Clearpath Lending Mortgage Lending & HMDA Data, 2022
In 2022, Clearpath Lending of Irvine, CA reported 3,357 mortgage applications totaling $1.0 billion, down 80% from 2021. The average application was for $304,490, and applicants reported an average income of $67,022. 68% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Phoenix-Mesa-Scottsdale, AZ (178), Atlanta-Sandy Springs-Roswell, GA (131) and Las Vegas-Henderson-Paradise, NV (118) (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 | 3,357 |
| Total Mortgage Loan Application Amount | $1,022,175,000 |
| Average Mortgage Loan Application Amount | $304,490 |
| Highest Mortgage Loan Application Amount | $1,725,000 |
| Average Applicant Income | $67,022 |
| Highest Applicant Income | $464,000 |
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Act (HMDA) records Clearpath Lending filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Outside any metro area | 314 | $ 82,280,000 | $ 262,038 | $ 64,668 |
| Phoenix-Mesa-Scottsdale, AZ | 178 | $ 59,480,000 | $ 334,157 | $ 71,000 |
| Atlanta-Sandy Springs-Roswell, GA | 131 | $ 37,375,000 | $ 285,305 | $ 72,000 |
| Las Vegas-Henderson-Paradise, NV | 118 | $ 43,080,000 | $ 365,084 | $ 69,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 96 | $ 45,390,000 | $ 472,812 | $ 116,031 |
| Riverside-San Bernardino-Ontario, CA | 93 | $ 37,225,000 | $ 400,268 | $ 81,000 |
| Tampa-St. Petersburg-Clearwater, FL | 72 | $ 21,660,000 | $ 300,833 | $ 66,000 |
| Charlotte-Concord-Gastonia, NC-SC | 65 | $ 19,595,000 | $ 301,461 | $ 74,846 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 61 | $ 16,605,000 | $ 272,213 | $ 62,836 |
| Orlando-Kissimmee-Sanford, FL | 51 | $ 16,125,000 | $ 316,176 | $ 58,000 |
| Indianapolis-Carmel-Anderson, IN | 49 | $ 12,085,000 | $ 246,632 | $ 56,000 |
| Fayetteville, NC | 47 | $ 10,695,000 | $ 227,553 | $ 64,000 |
| Colorado Springs, CO | 46 | $ 16,890,000 | $ 367,173 | $ 68,000 |
| Jacksonville, FL | 46 | $ 12,490,000 | $ 271,521 | $ 66,000 |
| Tucson, AZ | 38 | $ 10,080,000 | $ 265,263 | $ 81,000 |
| Richmond, VA | 37 | $ 10,675,000 | $ 288,513 | $ 76,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 37 | $ 15,125,000 | $ 408,783 | $ 74,000 |
| San Diego-Carlsbad, CA | 37 | $ 17,735,000 | $ 479,324 | $ 74,000 |
| Baltimore-Columbia-Towson, MD | 36 | $ 14,350,000 | $ 398,611 | $ 95,000 |
| San Antonio-New Braunfels, TX | 30 | $ 7,660,000 | $ 255,333 | $ 29,000 |
| Clarksville, TN-KY | 28 | $ 8,120,000 | $ 290,000 | $ 66,785 |
| Los Angeles-Long Beach-Glendale, CA | 28 | $ 13,490,000 | $ 481,785 | $ 87,000 |
| Dallas-Plano-Irving, TX | 27 | $ 7,925,000 | $ 293,518 | $ 72,000 |
