Clearpath Lending Mortgage Lending & HMDA Data, 2023
In 2023, Clearpath Lending of Irvine, CA reported 1,645 mortgage applications totaling $529.7 million, down 51% from 2022. The average application was for $322,027, and applicants reported an average income of $90,203. 61% of its applications resulted in an originated loan and 16% were denied. Its largest markets were Atlanta-Sandy Springs-Roswell, GA (72), Phoenix-Mesa-Scottsdale, AZ (52) and Las Vegas-Henderson-Paradise, NV (47) (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 | 1,645 |
| Total Mortgage Loan Application Amount | $529,735,000 |
| Average Mortgage Loan Application Amount | $322,027 |
| Highest Mortgage Loan Application Amount | $1,625,000 |
| Average Applicant Income | $90,203 |
| Highest Applicant Income | $548,000 |
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Act (HMDA) records Clearpath Lending filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 190 | $ 51,570,000 | $ 271,421 | $ 80,278 |
| Atlanta-Sandy Springs-Roswell, GA | 72 | $ 22,340,000 | $ 310,277 | $ 85,000 |
| Phoenix-Mesa-Scottsdale, AZ | 52 | $ 18,820,000 | $ 361,923 | $ 82,000 |
| Las Vegas-Henderson-Paradise, NV | 47 | $ 17,735,000 | $ 377,340 | $ 97,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 45 | $ 14,345,000 | $ 318,777 | $ 91,644 |
| Riverside-San Bernardino-Ontario, CA | 40 | $ 16,200,000 | $ 405,000 | $ 90,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 40 | $ 19,320,000 | $ 483,000 | $ 135,100 |
| Tampa-St. Petersburg-Clearwater, FL | 34 | $ 12,380,000 | $ 364,117 | $ 91,000 |
| Charlotte-Concord-Gastonia, NC-SC | 33 | $ 11,935,000 | $ 361,666 | $ 100,000 |
| Fayetteville, NC | 27 | $ 6,935,000 | $ 256,851 | $ 96,000 |
| Jacksonville, FL | 27 | $ 8,885,000 | $ 329,074 | $ 100,000 |
| Orlando-Kissimmee-Sanford, FL | 24 | $ 8,580,000 | $ 357,500 | $ 101,000 |
| Richmond, VA | 23 | $ 6,405,000 | $ 278,478 | $ 93,000 |
| Charleston-North Charleston, SC | 21 | $ 7,145,000 | $ 340,238 | $ 77,000 |
| Indianapolis-Carmel-Anderson, IN | 20 | $ 5,040,000 | $ 252,000 | $ 67,000 |
| Baltimore-Columbia-Towson, MD | 19 | $ 6,505,000 | $ 342,368 | $ 101,000 |
| Columbia, SC | 19 | $ 4,835,000 | $ 254,473 | $ 79,000 |
| Tucson, AZ | 19 | $ 5,295,000 | $ 278,684 | $ 76,000 |
| Cincinnati, OH-KY-IN | 17 | $ 5,055,000 | $ 297,352 | $ 98,705 |
| Columbus, OH | 17 | $ 4,425,000 | $ 260,294 | $ 73,000 |
| San Diego-Carlsbad, CA | 17 | $ 11,805,000 | $ 694,411 | $ 150,000 |
| Augusta-Richmond County, GA-SC | 15 | $ 4,945,000 | $ 329,666 | $ 99,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 14 | $ 4,430,000 | $ 316,428 | $ 83,000 |
