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2x Buyer's Choice Award Winner

ClearPath Lending Reviews

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Edited by: Jana Lynch

About ClearPath Lending

ClearPath Lending (NMLS #936436) is a lender offering home purchase and refinance loans. You can use the portal on its website to upload documents, see your loan info and monitor your application.

In 2020, the Consumer Financial Protection Bureau penalized ClearPath Lending for inadequate disclosures and misleading and deceptive statements in its ads for VA loans. The company was ordered to pay a civil penalty.

Visit www.clearpathlending.com
Pros
  • Specializes in refinancing VA loans
  • Loan application tracking
  • Loyalty program
Cons
  • Application process isn't entirely online
  • Not available in all states

Helpful Reviews

Cabot, AR
Verified purchase
Everything was perfect in my experience with ClearPath. There was always a sense of urgency around communication. Even when I had issues personally on my end with my cellular prov...

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Abilene, TX
Verified purchase
I got an email from ClearPath and I got interested because my interest rate when financing initially was high. Their enrolment process was very simple and user-friendly. Their rep...

Read more

Rates

ClearPath Lending isn’t transparent about its current rates, but Home Mortgage Disclosure Act data indicates that its rates generally aren’t too far off from average mortgage rates. Just be aware that small rate changes can have a big impact — the difference between a 4% and a 4.58% interest rate could cost you more than $30,000 in interest over the course of a $250,000 30-year mortgage.

ClearPath Lending average rate vs. national average

Information pulled from public Home Mortgage Disclosure Act data. Rates reflect noncommercial home purchase loans only.

However, it’s worth mentioning that the above rates are for home purchases and do not include refinancing, which is the bulk of ClearPath Lending’s business.

Application process

Getting a mortgage with ClearPath Lending starts by calling or entering your info on the company’s website. However, even if you start online, you're still directed to call the company or wait for them to contact you.

Once you’ve started the application process, though, you can use the ClearPath Lending Portal to upload documents, access your loan information and monitor your application in real time. Many borrowers said that ClearPath Lending’s process was seamless and smooth once the ball got rolling.

ClearPath Lending application features

Loan types

ClearPath lending offers several loan options for homebuyers, including:

  • Conventional loans
  • FHA loans
  • VA loans
  • Jumbo loans

However, the company hasn’t had many purchase loan applications in the past few years, and the number of purchase loans it originated is even smaller. That’s because its most popular loans are for refinancing.

Loan applications for home purchases only by year

Refinancing

The majority of ClearPath Lending’s loans are for refinancing. These products help customers lower their monthly payments, shorten loan terms, access home equity or switch rate structures by replacing their existing loans with new ones.

ClearPath Lending offers three main refinancing options for existing homeowners: conventional loans, FHA streamline loans and VA interest rate reduction refinance loans (IRRRLs). IRRRLs have been the company’s most popular offering in recent years.

In 2020, the Consumer Financial Protection Bureau found that ClearPath Lending violated several regulations by sending “mailers for VA-guaranteed mortgages that contained false, misleading, and inaccurate statements or that lacked required disclosures.” The company was required to pay a $625,000 civil penalty.

Home purchase vs. refinance loans by year
Information pulled from public Home Mortgage Disclosure Act Data. Includes conventional, USDA, VA and FHA mortgages.

Requirements

ClearPath Lending does not disclose its loan requirements or process for determining how much it believes you can afford. We’ve outlined some generic loan requirements below to help you set some expectations, but be aware that ClearPath Lending's requirements may differ from these guidelines.

National mortgage requirements by type

Additional qualifications may also apply, especially for government-backed loans. For example, VA IRRRLs have their own underwriting requirements set by the Department of Veterans Affairs:

  • You must already have a VA-backed home loan.
  • You must use the IRRRL to refinance your existing VA-backed home loan.
  • You must certify that you currently live in or used to live in the home covered by the loan.

No credit underwriting package is required by the VA when applying for an IRRRL, though.

For information on other loan types, read our guides to jumbo loans and USDA loans.