| Birmingham-Hoover, AL | 26 | $ 6,340,000 | $ 243,846 | $ 53,000 |
| Houston-The Woodlands-Sugar Land, TX | 26 | $ 7,470,000 | $ 287,307 | $ 35,000 |
| Killeen-Temple, TX | 26 | $ 6,160,000 | $ 236,923 | $ 51,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 26 | $ 8,340,000 | $ 320,769 | $ 71,000 |
| Columbia, SC | 25 | $ 6,395,000 | $ 255,800 | $ 53,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 25 | $ 6,755,000 | $ 270,200 | $ 61,000 |
| Raleigh, NC | 25 | $ 7,735,000 | $ 309,400 | $ 60,000 |
| Warren-Troy-Farmington Hills, MI | 25 | $ 5,725,000 | $ 229,000 | $ 66,000 |
| Boise City, ID | 24 | $ 9,210,000 | $ 383,750 | $ 70,000 |
| Memphis, TN-MS-AR | 24 | $ 6,600,000 | $ 275,000 | $ 68,625 |
| Cincinnati, OH-KY-IN | 22 | $ 6,020,000 | $ 273,636 | $ 85,909 |
| Columbus, OH | 22 | $ 6,290,000 | $ 285,909 | $ 72,000 |
| Urban Honolulu, HI | 22 | $ 15,390,000 | $ 699,545 | $ 105,000 |
| Augusta-Richmond County, GA-SC | 21 | $ 5,615,000 | $ 267,380 | $ 62,714 |
| Charleston-North Charleston, SC | 21 | $ 6,255,000 | $ 297,857 | $ 70,000 |
| Denver-Aurora-Lakewood, CO | 21 | $ 7,305,000 | $ 347,857 | $ 61,000 |
| Omaha-Council Bluffs, NE-IA | 21 | $ 6,385,000 | $ 304,047 | $ 69,000 |
| Palm Bay-Melbourne-Titusville, FL | 21 | $ 5,325,000 | $ 253,571 | $ 50,000 |
| Austin-Round Rock, TX | 20 | $ 6,550,000 | $ 327,500 | $ 52,000 |
| Albuquerque, NM | 19 | $ 5,095,000 | $ 268,157 | $ 72,000 |
| Bakersfield, CA | 19 | $ 4,995,000 | $ 262,894 | $ 69,000 |
| Columbus, GA-AL | 19 | $ 4,235,000 | $ 222,894 | $ 73,368 |
| Greenville-Anderson-Mauldin, SC | 19 | $ 5,105,000 | $ 268,684 | $ 56,000 |
| Huntsville, AL | 19 | $ 5,155,000 | $ 271,315 | $ 77,000 |
| Milwaukee-Waukesha-West Allis, WI | 19 | $ 4,915,000 | $ 258,684 | $ 62,000 |
| Jacksonville, NC | 18 | $ 4,320,000 | $ 240,000 | $ 69,000 |
| Pensacola-Ferry Pass-Brent, FL | 17 | $ 4,835,000 | $ 284,411 | $ 69,000 |
| Stockton-Lodi, CA | 17 | $ 5,855,000 | $ 344,411 | $ 43,000 |
| Knoxville, TN | 16 | $ 3,720,000 | $ 232,500 | $ 47,000 |
| Lake Havasu City-Kingman, AZ | 16 | $ 4,970,000 | $ 310,625 | $ 74,000 |
| Reno, NV | 16 | $ 5,140,000 | $ 321,250 | $ 62,000 |
| Fort Worth-Arlington, TX | 15 | $ 4,025,000 | $ 268,333 | $ 37,000 |
| Lakeland-Winter Haven, FL | 15 | $ 4,525,000 | $ 301,666 | $ 69,000 |
| New York-Newark, NY | 15 | $ 4,865,000 | $ 324,333 | $ 74,000 |
| Philadelphia, PA | 15 | $ 3,305,000 | $ 220,333 | $ 51,000 |
| Cape Coral-Fort Myers, FL | 14 | $ 3,950,000 | $ 282,142 | $ 61,000 |
| Louisville/Jefferson County, KY-IN | 14 | $ 3,410,000 | $ 243,571 | $ 57,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 14 | $ 3,540,000 | $ 252,857 | $ 45,428 |
| Sumter, SC | 14 | $ 2,730,000 | $ 195,000 | $ 67,000 |
