CLEARPATH LENDING
1,785 mortgages originated in 2025 across 16 states, and what they cost borrowers.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 1,785
- Median rate
- 5.750%
- Median lender fees
- $4,820
- Median loan amount
- $305,000
- Median spread over APOR
- -0.772
- Paid discount points
- 84.3%
- Received lender credits
- 99.9%
- Purchases / refinances
- 2.2% / 97.8%
- Conventional / FHA / VA
- 2.6% / 0% / 97.4%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 99.9% of loans here — see methodology.
Where CLEARPATH LENDING lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| Texas | 185 | $4,108 | 5.625% |
| Florida | 151 | $5,252 | 5.750% |
| North Carolina | 141 | $5,062 | 5.625% |
| Georgia | 106 | $4,982 | 5.750% |
| Arizona | 103 | $4,932 | 5.750% |
| Virginia | 102 | $5,071 | 5.688% |
| California | 99 | $6,789 | 5.750% |
| Ohio | 89 | $4,400 | 5.750% |
| South Carolina | 68 | $4,818 | 5.750% |
| Michigan | 63 | $3,723 | 5.750% |
| Tennessee | 61 | $4,461 | 5.750% |
| Indiana | 60 | $4,220 | 5.625% |
| Maryland | 59 | $5,303 | 5.750% |
| Nevada | 51 | $7,342 | 5.625% |
| Arkansas | 50 | $3,127 | 5.750% |
| Alabama | 50 | $3,959 | 5.750% |