| Albuquerque, NM | 13 | $ 3,455,000 | $ 265,769 | $ 75,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 13 | $ 4,555,000 | $ 350,384 | $ 77,000 |
| Omaha-Council Bluffs, NE-IA | 13 | $ 3,795,000 | $ 291,923 | $ 91,000 |
| Camden, NJ | 12 | $ 3,910,000 | $ 325,833 | $ 89,000 |
| Denver-Aurora-Lakewood, CO | 12 | $ 5,130,000 | $ 427,500 | $ 104,000 |
| Memphis, TN-MS-AR | 12 | $ 2,950,000 | $ 245,833 | $ 70,000 |
| Raleigh, NC | 12 | $ 3,870,000 | $ 322,500 | $ 101,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 12 | $ 4,680,000 | $ 390,000 | $ 125,000 |
| Warren-Troy-Farmington Hills, MI | 12 | $ 3,950,000 | $ 329,166 | $ 96,000 |
| Birmingham-Hoover, AL | 11 | $ 3,185,000 | $ 289,545 | $ 92,000 |
| Clarksville, TN-KY | 11 | $ 3,155,000 | $ 286,818 | $ 81,545 |
| Colorado Springs, CO | 11 | $ 4,665,000 | $ 424,090 | $ 112,000 |
| Dayton-Springfield-Kettering, OH | 11 | $ 3,095,000 | $ 281,363 | $ 129,000 |
| Knoxville, TN | 11 | $ 2,975,000 | $ 270,454 | $ 59,000 |
| Los Angeles-Long Beach-Glendale, CA | 11 | $ 5,455,000 | $ 495,909 | $ 94,000 |
| Philadelphia, PA | 10 | $ 2,300,000 | $ 230,000 | $ 69,000 |
| Bakersfield, CA | 9 | $ 2,415,000 | $ 268,333 | $ 97,000 |
| Cleveland-Elyria, OH | 9 | $ 1,775,000 | $ 197,222 | $ 72,000 |
| Houston-The Woodlands-Sugar Land, TX | 9 | $ 2,935,000 | $ 326,111 | $ 131,000 |
| Jacksonville, NC | 9 | $ 2,315,000 | $ 257,222 | $ 108,000 |
| Lakeland-Winter Haven, FL | 9 | $ 3,155,000 | $ 350,555 | $ 83,000 |
| Little Rock-North Little Rock-Conway, AR | 9 | $ 2,465,000 | $ 273,888 | $ 75,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 9 | $ 2,855,000 | $ 317,222 | $ 88,666 |
| Prescott Valley-Prescott, AZ | 9 | $ 2,445,000 | $ 271,666 | $ 56,000 |
| Urban Honolulu, HI | 9 | $ 6,145,000 | $ 682,777 | $ 126,000 |
| Greensboro-High Point, NC | 8 | $ 1,950,000 | $ 243,750 | $ 59,000 |
| Lake Havasu City-Kingman, AZ | 8 | $ 2,070,000 | $ 258,750 | $ 74,000 |
| Montgomery County-Bucks County-Chester County, PA | 8 | $ 2,980,000 | $ 372,500 | $ 111,000 |
| North Port-Sarasota-Bradenton, FL | 8 | $ 3,140,000 | $ 392,500 | $ 71,000 |
| Palm Bay-Melbourne-Titusville, FL | 8 | $ 2,200,000 | $ 275,000 | $ 71,000 |
| Pueblo, CO | 8 | $ 2,830,000 | $ 353,750 | $ 85,000 |
| Baton Rouge, LA | 7 | $ 1,515,000 | $ 216,428 | $ 70,000 |
| Greenville-Anderson-Mauldin, SC | 7 | $ 2,135,000 | $ 305,000 | $ 118,000 |
| Harrisburg-Carlisle, PA | 7 | $ 1,635,000 | $ 233,571 | $ 79,000 |
| Hickory-Lenoir-Morganton, NC | 7 | $ 2,145,000 | $ 306,428 | $ 58,000 |
| Hinesville, GA | 7 | $ 1,555,000 | $ 222,142 | $ 94,000 |
| Huntsville, AL | 7 | $ 2,115,000 | $ 302,142 | $ 96,000 |
| New York-Newark, NY | 7 | $ 2,535,000 | $ 362,142 | $ 115,000 |
| Pensacola-Ferry Pass-Brent, FL | 7 | $ 2,385,000 | $ 340,714 | $ 112,000 |