| Oakland-Hayward-Berkeley, CA | 13 | $ 6,995,000 | $ 538,076 | $ 97,000 |
| Cleveland-Elyria, OH | 12 | $ 2,990,000 | $ 249,166 | $ 78,000 |
| Durham-Chapel Hill, NC | 12 | $ 3,120,000 | $ 260,000 | $ 49,000 |
| Little Rock-North Little Rock-Conway, AR | 12 | $ 3,110,000 | $ 259,166 | $ 63,000 |
| Modesto, CA | 12 | $ 3,780,000 | $ 315,000 | $ 59,000 |
| North Port-Sarasota-Bradenton, FL | 12 | $ 3,800,000 | $ 316,666 | $ 57,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 12 | $ 4,360,000 | $ 363,333 | $ 45,000 |
| Prescott Valley-Prescott, AZ | 12 | $ 3,020,000 | $ 251,666 | $ 39,000 |
| Coeur D'Alene, ID | 11 | $ 4,245,000 | $ 385,909 | $ 74,000 |
| Fresno, CA | 11 | $ 3,415,000 | $ 310,454 | $ 56,000 |
| Gary, IN | 11 | $ 3,235,000 | $ 294,090 | $ 68,000 |
| Greensboro-High Point, NC | 11 | $ 2,305,000 | $ 209,545 | $ 54,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 11 | $ 3,145,000 | $ 285,909 | $ 63,000 |
| Montgomery County-Bucks County-Chester County, PA | 11 | $ 3,385,000 | $ 307,727 | $ 78,000 |
| Montgomery, AL | 11 | $ 2,225,000 | $ 202,272 | $ 70,000 |
| Punta Gorda, FL | 11 | $ 3,085,000 | $ 280,454 | $ 61,000 |
| Warner Robins, GA | 11 | $ 2,635,000 | $ 239,545 | $ 101,000 |
| Camden, NJ | 10 | $ 2,320,000 | $ 232,000 | $ 63,000 |
| Miami-Miami Beach-Kendall, FL | 10 | $ 3,630,000 | $ 363,000 | $ 89,000 |
| New Bern, NC | 10 | $ 2,590,000 | $ 259,000 | $ 47,000 |
| Salem, OR | 10 | $ 2,370,000 | $ 237,000 | $ 24,000 |
| Sierra Vista-Douglas, AZ | 10 | $ 2,420,000 | $ 242,000 | $ 120,000 |
| Washington-Baltimore-Arlington, DC | 10 | $ 5,350,000 | $ 535,000 | $ 101,000 |
| Anaheim-Santa Ana-Irvine, CA | 9 | $ 5,315,000 | $ 590,555 | $ 87,000 |
| Dayton-Springfield-Kettering, OH | 9 | $ 2,155,000 | $ 239,444 | $ 63,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 9 | $ 3,845,000 | $ 427,222 | $ 83,000 |
| Homosassa Springs, FL | 9 | $ 2,925,000 | $ 325,000 | $ 70,000 |
| Las Cruces, NM | 9 | $ 1,715,000 | $ 190,555 | $ 41,000 |
| Pittsburgh, PA | 9 | $ 2,055,000 | $ 228,333 | $ 47,000 |
| Pueblo, CO | 9 | $ 2,535,000 | $ 281,666 | $ 62,000 |
| Savannah, GA | 9 | $ 2,395,000 | $ 266,111 | $ 70,000 |
| Vallejo-Fairfield, CA | 9 | $ 3,725,000 | $ 413,888 | $ 87,000 |
| Chattanooga, TN-GA | 8 | $ 2,680,000 | $ 335,000 | $ 85,000 |
| Chicago-Naperville, IL | 8 | $ 2,100,000 | $ 262,500 | $ 16,000 |
| Crestview-Fort Walton Beach-Destin, FL | 8 | $ 2,920,000 | $ 365,000 | $ 97,000 |
| Detroit-Dearborn-Livonia, MI | 8 | $ 1,750,000 | $ 218,750 | $ 55,000 |
| El Paso, TX | 8 | $ 1,300,000 | $ 162,500 | $ 24,000 |
| Greeley, CO | 8 | $ 2,220,000 | $ 277,500 | $ 40,000 |
