ 7,000
Chico, CA 11 $ 2,225,000 $ 202,272 $ 3,000
Gettysburg, PA 11 $ 2,493,000 $ 226,636 $ 0
McAllen-Edinburg-Mission, TX 11 $ 2,218,000 $ 201,636 $ 0
San Luis Obispo-Paso Robles-Arroyo Grande, CA 11 $ 5,217,000 $ 474,272 $ 0
Daphne-Fairhope-Foley, AL 10 $ 1,652,000 $ 165,200 $ 0
El Centro, CA 10 $ 2,381,000 $ 238,100 $ 21,000
Flint, MI 10 $ 1,450,000 $ 145,000 $ 0
Las Cruces, NM 10 $ 1,665,000 $ 166,500 $ 21,000
Toledo, OH 10 $ 1,761,000 $ 176,100 $ 0
Youngstown-Warren-Boardman, OH-PA 10 $ 2,027,000 $ 202,700 $ 0
Ann Arbor, MI 9 $ 2,414,000 $ 268,222 $ 0
Corpus Christi, TX 9 $ 1,455,000 $ 161,666 $ 0
Erie, PA 9 $ 1,525,000 $ 169,444 $ 0
Lafayette, LA 9 $ 1,570,000 $ 174,444 $ 0
Pueblo, CO 9 $ 1,759,000 $ 195,444 $ 6,000
Roanoke, VA 9 $ 1,569,000 $ 174,333 $ 5,000
San Francisco-Redwood City-South San Francisco, CA 9 $ 5,295,000 $ 588,333 $ 0
Scranton--Wilkes-Barre--Hazleton, PA 9 $ 1,497,000 $ 166,333 $ 0
Hagerstown-Martinsburg, MD-WV 8 $ 1,359,000 $ 169,875 $ 0
Huntsville, AL 8 $ 1,401,000 $ 175,125 $ 0
Madera, CA 8 $ 1,581,000 $ 197,625 $ 8,000
Altoona, PA 7 $ 1,121,000 $ 160,142 $ 0
Amarillo, TX 7 $ 1,225,000 $ 175,000 $ 0
Hammond, LA 7 $ 1,406,000 $ 200,857 $ 0
Kalamazoo-Portage, MI 7 $ 1,358,000 $ 194,000 $ 0
Lincoln, NE 7 $ 2,360,000 $ 337,142 $ 0
Santa Cruz-Watsonville, CA 7 $ 3,413,000 $ 487,571 $ 10,000
Santa Rosa, CA 7 $ 3,331,000 $ 475,857 $ 0
State College, PA 7 $ 1,344,000 $ 192,000 $ 15,000
Augusta-Richmond County, GA-SC 6 $ 1,093,000 $ 182,166 $ 0
Battle Creek, MI 6 $ 1,026,000 $ 171,000 $ 0
Dover, DE 6 $ 1,147,000 $ 191,166 $ 0
Fort Collins, CO 6 $ 1,227,000 $ 204,500 $ 18,000
Jackson, MI 6 $ 1,053,000 $ 175,500 $ 0
Johnson City, TN 6 $ 1,224,000 $ 204,000 $ 0
Monroe, MI 6 $ 930,000 $ 155,000 $ 0
Montgomery, AL 6 $ 1,175,000 $ 195,833 $ 0
Waco, TX 6 $ 1,227,000 $ 204,500 $ 0
Canton-Massillon, OH 5 $ 890,000 $ 178,000 $ 0
Cleveland, TN 5 $ 840,000 $ 168,000 $ 0
Grand Junction, CO 5 $ 1,010,000 $ 202,000 $ 0
Kingsport-Bristol-Bristol, TN-VA 5 $ 894,000 $ 178,800 $ 0
Longview, TX 5 $ 1,015,000 $ 203,000 $ 0
Lynchburg, VA 5 $ 1,055,000 $ 211,000 $ 0
Monroe, LA 5 $ 826,000 $ 165,200 $ 11,000
Morristown, TN 5 $ 756,000 $ 151,200 $ 0
Niles-Benton Harbor, MI 5 $ 1,197,000 $ 239,400 $ 0
Santa Fe, NM 5 $ 902,000 $ 180,400 $ 0
Wichita Falls, TX 5 $ 793,000 $ 158,600 $ 0
Winchester, VA-WV 5 $ 1,424,000 $ 284,800 $ 0
East Stroudsburg, PA 4 $ 915,000 $ 228,750 $ 0
Flagstaff, AZ 4 $ 825,000 $ 206,250 $ 0
Lubbock, TX 4 $ 780,000 $ 195,000 $ 0
Midland, TX 4 $ 786,000 $ 196,500 $ 0
Minneapolis-St. Paul-Bloomington, MN-WI 4 $ 799,000 $ 199,750 $ 0
Muskegon, MI 4 $ 597,000 $ 149,250 $ 0
Napa, CA 4 $ 1,930,000 $ 482,500 $ 0
Staunton-Waynesboro, VA 4 $ 844,000 $ 211,000 $ 0
Urban Honolulu, HI 4 $ 1,636,000 $ 409,000 $ 0
Boulder, CO 3 $ 939,000 $ 313,000 $ 0
California-Lexington Park, MD 3 $ 986,000 $ 328,666 $ 0
Charlottesville, VA 3 $ 636,000 $ 212,000 $ 0
Hinesville, GA 3 $ 410,000 $ 136,666 $ 0
Laredo, TX 3 $ 753,000 $ 251,000 $ 0
Odessa, TX 3 $ 540,000 $ 180,000 $ 0
Saginaw, MI 3 $ 435,000 $ 145,000 $ 0
Springfield, OH 3 $ 539,000 $ 179,666 $ 0
Texarkana, TX-AR 3 $ 434,000 $ 144,666 $ 0
Abilene, TX 2 $ 329,000 $ 164,500 $ 0
Brownsville-Harlingen, TX 2 $ 258,000 $ 129,000 $ 0
College Station-Bryan, TX 2 $ 347,000 $ 173,500 $ 0
Columbus, GA-AL 2 $ 704,000 $ 352,000 $ 0
Jackson, TN 2 $ 460,000 $ 230,000 $ 0
Newark, NJ-PA 2 $ 315,000 $ 157,500 $ 33,000
Sherman-Denison, TX 2 $ 305,000 $ 152,500 $ 0
Sioux City, IA-NE-SD 2 $ 232,000 $ 116,000 $ 0
South Bend-Mishawaka, IN-MI 2 $ 586,000 $ 293,000 $ 0
Victoria, TX 2 $ 353,000 $ 176,500 $ 0
Athens-Clarke County, GA 1 $ 116,000 $ 116,000 $ 0
Bay City, MI 1 $ 194,000 $ 194,000 $ 0
Bloomsburg-Berwick, PA 1 $ 137,000 $ 137,000 $ 0
Decatur, AL 1 $ 137,000 $ 137,000 $ 0
Dothan, AL 1 $ 187,000 $ 187,000 $ 0
Farmington, NM 1 $ 229,000 $ 229,000 $ 0
Gainesville, GA 1 $ 236,000 $ 236,000 $ 0
Great Falls, MT 1 $ 179,000 $ 179,000 $ 0
Houma-Thibodaux, LA 1 $ 149,000 $ 149,000 $ 0
Las Vegas-Henderson-Paradise, NV 1 $ 123,000 $ 123,000 $ 0
Macon, GA 1 $ 150,000 $ 150,000 $ 0
Mansfield, OH 1 $ 219,000 $ 219,000 $ 0
Midland, MI 1 $ 157,000 $ 157,000 $ 0
Reading, PA 1 $ 165,000 $ 165,000 $ 0
Rome, GA 1 $ 112,000 $ 112,000 $ 0
San Angelo, TX 1 $ 288,000 $ 288,000 $ 0
San Rafael, CA 1 $ 907,000 $ 907,000 $ 0
Savannah, GA 1 $ 231,000 $ 231,000 $ 0
Tyler, TX 1 $ 139,000 $ 139,000 $ 0
Warner Robins, GA 1 $ 132,000 $ 132,000 $ 0
Weirton-Steubenville, WV-OH 1 $ 188,000 $ 188,000 $ 0