Cost and fees

ClearPath Lending doesn’t publicly disclose any costs or fees for its products other than stating that you may not need to pay any money out of pocket to get an IRRRL.

In general, closing costs on a mortgage range from 2% to 6% of the loan amount. This includes mortgage insurance, discount points and any additional fees that may come with your loan. You can see your expected closing costs in your Loan Estimate, which you should receive within three business days of your application.

ClearPath Lending also has a Loyalty Program that notifies you when a lower rate is available for your loan so you can refinance and save money on your monthly payments.

FAQ

How does ClearPath Lending work?

To get a mortgage with ClearPath Lending, you must either speak with a representative or provide your information so they can contact you. From there, they can help you finish the application process.

Is ClearPath Lending legit?

ClearPath Lending is a licensed mortgage lender with a high overall satisfaction rate on our site at the time of publishing. However, the government did fine the company in 2020 for deceptive advertising.

Where is ClearPath Lending available?

ClearPath Lending is available in 31 U.S. states.

It is not available in:

  • Alaska
  • Connecticut
  • Delaware
  • Kansas
  • Iowa
  • Maine
  • Massachusetts
  • Minnesota
  • Mississippi
  • Missouri
  • New Hampshire
  • New York
  • North Dakota
  • Rhode Island
  • South Dakota
  • Utah
  • Vermont
  • West Virginia
  • Wyoming

Still have questions?

ClearPath Lending Reviews

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  • (172)
  • (26)
  • (9)
  • (25)

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    Our review standards

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    • We require contact information to verify reviews come from real customers.
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    Page 1 Reviews 0 - 35
    Verified purchase
    Customer ServicePunctuality & SpeedStaffBillingRates

    Reviewed Oct. 1, 2026

    ClearPath was offering a lower interest rate than what I had on Wholesale Mortgage, and the gentleman I dealt with was very good. He was very courteous and I couldn't ask for anything better. He was one that handled all our affairs and the experience went smoothly. They would ask for something and we would reply right away. There were no hiccups. When it was time for escrow, a lady came in and took care of it. We did all the paperwork right here at the house and didn't have to go anywhere. Next thing I knew, it was approved. They said it would be done by the 1st of October when they started it, and that's exactly what it was.

    While they were doing things, they were letting my daughter know what was going on because they had her email address. They kept us all informed. My first payment is due tomorrow and I got it under auto pay so I don't have to worry about anything. I had two months that I didn't have to make an appointment so everything worked out. I'd recommend ClearPath anytime.

    Thanks for your vote!
    ClearPath Lending
    Response from ClearPath Lending

    Thank you for letting us know how your loan went. Your quick replies helped keep things moving, and we're glad there were no hiccups along the way. It's great to know our team handled everything with courtesy and kept your family up to date. A goal of ours is for every family to feel informed and taken care of, and it's wonderful to know we delivered that for yours. We're happy to have you as part of the ClearPath family!

    Verified purchase
    Sales & MarketingPriceStaffLoan Process

    Reviewed Sept. 20, 2026

    My experience with ClearPath was good. I heard that ClearPath had a loyalty program if you'd been a customer before. I was going to use NewDay and found out that NewDay was ripping me off. What they were charging me was outrageous compared to what ClearPath was charging me. I was really surprised at the difference in what they were charging me. So, that's the main reason why I went to ClearPath 'cause it was just a better deal.

    As far as the loan officer and everybody that I dealt with, my experience was pretty good and smooth. I didn't have any issues with anybody. Everything fell in place. The process wasn’t difficult at all. It was a really good experience. They did a good job. Everybody was well-informed and polite. They were very comfortable to work with. I would recommend them to anybody who's looking for a loan, especially when it comes to a VA-style loan.

    Thanks for your vote!
    ClearPath Lending
    Response from ClearPath Lending

    Thank you for sharing your experience! Comparing lenders paid off, and I'm glad ClearPath came out ahead on price. A better deal and an easy process is a good combination for any loan. Your VA loan recommendation means a lot. Any friends or family looking for a VA loan are welcome to reach out. We look forward to working with you for years to come!