| Savannah, GA | 7 | $ 1,735,000 | $ 247,857 | $ 74,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 7 | $ 2,905,000 | $ 415,000 | $ 100,000 |
| Boise City, ID | 6 | $ 2,730,000 | $ 455,000 | $ 100,000 |
| Detroit-Dearborn-Livonia, MI | 6 | $ 1,390,000 | $ 231,666 | $ 66,000 |
| Lafayette, LA | 6 | $ 1,410,000 | $ 235,000 | $ 63,000 |
| Milwaukee-Waukesha-West Allis, WI | 6 | $ 1,880,000 | $ 313,333 | $ 68,000 |
| Montgomery, AL | 6 | $ 1,360,000 | $ 226,666 | $ 101,000 |
| Sumter, SC | 6 | $ 1,260,000 | $ 210,000 | $ 78,000 |
| Winston-Salem, NC | 6 | $ 1,450,000 | $ 241,666 | $ 59,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 5 | $ 1,985,000 | $ 397,000 | $ 101,400 |
| Columbus, GA-AL | 5 | $ 1,185,000 | $ 237,000 | $ 90,000 |
| Dallas-Plano-Irving, TX | 5 | $ 1,495,000 | $ 299,000 | $ 144,000 |
| Fort Worth-Arlington, TX | 5 | $ 2,335,000 | $ 467,000 | $ 146,000 |
| Fresno, CA | 5 | $ 1,465,000 | $ 293,000 | $ 151,000 |
| Gary, IN | 5 | $ 1,355,000 | $ 271,000 | $ 73,000 |
| Homosassa Springs, FL | 5 | $ 1,375,000 | $ 275,000 | $ 76,000 |
| Las Cruces, NM | 5 | $ 1,425,000 | $ 285,000 | $ 73,000 |
| Louisville/Jefferson County, KY-IN | 5 | $ 1,055,000 | $ 211,000 | $ 31,000 |
| New Orleans-Metairie, LA | 5 | $ 1,215,000 | $ 243,000 | $ 81,000 |
| Ocala, FL | 5 | $ 1,245,000 | $ 249,000 | $ 62,000 |
| Redding, CA | 5 | $ 1,635,000 | $ 327,000 | $ 82,000 |
| Sierra Vista-Douglas, AZ | 5 | $ 1,795,000 | $ 359,000 | $ 153,000 |
| Warner Robins, GA | 5 | $ 1,315,000 | $ 263,000 | $ 80,000 |
| York-Hanover, PA | 5 | $ 1,765,000 | $ 353,000 | $ 107,000 |
| Akron, OH | 4 | $ 1,000,000 | $ 250,000 | $ 85,000 |
| Crestview-Fort Walton Beach-Destin, FL | 4 | $ 1,470,000 | $ 367,500 | $ 80,000 |
| Durham-Chapel Hill, NC | 4 | $ 1,290,000 | $ 322,500 | $ 83,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 4 | $ 1,720,000 | $ 430,000 | $ 113,000 |
| Grand Rapids-Wyoming, MI | 4 | $ 760,000 | $ 190,000 | $ 62,000 |
| Lincoln, NE | 4 | $ 930,000 | $ 232,500 | $ 95,000 |
| Miami-Miami Beach-Kendall, FL | 4 | $ 1,230,000 | $ 307,500 | $ 61,000 |
| New Bern, NC | 4 | $ 890,000 | $ 222,500 | $ 72,000 |
| Oakland-Hayward-Berkeley, CA | 4 | $ 2,440,000 | $ 610,000 | $ 99,000 |
| Pittsburgh, PA | 4 | $ 910,000 | $ 227,500 | $ 98,000 |
| Pocatello, ID | 4 | $ 1,520,000 | $ 380,000 | $ 139,000 |
| Rocky Mount, NC | 4 | $ 1,380,000 | $ 345,000 | $ 147,000 |
| San Antonio-New Braunfels, TX | 4 | $ 1,270,000 | $ 317,500 | $ 92,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 4 | $ 780,000 | $ 195,000 | $ 75,000 |
| Spartanburg, SC | 4 | $ 1,010,000 | $ 252,500 | $ 63,000 |
| Tallahassee, FL | 4 | $ 1,100,000 | $ 275,000 | $ 66,000 |