| Hinesville, GA | 8 | $ 1,690,000 | $ 211,250 | $ 48,000 |
| Ocala, FL | 8 | $ 1,760,000 | $ 220,000 | $ 58,000 |
| Port St. Lucie, FL | 8 | $ 2,830,000 | $ 353,750 | $ 58,000 |
| Shreveport-Bossier City, LA | 8 | $ 1,810,000 | $ 226,250 | $ 47,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 8 | $ 3,600,000 | $ 450,000 | $ 84,000 |
| Akron, OH | 7 | $ 1,985,000 | $ 283,571 | $ 58,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 7 | $ 1,755,000 | $ 250,714 | $ 54,714 |
| Baton Rouge, LA | 7 | $ 1,525,000 | $ 217,857 | $ 24,000 |
| Daphne-Fairhope-Foley, AL | 7 | $ 2,055,000 | $ 293,571 | $ 89,000 |
| Fort Collins, CO | 7 | $ 2,465,000 | $ 352,142 | $ 45,000 |
| Sebastian-Vero Beach, FL | 7 | $ 1,985,000 | $ 283,571 | $ 46,000 |
| Visalia-Porterville, CA | 7 | $ 1,995,000 | $ 285,000 | $ 64,000 |
| Winston-Salem, NC | 7 | $ 1,825,000 | $ 260,714 | $ 59,000 |
| Yuma, AZ | 7 | $ 1,555,000 | $ 222,142 | $ 57,000 |
| Evansville, IN-KY | 6 | $ 1,220,000 | $ 203,333 | $ 45,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 6 | $ 1,400,000 | $ 233,333 | $ 74,000 |
| Great Falls, MT | 6 | $ 1,690,000 | $ 281,666 | $ 90,000 |
| Lafayette-West Lafayette, IN | 6 | $ 1,360,000 | $ 226,666 | $ 59,000 |
| New Orleans-Metairie, LA | 6 | $ 1,530,000 | $ 255,000 | $ 72,000 |
| Newark, NJ-PA | 6 | $ 2,270,000 | $ 378,333 | $ 52,000 |
| Springfield, OH | 6 | $ 1,200,000 | $ 200,000 | $ 68,000 |
| Toledo, OH | 6 | $ 1,100,000 | $ 183,333 | $ 69,000 |
| Albany, GA | 5 | $ 1,255,000 | $ 251,000 | $ 63,000 |
| Asheville, NC | 5 | $ 1,075,000 | $ 215,000 | $ 37,000 |
| Elizabethtown-Fort Knox, KY | 5 | $ 1,155,000 | $ 231,000 | $ 73,000 |
| Eugene, OR | 5 | $ 1,325,000 | $ 265,000 | $ 10,000 |
| Flint, MI | 5 | $ 1,215,000 | $ 243,000 | $ 72,000 |
| Fort Wayne, IN | 5 | $ 1,165,000 | $ 233,000 | $ 49,000 |
| Gainesville, FL | 5 | $ 1,325,000 | $ 265,000 | $ 62,000 |
| Green Bay, WI | 5 | $ 1,095,000 | $ 219,000 | $ 53,000 |
| Hot Springs, AR | 5 | $ 935,000 | $ 187,000 | $ 58,000 |
| Idaho Falls, ID | 5 | $ 1,295,000 | $ 259,000 | $ 31,000 |
| Jonesboro, AR | 5 | $ 885,000 | $ 177,000 | $ 34,000 |
| Lima, OH | 5 | $ 1,335,000 | $ 267,000 | $ 93,000 |
| Mobile, AL | 5 | $ 1,235,000 | $ 247,000 | $ 49,000 |
| Redding, CA | 5 | $ 1,425,000 | $ 285,000 | $ 50,000 |
| Salinas, CA | 5 | $ 3,135,000 | $ 627,000 | $ 147,000 |
| Tallahassee, FL | 5 | $ 1,155,000 | $ 231,000 | $ 33,000 |
| Twin Falls, ID | 5 | $ 1,195,000 | $ 239,000 | $ 53,000 |
| Wilmington, DE-MD-NJ | 5 | $ 1,375,000 | $ 275,000 | $ 59,600 |
| Wilmington, NC | 5 | $ 1,145,000 | $ 229,000 | $ 11,000 |
| Billings, MT | 4 | $ 1,480,000 | $ 370,000 | $ 60,000 |
| Chambersburg-Waynesboro, PA | 4 | $ 760,000 | $ 190,000 | $ 98,000 |