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      Verified purchase
      Customer ServicePriceStaffBillingLoan Process

      Reviewed Sept. 16, 2026

      The guy from ClearPath Lending, Mike, was very helpful, very compassionate and very caring. The application process was worry-less. It went so well, and it wasn't stressful on my husband and myself. The loan officer was perfect. I love him. He was one of the best officers I've ever dealt with. He stayed with us until the very end. At any point in time, I can call him for anything he said. So, he didn’t drop us like a hot potato. I called him at weird times. He answered. He was never rude. He was always so sweet and respectful.

      When we got the notice in the mail, I called and I thought it was gonna be another rinky-dink situation. Mike dug for us, and he went to bat for us because we're on that IRRL loan. That helps us every seven months to get our payment down to where it's affordable because at 1,460 bucks a month, we couldn't afford the house. We were drowning. It got us down $100. Now, every seven months, he'll call us. It'll alert him. Then he'll help us every seven months for five years, get this down to where it's affordable and, hopefully, under a grand a month. Overall, I'm very happy with ClearPath. They're wonderful. I am thankful for everything. I am thankful for them working with us, for being patient and for not giving us hassle because usually it's a big fat hassle. Not one time did we have that with them.

      Thanks for your vote!
      ClearPath Lending
      Response from ClearPath Lending

      Thank you for the wonderful review, Janine! You and your husband made a good call coming back to ClearPath. An IRRL loan should be simple, and yours was. Not having to deal with the usual hassle makes a big difference. Mike is lucky to have clients like you, and we're lucky to have him. A loan officer who stays in touch long after the paperwork is signed is what we want for every borrower. Our team is here whenever you need us. We look forward to working with you guys in another seven months.

      Verified purchase
      Customer ServiceSales & MarketingPunctuality & SpeedOnline & AppStaffBillingRates

      Reviewed Aug. 1, 2026

      I got the letter in the mail and at first, I thought it was just junk mail. I looked it up on the Better Business Bureau and saw that ClearPath Lending was real. I was trying to lower my interest rate, and they told me that they could. I called them on the phone and then we went through the process on the app. It was easy and fast. If I had any questions, I would have to go to their website and address my concern. ClearPath Lending helped me by saving me $60 a month. I was hoping it would have saved a lot more, but apparently, that escrow is a monster. If they were lowering my interest rate, I was hoping that my monthly payment would have gone down a lot more than just $60.

      Thanks for your vote!
      ClearPath Lending
      Response from ClearPath Lending

      Thank you for taking the time to leave us a review! We’re glad you found the process easy and fast, and we could help lower your interest rate. Thank you for choosing ClearPath Lending!

      Verified purchase
      Customer ServiceStaffRates

      Reviewed July 23, 2026

      My experience with ClearPath has been good. It was time for me to refinance and I was calling around and ClearPath gave me the best rate. The application process was super simple. I did it all over the phone, and then I had to e-sign some documents. Then, my wife finished it up because I had to deploy. The rep I worked with was super nice and kind. I had a lot of stupid questions and she was like, "No issue." Even though I hadn't had my mind made up in the beginning, she gave me time to sit and think and wasn't hassling me about it. I loved that. They have great customer service. I'm happy I went with ClearPath.

      Thanks for your vote!
      ClearPath Lending
      Response from ClearPath Lending

      Thank you for sharing your experience! We’re glad we could secure you the best rate while keeping the process easy and stress free for you and your wife. Thank you for choosing ClearPath and thank you for your service.

      Verified purchase
      Staff

      Reviewed Sept. 19, 2026

      Give ClearPath Lending a shot. I just started a new mortgage with them. This is the second time I've worked with them. Applying went smoothly. They gave me a good deal. Also, the rep was available every time I needed him.

      Thanks for your vote!
      ClearPath Lending
      Response from ClearPath Lending

      Thank you for recommending us! It means a lot to have you back for your second loan with our team. Please let us know if you need anything in the future.