| Yuma, AZ | 4 | $ 1,450,000 | $ 362,500 | $ 83,000 |
| Alexandria, LA | 3 | $ 495,000 | $ 165,000 | $ 43,000 |
| Asheville, NC | 3 | $ 1,255,000 | $ 418,333 | $ 109,000 |
| Billings, MT | 3 | $ 1,065,000 | $ 355,000 | $ 123,000 |
| Bowling Green, KY | 3 | $ 705,000 | $ 235,000 | $ 58,000 |
| Canton-Massillon, OH | 3 | $ 675,000 | $ 225,000 | $ 81,000 |
| Cape Coral-Fort Myers, FL | 3 | $ 815,000 | $ 271,666 | $ 86,000 |
| Chambersburg-Waynesboro, PA | 3 | $ 1,525,000 | $ 508,333 | $ 265,000 |
| Chattanooga, TN-GA | 3 | $ 1,045,000 | $ 348,333 | $ 102,000 |
| Chicago-Naperville, IL | 3 | $ 705,000 | $ 235,000 | $ 164,000 |
| Coeur D'Alene, ID | 3 | $ 1,225,000 | $ 408,333 | $ 85,000 |
| Elizabethtown-Fort Knox, KY | 3 | $ 655,000 | $ 218,333 | $ 72,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 3 | $ 725,000 | $ 241,666 | $ 82,000 |
| Flint, MI | 3 | $ 725,000 | $ 241,666 | $ 78,000 |
| Grand Junction, CO | 3 | $ 985,000 | $ 328,333 | $ 66,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 3 | $ 1,535,000 | $ 511,666 | $ 100,000 |
| Hot Springs, AR | 3 | $ 775,000 | $ 258,333 | $ 55,000 |
| Macon-Bibb County, GA | 3 | $ 765,000 | $ 255,000 | $ 67,000 |
| Madison, WI | 3 | $ 835,000 | $ 278,333 | $ 67,000 |
| Modesto, CA | 3 | $ 835,000 | $ 278,333 | $ 78,000 |
| Morristown, TN | 3 | $ 795,000 | $ 265,000 | $ 61,000 |
| Niles-Benton Harbor, MI | 3 | $ 955,000 | $ 318,333 | $ 153,000 |
| Panama City, FL | 3 | $ 615,000 | $ 205,000 | $ 43,000 |
| Roanoke, VA | 3 | $ 935,000 | $ 311,666 | $ 77,000 |
| Salem, OR | 3 | $ 905,000 | $ 301,666 | $ 58,000 |
| Shreveport-Bossier City, LA | 3 | $ 575,000 | $ 191,666 | $ 60,000 |
| Stockton-Lodi, CA | 3 | $ 1,565,000 | $ 521,666 | $ 133,000 |
| Wausau, WI | 3 | $ 835,000 | $ 278,333 | $ 47,000 |
| Winchester, VA-WV | 3 | $ 1,255,000 | $ 418,333 | $ 104,000 |
| Anaheim-Santa Ana-Irvine, CA | 2 | $ 1,260,000 | $ 630,000 | $ 160,000 |
| Austin-Round Rock, TX | 2 | $ 970,000 | $ 485,000 | $ 92,000 |
| Battle Creek, MI | 2 | $ 330,000 | $ 165,000 | $ 64,000 |
| Burlington, NC | 2 | $ 620,000 | $ 310,000 | $ 89,000 |
| California-Lexington Park, MD | 2 | $ 620,000 | $ 310,000 | $ 77,000 |
| Daphne-Fairhope-Foley, AL | 2 | $ 660,000 | $ 330,000 | $ 74,000 |
| Dothan, AL | 2 | $ 530,000 | $ 265,000 | $ 73,000 |
| Erie, PA | 2 | $ 330,000 | $ 165,000 | $ 83,000 |
| Eugene, OR | 2 | $ 720,000 | $ 360,000 | $ 60,000 |
| Fort Collins, CO | 2 | $ 1,000,000 | $ 500,000 | $ 87,000 |
| Fort Wayne, IN | 2 | $ 390,000 | $ 195,000 | $ 44,000 |
| Goldsboro, NC | 2 | $ 510,000 | $ 255,000 | $ 64,000 |
| Great Falls, MT | 2 | $ 490,000 | $ 245,000 | $ 111,000 |
| Greeley, CO | 2 | $ 720,000 | $ 360,000 | $ 103,000 |
| Greenville, NC | 2 | $ 530,000 | $ 265,000 | $ 95,000 |