| Dothan, AL | 4 | $ 1,020,000 | $ 255,000 | $ 77,000 |
| Florence, SC | 4 | $ 1,030,000 | $ 257,500 | $ 93,000 |
| Grand Junction, CO | 4 | $ 1,030,000 | $ 257,500 | $ 43,000 |
| Grand Rapids-Wyoming, MI | 4 | $ 1,130,000 | $ 282,500 | $ 51,000 |
| Hagerstown-Martinsburg, MD-WV | 4 | $ 1,230,000 | $ 307,500 | $ 94,000 |
| Hanford-Corcoran, CA | 4 | $ 800,000 | $ 200,000 | $ 45,000 |
| Hickory-Lenoir-Morganton, NC | 4 | $ 1,150,000 | $ 287,500 | $ 85,000 |
| Jackson, TN | 4 | $ 1,050,000 | $ 262,500 | $ 39,000 |
| Johnson City, TN | 4 | $ 890,000 | $ 222,500 | $ 72,000 |
| Kingsport-Bristol-Bristol, TN-VA | 4 | $ 800,000 | $ 200,000 | $ 73,750 |
| Lancaster, PA | 4 | $ 700,000 | $ 175,000 | $ 52,000 |
| Lewiston, ID-WA | 4 | $ 1,090,000 | $ 272,500 | $ 84,250 |
| Lynchburg, VA | 4 | $ 1,130,000 | $ 282,500 | $ 57,000 |
| Morristown, TN | 4 | $ 810,000 | $ 202,500 | $ 48,000 |
| New York-Jersey City-White Plains, NY-NJ | 4 | $ 2,240,000 | $ 560,000 | $ 221,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 4 | $ 1,950,000 | $ 487,500 | $ 53,000 |
| Pocatello, ID | 4 | $ 1,230,000 | $ 307,500 | $ 99,000 |
| Roanoke, VA | 4 | $ 830,000 | $ 207,500 | $ 47,000 |
| Salisbury, MD-DE | 4 | $ 1,080,000 | $ 270,000 | $ 78,000 |
| Santa Maria-Santa Barbara, CA | 4 | $ 1,800,000 | $ 450,000 | $ 76,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 4 | $ 820,000 | $ 205,000 | $ 45,000 |
| Texarkana, TX-AR | 4 | $ 680,000 | $ 170,000 | $ 24,750 |
| The Villages, FL | 4 | $ 1,220,000 | $ 305,000 | $ 45,000 |
| Youngstown-Warren-Boardman, OH-PA | 4 | $ 1,090,000 | $ 272,500 | $ 52,250 |
| Alexandria, LA | 3 | $ 415,000 | $ 138,333 | $ 22,000 |
| Appleton, WI | 3 | $ 965,000 | $ 321,666 | $ 94,000 |
| Carson City, NV | 3 | $ 1,075,000 | $ 358,333 | $ 75,000 |
| El Centro, CA | 3 | $ 865,000 | $ 288,333 | $ 89,000 |
| Erie, PA | 3 | $ 495,000 | $ 165,000 | $ 33,000 |
| Farmington, NM | 3 | $ 645,000 | $ 215,000 | $ 67,000 |
| Gettysburg, PA | 3 | $ 645,000 | $ 215,000 | $ 55,000 |
| Goldsboro, NC | 3 | $ 715,000 | $ 238,333 | $ 119,000 |
| Grand Island, NE | 3 | $ 815,000 | $ 271,666 | $ 62,000 |
| Harrisburg-Carlisle, PA | 3 | $ 615,000 | $ 205,000 | $ 33,000 |
| Lincoln, NE | 3 | $ 665,000 | $ 221,666 | $ 45,000 |
| Monroe, MI | 3 | $ 845,000 | $ 281,666 | $ 47,000 |
| Niles-Benton Harbor, MI | 3 | $ 495,000 | $ 165,000 | $ 69,000 |
| Olympia-Tumwater, WA | 3 | $ 995,000 | $ 331,666 | $ 127,000 |
| Oshkosh-Neenah, WI | 3 | $ 525,000 | $ 175,000 | $ 22,000 |
| Panama City, FL | 3 | $ 825,000 | $ 275,000 | $ 38,000 |
| Reading, PA | 3 | $ 535,000 | $ 178,333 | $ 39,000 |
| Rocky Mount, NC | 3 | $ 745,000 | $ 248,333 | $ 53,000 |