      Verified purchase
      Customer ServicePricePunctuality & SpeedStaffLoan ProcessRates

      Reviewed Sept. 18, 2026

      When I first got my loan, it was with ClearPath and they did such a great job. I stayed with them. They're very good, very professional, and very quick. They will always get a 5 from me. They do their best to get the best price they can for me. I got the VA home loan. Their rep made the application process very smooth. He made it very easy for me. He has all my information, but he called me back when he needed more information. He’s very good and very pleasant.

      Thanks for your vote!
      ClearPath Lending
      Response from ClearPath Lending

      Thank you for the wonderful feedback! We are delighted to hear that you found the loan process good, professional, quick and that our team, especially your representative, provided professional and efficient service. We look forward to continuing to serve you in the future.

      Verified purchase
      StaffBilling

      Reviewed Sept. 17, 2026

      It's been wonderful with ClearPath. I'm trying to get things refi’d so I can pay down my debt and get things wrapped into the house and not have a whole bunch of credit card payments, and the process has been very easy. It doesn't take a wild amount of time. The reps are also very nice and knowledgeable. I do it every few years, and it's always pretty good. I've been working with them for about 10 years and I've never had any complaints, so I don't need to go anywhere else, for the most part.

      Thanks for your vote!
      ClearPath Lending
      Response from ClearPath Lending

      Ten years and multiple loans together is a long relationship, and it means a lot to us. We're glad your latest refinance has been smooth, with simpler payments as the result. It's wonderful to hear our representatives have been friendly and knowledgeable, and we look forward to working with you again!

      Verified purchase
      Customer ServicePrice

      Reviewed Sept. 6, 2026

      ClearPath Lending's application process was really simple. They were very proficient. The application to approval took about a week and a half. Then they called me and told me I was approved. This latest time was really simple, and it was something that I was used to. Now, if it was a new person doing it, they would have probably expected more communication. I'm just a type of person that don't need a lot of communication.

      This is my second time refinancing through them. The first time, they're saying you get all these benefits and save you all these costs. The second time, nobody mentioned anything about saving any cost. I'm not a numbers person. I’m happy to get what I can get. So, I don't know if I was saved any money on any filing. Nobody ever mentioned that to me. I even mentioned that I was a ClearPath member. They sent me another membership packet, which is a waste of money because I was already a member. I had a certificate that I don't think is worth anything. They're just another company that's trying to refinance your home.

      Thanks for your vote!
      Verified purchase
      Customer ServiceLoan Process

      Reviewed Sept. 5, 2026

      I was with ClearPath Lending years ago. My experience was fine. Everything is simple with me. I call, see if I can get approved, got approved, got the loan, did what I had to do, and paid it off.

      Thanks for your vote!
      ClearPath Lending
      Response from ClearPath Lending

      Thank you for taking the time to leave a review. It means a lot that you chose to return to ClearPath Lending and that the loan process was simple to manage. We look forward to working with you again in the future.

      Verified purchase
      Customer ServicePunctuality & SpeedBillingRates

      Reviewed Sept. 4, 2026

      ClearPath is part of the VA, the military agency, which is why I refinanced with them. I went online, then called and filled out the application. It was quick and the instructions were easy. Everything went smoothly. The payments, rates, and terms are good. It's lower compared to what I had previously with a mortgage.

      Thanks for your vote!
      ClearPath Lending
      Response from ClearPath Lending

      Thank you for reviewing your experience with us. We appreciate your trust in handling your VA refinance, and we are glad the application and terms turned out so well for you. Please let us know if you need anything else down the line.

      Verified purchase
      Staff

      Reviewed Aug. 28, 2026

      My experience with ClearPath was very professional, very productive, and very organized. They were very nice. However, the process took a little longer. It was smooth-sailing, just until they told us the time frame for the overall process. But I don't wanna hold the time process against them, ‘cause we always run into some problems.

      Thanks for your vote!
      ClearPath Lending
      Response from ClearPath Lending

      Thank you for the feedback. We appreciate your patience with the timing and are happy to hear that our team kept the process professional, organized, and smooth. Thank you for choosing ClearPath Lending!

      Verified purchase

      Reviewed Aug. 15, 2026

      My experience with ClearPath Lending was fine and everything worked out like it should.