| Hanford-Corcoran, CA | 2 | $ 600,000 | $ 300,000 | $ 90,000 |
| Harrisonburg, VA | 2 | $ 490,000 | $ 245,000 | $ 70,000 |
| Huntington-Ashland, WV-KY-OH | 2 | $ 380,000 | $ 190,000 | $ 88,000 |
| Killeen-Temple, TX | 2 | $ 710,000 | $ 355,000 | $ 99,000 |
| Kingsport-Bristol-Bristol, TN-VA | 2 | $ 350,000 | $ 175,000 | $ 86,000 |
| Lake Charles, LA | 2 | $ 620,000 | $ 310,000 | $ 136,000 |
| Lake County-Kenosha County, IL-WI | 2 | $ 380,000 | $ 190,000 | $ 0 |
| Lebanon, PA | 2 | $ 570,000 | $ 285,000 | $ 97,000 |
| Lewiston, ID-WA | 2 | $ 740,000 | $ 370,000 | $ 76,000 |
| Lynchburg, VA | 2 | $ 570,000 | $ 285,000 | $ 62,000 |
| Mansfield, OH | 2 | $ 460,000 | $ 230,000 | $ 81,000 |
| Medford, OR | 2 | $ 650,000 | $ 325,000 | $ 75,000 |
| Merced, CA | 2 | $ 480,000 | $ 240,000 | $ 89,000 |
| Michigan City-La Porte, IN | 2 | $ 330,000 | $ 165,000 | $ 65,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 2 | $ 630,000 | $ 315,000 | $ 59,000 |
| Missoula, MT | 2 | $ 1,280,000 | $ 640,000 | $ 0 |
| Mobile, AL | 2 | $ 440,000 | $ 220,000 | $ 74,000 |
| Muskegon, MI | 2 | $ 640,000 | $ 320,000 | $ 66,000 |
| Newark, NJ-PA | 2 | $ 700,000 | $ 350,000 | $ 121,000 |
| Oklahoma City, OK | 2 | $ 320,000 | $ 160,000 | $ 49,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 2 | $ 770,000 | $ 385,000 | $ 129,000 |
| Racine, WI | 2 | $ 440,000 | $ 220,000 | $ 64,000 |
| Reading, PA | 2 | $ 690,000 | $ 345,000 | $ 134,000 |
| Reno, NV | 2 | $ 830,000 | $ 415,000 | $ 85,000 |
| Salisbury, MD-DE | 2 | $ 1,020,000 | $ 510,000 | $ 136,000 |
| San Angelo, TX | 2 | $ 620,000 | $ 310,000 | $ 0 |
| Santa Maria-Santa Barbara, CA | 2 | $ 1,240,000 | $ 620,000 | $ 153,000 |
| Seattle-Bellevue-Everett, WA | 2 | $ 730,000 | $ 365,000 | $ 66,000 |
| Sebastian-Vero Beach, FL | 2 | $ 630,000 | $ 315,000 | $ 62,000 |
| Springfield, OH | 2 | $ 630,000 | $ 315,000 | $ 111,000 |
| Staunton-Waynesboro, VA | 2 | $ 720,000 | $ 360,000 | $ 65,000 |
| The Villages, FL | 2 | $ 770,000 | $ 385,000 | $ 80,000 |
| Trenton, NJ | 2 | $ 440,000 | $ 220,000 | $ 72,000 |
| Valdosta, GA | 2 | $ 500,000 | $ 250,000 | $ 62,000 |
| Vineland-Bridgeton, NJ | 2 | $ 430,000 | $ 215,000 | $ 58,000 |
| Wilmington, NC | 2 | $ 550,000 | $ 275,000 | $ 64,000 |
| Yuba City, CA | 2 | $ 650,000 | $ 325,000 | $ 70,000 |
| Albany, GA | 1 | $ 135,000 | $ 135,000 | $ 29,000 |
| Amarillo, TX | 1 | $ 295,000 | $ 295,000 | $ 0 |
| Athens-Clarke County, GA | 1 | $ 355,000 | $ 355,000 | $ 62,000 |
| Bloomsburg-Berwick, PA | 1 | $ 225,000 | $ 225,000 | $ 82,000 |
| Boulder, CO | 1 | $ 235,000 | $ 235,000 | $ 43,000 |
| Carson City, NV | 1 | $ 285,000 | $ 285,000 | $ 86,000 |
| Chico, CA | 1 | $ 325,000 | $ 325,000 | $ 0 |