| Saginaw, MI | 3 | $ 665,000 | $ 221,666 | $ 52,000 |
| San Francisco-Redwood City-South San Francisco, CA | 3 | $ 2,145,000 | $ 715,000 | $ 176,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 3 | $ 2,095,000 | $ 698,333 | $ 130,000 |
| Santa Fe, NM | 3 | $ 1,045,000 | $ 348,333 | $ 116,000 |
| Tacoma-Lakewood, WA | 3 | $ 1,185,000 | $ 395,000 | $ 109,000 |
| Yuba City, CA | 3 | $ 1,255,000 | $ 418,333 | $ 89,000 |
| Abilene, TX | 2 | $ 320,000 | $ 160,000 | $ 0 |
| Anniston-Oxford-Jacksonville, AL | 2 | $ 440,000 | $ 220,000 | $ 103,000 |
| Athens-Clarke County, GA | 2 | $ 490,000 | $ 245,000 | $ 51,000 |
| Bend-Redmond, OR | 2 | $ 540,000 | $ 270,000 | $ 46,000 |
| Brownsville-Harlingen, TX | 2 | $ 380,000 | $ 190,000 | $ 50,000 |
| California-Lexington Park, MD | 2 | $ 660,000 | $ 330,000 | $ 89,000 |
| Decatur, AL | 2 | $ 500,000 | $ 250,000 | $ 71,000 |
| Eau Claire, WI | 2 | $ 400,000 | $ 200,000 | $ 108,000 |
| Elgin, IL | 2 | $ 370,000 | $ 185,000 | $ 0 |
| Florence-Muscle Shoals, AL | 2 | $ 290,000 | $ 145,000 | $ 43,000 |
| Fort Smith, AR-OK | 2 | $ 480,000 | $ 240,000 | $ 79,000 |
| Gainesville, GA | 2 | $ 350,000 | $ 175,000 | $ 54,000 |
| Greenville, NC | 2 | $ 430,000 | $ 215,000 | $ 43,000 |
| Huntington-Ashland, WV-KY-OH | 2 | $ 590,000 | $ 295,000 | $ 46,500 |
| Jackson, MI | 2 | $ 300,000 | $ 150,000 | $ 30,000 |
| Lafayette, LA | 2 | $ 330,000 | $ 165,000 | $ 41,000 |
| Lake County-Kenosha County, IL-WI | 2 | $ 320,000 | $ 160,000 | $ 26,000 |
| Lebanon, PA | 2 | $ 460,000 | $ 230,000 | $ 83,000 |
| Lubbock, TX | 2 | $ 320,000 | $ 160,000 | $ 45,000 |
| Macon-Bibb County, GA | 2 | $ 310,000 | $ 155,000 | $ 96,000 |
| McAllen-Edinburg-Mission, TX | 2 | $ 390,000 | $ 195,000 | $ 0 |
| Medford, OR | 2 | $ 470,000 | $ 235,000 | $ 0 |
| Midland, MI | 2 | $ 500,000 | $ 250,000 | $ 55,000 |
| Muskegon, MI | 2 | $ 680,000 | $ 340,000 | $ 72,000 |
| Ocean City, NJ | 2 | $ 710,000 | $ 355,000 | $ 117,000 |
| Rockford, IL | 2 | $ 490,000 | $ 245,000 | $ 0 |
| Santa Rosa, CA | 2 | $ 560,000 | $ 280,000 | $ 0 |
| Spartanburg, SC | 2 | $ 210,000 | $ 105,000 | $ 0 |
| State College, PA | 2 | $ 520,000 | $ 260,000 | $ 107,000 |
| Trenton, NJ | 2 | $ 920,000 | $ 460,000 | $ 51,000 |
| Tulsa, OK | 2 | $ 610,000 | $ 305,000 | $ 119,000 |
| Valdosta, GA | 2 | $ 440,000 | $ 220,000 | $ 85,000 |
| Winchester, VA-WV | 2 | $ 860,000 | $ 430,000 | $ 60,000 |
| Albany, OR | 1 | $ 285,000 | $ 285,000 | $ 0 |
| Amarillo, TX | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Battle Creek, MI | 1 | $ 255,000 | $ 255,000 | $ 106,000 |
| Bay City, MI | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Beaumont-Port Arthur, TX | 1 | $ 185,000 | $ 185,000 | $ 98,000 |