Mortgage Loan Application Detail Totals for Clearpath Lending in 2016

Loan Purpose

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Refinancing 5,192 $1,315,834,000 $253,000 $1,484,000 $6,000 $5,700,000
Home Purchase 15 $4,893,000 $326,000 $626,000 $57,000 $234,000
Home Improvement 0 $0 $0 $0 $0 $0

Applicant Race

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
White 3,067 $766,345,000 $249,000 $1,111,000 $7,000 $5,700,000
Black or African American 1,020 $254,528,000 $249,000 $1,020,000 $3,000 $210,000
Hispanic 691 $178,019,000 $257,000 $1,484,000 $4,000 $234,000
Not Provided 232 $61,417,000 $264,000 $831,000 $6,000 $188,000
Asian 106 $36,201,000 $341,000 $715,000 $9,000 $171,000
American Indian or Alaskan Native 59 $14,919,000 $252,000 $764,000 $4,000 $120,000
Native Hawaiin or Other Pacific Islander 32 $9,298,000 $290,000 $511,000 $2,000 $79,000
Not applicable 0 $0 $0 $0 $0 $0

Loan Type

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
VA-guaranteed (Veterans Administration) 5,090 $1,283,446,000 $252,000 $1,484,000 $5,000 $5,700,000
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 102 $33,018,000 $323,000 $715,000 $58,000 $1,870,000
FHA-insured (Federal Housing Administration) 15 $4,263,000 $284,000 $569,000 $0 $0
FSA/RHS (Farm Service Agency or Rural Housing Service) 0 $0 $0 $0 $0 $0

Outcome

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Loan Originated 4,418 $1,124,239,000 $254,000 $1,484,000 $7,000 $5,700,000
Application Withdrawn By Applicant 361 $90,982,000 $252,000 $1,111,000 $0 $81,000
File Closed For Incompleteness 215 $53,914,000 $250,000 $933,000 $0 $104,000
Application Denied By Financial Institution 213 $51,592,000 $242,000 $1,020,000 $3,000 $123,000
Application Approved But Not Accepted 0 $0 $0 $0 $0 $0
Loan Purchased By The Institution 0 $0 $0 $0 $0 $0
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0
Preapproval Denied by Financial Institution 0 $0 $0 $0 $0 $0

Denial Reason

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Collateral 0 $0 $0 $0 $0 $0
Credit Application Incomplete 0 $0 $0 $0 $0 $0
Credit History 0 $0 $0 $0 $0 $0
Debt-To-Income Ratio 0 $0 $0 $0 $0 $0
Employment History 0 $0 $0 $0 $0 $0
Insufficient Cash (Downpayment, Closing Cost) 0 $0 $0 $0 $0 $0
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Other 0 $0 $0 $0 $0 $0
Unverifiable Information 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Clearpath Lending's 2016 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.

This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics, and assess Clearpath Lending's mortgage approval patterns. Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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