| Corpus Christi, TX | 1 | $ 415,000 | $ 415,000 | $ 0 |
| Dalton, GA | 1 | $ 155,000 | $ 155,000 | $ 99,000 |
| East Stroudsburg, PA | 1 | $ 215,000 | $ 215,000 | $ 69,000 |
| Eau Claire, WI | 1 | $ 315,000 | $ 315,000 | $ 99,000 |
| El Centro, CA | 1 | $ 405,000 | $ 405,000 | $ 80,000 |
| El Paso, TX | 1 | $ 195,000 | $ 195,000 | $ 62,000 |
| Evansville, IN-KY | 1 | $ 165,000 | $ 165,000 | $ 23,000 |
| Farmington, NM | 1 | $ 345,000 | $ 345,000 | $ 58,000 |
| Florence, SC | 1 | $ 205,000 | $ 205,000 | $ 69,000 |
| Fort Smith, AR-OK | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Gainesville, FL | 1 | $ 375,000 | $ 375,000 | $ 102,000 |
| Grand Island, NE | 1 | $ 365,000 | $ 365,000 | $ 102,000 |
| Green Bay, WI | 1 | $ 555,000 | $ 555,000 | $ 133,000 |
| Hagerstown-Martinsburg, MD-WV | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Hammond, LA | 1 | $ 235,000 | $ 235,000 | $ 61,000 |
| Idaho Falls, ID | 1 | $ 395,000 | $ 395,000 | $ 153,000 |
| Jackson, MI | 1 | $ 225,000 | $ 225,000 | $ 64,000 |
| Jonesboro, AR | 1 | $ 235,000 | $ 235,000 | $ 81,000 |
| Lansing-East Lansing, MI | 1 | $ 325,000 | $ 325,000 | $ 93,000 |
| Madera, CA | 1 | $ 245,000 | $ 245,000 | $ 39,000 |
| Midland, MI | 1 | $ 125,000 | $ 125,000 | $ 71,000 |
| Monroe, MI | 1 | $ 165,000 | $ 165,000 | $ 84,000 |
| Muncie, IN | 1 | $ 185,000 | $ 185,000 | $ 74,000 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 415,000 | $ 415,000 | $ 108,000 |
| Olympia-Tumwater, WA | 1 | $ 435,000 | $ 435,000 | $ 129,000 |
| Port St. Lucie, FL | 1 | $ 345,000 | $ 345,000 | $ 57,000 |
| Punta Gorda, FL | 1 | $ 275,000 | $ 275,000 | $ 56,000 |
| Rome, GA | 1 | $ 225,000 | $ 225,000 | $ 68,000 |
| Saginaw, MI | 1 | $ 355,000 | $ 355,000 | $ 87,000 |
| Salinas, CA | 1 | $ 805,000 | $ 805,000 | $ 137,000 |
| San Francisco-Redwood City-South San Francisco, CA | 1 | $ 1,285,000 | $ 1,285,000 | $ 115,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 1 | $ 505,000 | $ 505,000 | $ 68,000 |
| Santa Fe, NM | 1 | $ 615,000 | $ 615,000 | $ 129,000 |
| Santa Rosa, CA | 1 | $ 555,000 | $ 555,000 | $ 148,000 |
| Sebring, FL | 1 | $ 295,000 | $ 295,000 | $ 67,000 |
| Sheboygan, WI | 1 | $ 205,000 | $ 205,000 | $ 80,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 805,000 | $ 805,000 | $ 124,000 |
| St. Louis, MO-IL | 1 | $ 455,000 | $ 455,000 | $ 0 |
| Terre Haute, IN | 1 | $ 215,000 | $ 215,000 | $ 73,000 |
| Texarkana, TX-AR | 1 | $ 115,000 | $ 115,000 | $ 44,000 |
| Toledo, OH | 1 | $ 245,000 | $ 245,000 | $ 119,000 |
| Tulsa, OK | 1 | $ 135,000 | $ 135,000 | $ 42,000 |
| Visalia-Porterville, CA | 1 | $ 225,000 | $ 225,000 | $ 67,000 |
| Wichita Falls, TX | 1 | $ 245,000 | $ 245,000 | $ 137,000 |