| Bellingham, WA | 1 | $ 305,000 | $ 305,000 | $ 42,000 |
| Charlottesville, VA | 1 | $ 355,000 | $ 355,000 | $ 0 |
| Chico, CA | 1 | $ 305,000 | $ 305,000 | $ 86,000 |
| Corvallis, OR | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Davenport-Moline-Rock Island, IA-IL | 1 | $ 315,000 | $ 315,000 | $ 0 |
| Decatur, IL | 1 | $ 145,000 | $ 145,000 | $ 0 |
| East Stroudsburg, PA | 1 | $ 355,000 | $ 355,000 | $ 0 |
| Fond Du Lac, WI | 1 | $ 135,000 | $ 135,000 | $ 97,000 |
| Harrisonburg, VA | 1 | $ 245,000 | $ 245,000 | $ 57,000 |
| Houma-Thibodaux, LA | 1 | $ 285,000 | $ 285,000 | $ 100,000 |
| Kahului-Wailuku-Lahaina, HI | 1 | $ 725,000 | $ 725,000 | $ 0 |
| Lake Charles, LA | 1 | $ 325,000 | $ 325,000 | $ 87,000 |
| Lansing-East Lansing, MI | 1 | $ 195,000 | $ 195,000 | $ 65,000 |
| Longview, TX | 1 | $ 355,000 | $ 355,000 | $ 0 |
| Longview, WA | 1 | $ 295,000 | $ 295,000 | $ 0 |
| Madera, CA | 1 | $ 375,000 | $ 375,000 | $ 68,000 |
| Madison, WI | 1 | $ 245,000 | $ 245,000 | $ 82,000 |
| Merced, CA | 1 | $ 525,000 | $ 525,000 | $ 101,000 |
| Michigan City-La Porte, IN | 1 | $ 205,000 | $ 205,000 | $ 80,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 195,000 | $ 195,000 | $ 45,000 |
| Missoula, MT | 1 | $ 445,000 | $ 445,000 | $ 86,000 |
| Muncie, IN | 1 | $ 165,000 | $ 165,000 | $ 122,000 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 325,000 | $ 325,000 | $ 155,000 |
| Oklahoma City, OK | 1 | $ 245,000 | $ 245,000 | $ 56,000 |
| Pine Bluff, AR | 1 | $ 215,000 | $ 215,000 | $ 80,000 |
| Rome, GA | 1 | $ 195,000 | $ 195,000 | $ 33,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 1 | $ 845,000 | $ 845,000 | $ 106,000 |
| Sebring, FL | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Sioux City, IA-NE-SD | 1 | $ 205,000 | $ 205,000 | $ 70,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 305,000 | $ 305,000 | $ 44,000 |
| Staunton-Waynesboro, VA | 1 | $ 275,000 | $ 275,000 | $ 60,000 |
| Tyler, TX | 1 | $ 675,000 | $ 675,000 | $ 0 |
| Vineland-Bridgeton, NJ | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Waco, TX | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Weirton-Steubenville, WV-OH | 1 | $ 215,000 | $ 215,000 | $ 57,000 |
| Wheeling, WV-OH | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Williamsport, PA | 1 | $ 175,000 | $ 175,000 | $ 52,000 |
| York-Hanover, PA | 1 | $ 185,000 | $ 185,000 | $ 0 |
Mortgage Loan Application Detail Totals for Clearpath Lending in 2022
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 |
|---|---|---|---|---|---|---|
| Cash-out Refinancing | 2,469 | $777,775,000 | $315,000 | $1,195,000 | $84,000 | $464,000 |