      Thanks for your vote!
      Verified purchase
      BillingRates

      Reviewed Aug. 13, 2026

      I researched on the internet and got in touch with ClearPath Lending. I was happy with everything they told me. The guy who handled everything did exactly what he said he would do, and it was really smooth. We were happy with everything he did for us. I refinanced with them and the process was easy. I was pleased from the beginning. My house payment’s lower since we got a lower interest rate.

      Thanks for your vote!
      ClearPath Lending
      Response from ClearPath Lending

      Thank you for sharing your experience. It’s great to hear that everything went smoothly and that our team followed through on what was promised. We appreciate you choosing ClearPath Lending for your refinance!

      Verified purchase
      Staff

      Reviewed Aug. 4, 2026

      I got a thing about ClearPath Lending sent in the mail and everybody was great. What they said that they were gonna do, they did. I couldn't ask for anything better. On a scale 1 to 10, I'd give the rep 100.

      Thanks for your vote!
      ClearPath Lending
      Response from ClearPath Lending

      Thank you for your review! We're happy to hear your experience matched what was promised, and we'll be sure to pass your compliment along to your representative.

      Verified purchase
      Customer ServiceStaff

      Reviewed Aug. 2, 2026

      ClearPath called me a couple of days ago, and Ron and his team were fabulous. We've used them in the past in our house in Montana. They're easy to work with. The application process was very easy and straightforward. The rep that I dealt with was very accommodating, understanding, and great to work with.

      Thanks for your vote!
      ClearPath Lending
      Response from ClearPath Lending

      Thank you for taking the time to leave us a review and for being a loyal ClearPath Lending customer! We’re glad Ron and his team made the process easy and straightforward. We truly appreciate you choosing to work with us again!

      Customer Service

      Reviewed Aug. 1, 2026

      I have NEVER applied for anything with this company yet they call me multiple times a day!! Then when I ask them to stop they are rude like I did something wrong and hang up on me!!!

      Thanks for your vote!
      ClearPath Lending
      Response from ClearPath Lending

      Thank you for your review. Please note that this does not align with our business practices at ClearPath Lending. We do not make unsolicited outbound calls or engage in this type of behavior. It’s possible you may have been confused with another company. We only reach out to homeowners who have already expressed interest in a refinance and have initiated contact with us first. If you’ve been receiving these calls, we’d like to help get it resolved. Please email us at information@clearpathlending.com with your name, phone number, and property address so we can check our database and ensure you are removed from any lists if you appear. We apologize for any frustration this has caused and appreciate you bringing it to our attention.

      Verified purchase
      Customer ServicePunctuality & SpeedStaffLoan Process

      Reviewed July 31, 2026

      I liked how convenient and easy it was to have questions answered through ClearPath. The application process was pretty quick and easy. My loan officer was great and always responsive whenever I had questions. He got back to me pretty quickly. I was impressed with the friendly staff and how simple they made everything for me.

      Thanks for your vote!
      ClearPath Lending
      Response from ClearPath Lending

      Thank you for taking the time to leave us a review! We’re glad to hear that your loan officer was responsive and able to get your questions answered quickly. It’s also great to know that our team made the application process simple and convenient for you. We truly appreciate you choosing ClearPath Lending!

      Verified purchase
      PriceRefunds & PayoutsStaffBillingRates

      Reviewed July 20, 2026

      ClearPath Lending did good, although there's one issue we still got to work out. They paid off the highest percent interest rates first, which is good, except if someone only owes a small amount, like 300, they shouldn't do that ‘cause it's too much hassle. We've got one where it was closed, and they sent $132 check. That's still outstanding because we had already closed the credit card account. Dilly-dallying around with these small dollar amounts, even though they may have high interest, is not worth the hassle of trying to handle the check. They send a check, then I have to mail it in and do all that.

      Thanks for your vote!
      ClearPath Lending
      Response from ClearPath Lending

      It was a pleasure speaking with you over the phone. We are glad we were able to resolve the issue and that you received your check. If there's ever anything else we can help with, please don't hesitate to reach out. Welcome to the ClearPath family!