| Williamsport, PA | 1 | $ 235,000 | $ 235,000 | $ 67,000 |
| Wilmington, DE-MD-NJ | 1 | $ 385,000 | $ 385,000 | $ 147,000 |
| Youngstown-Warren-Boardman, OH-PA | 1 | $ 165,000 | $ 165,000 | $ 0 |
Mortgage Loan Application Detail Totals for Clearpath Lending in 2023
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 | 1,383 | $440,615,000 | $318,000 | $1,625,000 | $87,000 | $397,000 |
| Home Purchase | 132 | $47,200,000 | $357,000 | $875,000 | $122,000 | $548,000 |
| Refinancing | 130 | $41,920,000 | $322,000 | $905,000 | $92,000 | $130,000 |
| 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 | 934 | $300,810,000 | $322,000 | $1,625,000 | $91,000 | $548,000 |
| Black or African American | 542 | $166,950,000 | $308,000 | $905,000 | $87,000 | $349,000 |
| Hispanic | 123 | $42,145,000 | $342,000 | $725,000 | $90,000 | $199,000 |
| Asian | 24 | $10,500,000 | $437,000 | $1,285,000 | $98,000 | $183,000 |
| Native Hawaiian or Other Pacific Islander | 13 | $6,645,000 | $511,000 | $1,075,000 | $98,000 | $175,000 |
| American Indian or Alaskan Native | 6 | $1,700,000 | $283,000 | $545,000 | $85,000 | $123,000 |
| Not Provided | 3 | $985,000 | $328,000 | $465,000 | $139,000 | $202,000 |
| 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) | 1,553 | $503,115,000 | $323,000 | $1,625,000 | $89,000 | $397,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 92 | $26,620,000 | $289,000 | $755,000 | $108,000 | $548,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $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 | 997 | $320,985,000 | $321,000 | $1,225,000 | $91,000 | $548,000 |
| Application Withdrawn By Applicant | 356 | $118,280,000 | $332,000 | $1,625,000 | $89,000 | $397,000 |
| Application Denied By Financial Institution | 271 | $81,765,000 | $301,000 | $1,285,000 | $84,000 | $289,000 |
| File Closed For Incompleteness | 21 | $8,705,000 | $414,000 | $955,000 | $117,000 | $348,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 1,374 | $447,970,000 | $326,000 | $1,625,000 | $91,000 | $548,000 |
| Other | 169 | $48,495,000 | $286,000 | $995,000 | $90,000 | $289,000 |
| Debt-To-Income Ratio | 43 | $14,805,000 | $344,000 | $645,000 | $64,000 | $171,000 |
| Credit History | 42 | $11,810,000 | $281,000 | $575,000 | $86,000 | $213,000 |
| Employment History | 10 | $3,850,000 | $385,000 | $1,285,000 | $67,000 | $115,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $2,530,000 | $421,000 | $655,000 | $106,000 | $222,000 |
| Collateral | 1 | $275,000 | $275,000 | $275,000 | $106,000 | $106,000 |
| 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 2023 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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