| Refinancing | 757 | $194,705,000 | $257,000 | $835,000 | $3,000 | $257,000 |
| Home Purchase | 131 | $49,695,000 | $379,000 | $1,725,000 | $117,000 | $321,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 2,029 | $596,835,000 | $294,000 | $1,725,000 | $63,000 | $445,000 |
| Black or African American | 913 | $284,145,000 | $311,000 | $1,575,000 | $75,000 | $464,000 |
| Hispanic | 317 | $101,595,000 | $320,000 | $1,115,000 | $68,000 | $317,000 |
| Asian | 50 | $21,090,000 | $421,000 | $1,025,000 | $79,000 | $244,000 |
| Native Hawaiian or Other Pacific Islander | 26 | $11,470,000 | $441,000 | $915,000 | $98,000 | $199,000 |
| American Indian or Alaskan Native | 16 | $4,860,000 | $303,000 | $505,000 | $80,000 | $312,000 |
| Not Provided | 5 | $1,585,000 | $317,000 | $635,000 | $90,000 | $167,000 |
| 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) | 3,146 | $962,340,000 | $305,000 | $1,575,000 | $66,000 | $464,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 177 | $50,445,000 | $285,000 | $1,725,000 | $97,000 | $307,000 |
| FHA-insured (Federal Housing Administration) | 34 | $9,390,000 | $276,000 | $425,000 | $51,000 | $183,000 |
| 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 | 2,289 | $711,755,000 | $310,000 | $1,575,000 | $67,000 | $464,000 |
| Application Denied By Financial Institution | 500 | $136,540,000 | $273,000 | $1,035,000 | $56,000 | $315,000 |
| Application Withdrawn By Applicant | 482 | $150,960,000 | $313,000 | $1,725,000 | $81,000 | $321,000 |
| File Closed For Incompleteness | 51 | $14,595,000 | $286,000 | $605,000 | $57,000 | $278,000 |
| Application Approved But Not Accepted | 35 | $8,325,000 | $237,000 | $475,000 | $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 |
|---|---|---|---|---|---|---|
| Not applicable | 2,857 | $885,635,000 | $309,000 | $1,725,000 | $69,000 | $464,000 |
| Other | 313 | $82,705,000 | $264,000 | $1,035,000 | $49,000 | $315,000 |
| Credit History | 79 | $21,435,000 | $271,000 | $615,000 | $78,000 | $170,000 |
| Debt-To-Income Ratio | 76 | $23,640,000 | $311,000 | $955,000 | $55,000 | $147,000 |
| Employment History | 13 | $3,505,000 | $269,000 | $415,000 | $52,000 | $107,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 11 | $2,875,000 | $261,000 | $405,000 | $78,000 | $183,000 |
| Collateral | 8 | $2,380,000 | $297,000 | $445,000 | $74,000 | $125,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Clearpath Lending's 2022 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.
For a list of all lenders in California, download the full spreadsheet
with aggregated HMDA statistics today.
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