      Verified purchase
      Customer ServiceRates

      Reviewed July 15, 2026

      Everything went smoothly. Clearpath lowered my interest rate and refinanced me. There were no issues and I had a good experience. Clearpath wasn't the only company that sent me cards in the mail saying refinance, but they gave me the best interest rate out of any of the people that I called.

      Thanks for your vote!
      ClearPath Lending
      Response from ClearPath Lending

      Thank you for taking the time to share your experience. I'm glad we were able to make your refinance process smooth and provide the best interest rate among the lenders you considered. Thank you for choosing ClearPath Lending.

      Verified purchase
      Staff

      Reviewed July 9, 2026

      The ClearPath rep I worked with was great. I had a good experience.

      Thanks for your vote!
      ClearPath Lending
      Response from ClearPath Lending

      Thank you for the review! Welcome to the ClearPath family.

      Verified purchase
      StaffLoan Process

      Reviewed July 8, 2026

      The application process at ClearPath was good. They were really knowledgeable there. The loan officer I worked with was very good and knowledgeable as well. He knew numbers really well. They were professional and super responsive. I talked to the same person each time, which was really nice, and then he seemed like he was available all the time. It was great. I would definitely recommend them. They even put together a package where we weren't even in the state, and we were able to sign in the state we were in. Everything was really great and easy.

      Thanks for your vote!
      ClearPath Lending
      Response from ClearPath Lending

      Thank you for taking the time to share your feedback! We’re thrilled to hear that your loan officer provided knowledgeable, responsive service and made your out of state process simple and hassle free. We appreciate the recommendation.

      Verified purchase
      Customer ServicePunctuality & SpeedStaff

      Reviewed July 3, 2026

      ClearPath Lending reached out to me and when I went through the application process, it was quick and easy. I called and spoke with the gentleman. He walked us through it, did all the legwork for it, and helped save me a bunch of money. If I failed to get them, they called me right back and handled anything I had. The reps were spot-on. They answered questions and the people I worked with were great. I was impressed with the process. ClearPath Lending has helped immensely and I would recommend it highly.

      Thanks for your vote!
      ClearPath Lending
      Response from ClearPath Lending

      Thank you for sharing your experience. We're glad our team made the process easy while providing responsive service throughout the loan process. Our team is committed to providing you with supportive service every step of the way. We look forward to assisting you again in the future.

      Verified purchase
      Customer ServicePunctuality & SpeedStaffBillingRates

      Reviewed July 1, 2026

      When I bought that house, even though I have really good credit, I bought it at a bad time. About six months later, rates dropped and I was looking to do a refinance. I was looking online and saw ClearPath Lending with the VA IRRRL. I sent them an email and within 30 seconds, somebody was calling me. I went with them and the process was very easy. I had to do very little. They did most of the research and all I had to do was send them a couple of W-2s. It was very quick and they made it pretty painless. They also had the veteran interest rate reduction stuff going on and it lowered my payment and my interest rate significantly. Everyone was extremely polite. They worked hard and did whatever they had to do to make it happen and keep me happy. After I made the deal, there were other companies that started contacting me, and they were doing it for no points. But I don't care about the points because I don't plan on moving anytime soon.

      Thanks for your vote!
      ClearPath Lending
      Response from ClearPath Lending

      Thank you for taking the time to share your experience. I'm glad our team was able to make the refinance process easy while helping you take advantage of lower rates through the VA IRRRL program. We welcome you to the ClearPath family!

      Verified purchase
      Customer ServiceRatesTimeliness

      Reviewed June 30, 2026

      After I bought my house, I have VA IRRRL, so I can refinance every six months. I got a letter in the mail. At first, I ignored it. I didn’t recognize the bank. I watched how the banks talk about you can refinance all the time. Had no real reason. The letter said 4.9% interest. I talked to my own bank beforehand that I already had, and they were trying to put me at 5.5, which is significantly higher. I was at a 7. I was, “This doesn't even seem right.” When I ran that by my bank, they said, “They're making that up. There ain't no way.” I said, “You know what? I'm already in the process refinancing.”

      My bank ended up not even showing up to the signing thing. I called the next day, and they said, “We didn't have anything in the books for that.” I said, “Definitely did. You know what? I'm gonna see if these other guys got this rate they're talking about anyway.” I called ClearPath Lending and talked to a guy named Wesley. He ran all the numbers with me, and it was better. I went back to my bank, talked to them about it, but the rate went up across the board. Everybody's rate went up. It was still a better deal through ClearPath than it would have been through my bank, even after 4.9 turned into 5.25. It was still better than what they were talking about at my bank, even on just the interest, but it was also better on fees as well. You also got the fact that the other place was not doing the greatest when it came to the customer service aspect. They have better rates and they typically only work with veterans.

      Thanks for your vote!
      ClearPath Lending
      Response from ClearPath Lending

      Thank you for taking the time to share your experience. I'm glad Wesley was able to show you the numbers and help you find a better overall deal. We know veterans have choices when it comes to their VA loan benefits, so it means a lot that you trusted our team. We welcome you to the ClearPath family!

      Verified purchase
      StaffLoan ProcessRates

      Reviewed June 24, 2026

      The lending process at ClearPath was awesome, great, and easy. The loan officer I worked with was Ron. He's out of Southern California, and he reached out to me a year and a half ago. I have a VA loan. And as the interest rates drop, I can refinance. He set it all up. He made it very easy. I just stayed in touch with him. And when the rates dropped, I reached out to him and said, “What do you think?” We did it, and the process was pretty straightforward.

      Thanks for your vote!
      ClearPath Lending
      Response from ClearPath Lending

      We're delighted to hear Ron made your refinancing process easy. We appreciate your trust and the opportunity to assist with your refinancing needs. We look forward to serving you again in the future and thank you for choosing ClearPath Lending.

      Verified purchase
      Staff

      Reviewed June 23, 2026

      ClearPath was very good. I got them when I bought my house in Arkansas, then I refinanced. My experience went well. Communicating with them was very easy. They were very fair and helpful.

      Thanks for your vote!
      ClearPath Lending
      Response from ClearPath Lending

      We appreciate you taking the time to share your experience. It was our pleasure to assist you with both your home purchase and refinance. We're glad the process was smooth and easy for you.

      Verified purchase
      StaffRatesTransparencyHonesty & Transparency

      Reviewed June 22, 2026

      ClearPath mailed something out regarding a reduction in interest rate. I went with it and the overall process was really easy. Everything they said was truthful. The process took two months. I wasn't right at six months yet, so it took a little longer. Once the six months is over, it was right at 30 days. They could have given real-time updates on interest rates. After I had kind of locked the interest rate, it had dropped again, and I don't know why that could have been something that could have been done. If I hadn't given the guy my word that I was going to deal with him, I would have dealt with somebody else because I could have got tena better interest rate. Other than that, everything they told me was open and honest.

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      ClearPath Lending
      Response from ClearPath Lending

      Thank you for sharing your experience. We're pleased to hear the process went well and that our team provided open and honest communication throughout. Your feedback is important to us, and we appreciate the opportunity to continue improving our service.

      Verified purchase
      Customer ServiceStaff

      Reviewed June 21, 2026

      ClearPath's lending process went well. The whole works went really smoothly. ClearPath helped us. In the way, I am a 100% disability veteran, and I've got a lot of issues medically, and I couldn't ask for our experience to have gone any better. When I had a problem, and I had to call them a couple times, it was no problem. I would definitely recommend ClearPath to any friends.

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      ClearPath Lending
      Response from ClearPath Lending

      Thank you for sharing your experience with us. We're delighted to hear the process went smoothly and our team was able to assist you when needed. We appreciate your recommendation and look forward to serving you in the future.

      Verified purchase
      Customer ServiceRates

      Reviewed June 20, 2026

      ClearPath offered me financing with a lower interest rate. So I gave them a call, and they ran the background check, and everything they needed to do, and then we went forward from there. Everything was pretty straightforward.

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      ClearPath Lending
      Response from ClearPath Lending

      We're thrilled to hear the process was straightforward and that our financing solution met your needs. Thank you for your feedback.

      Verified purchase
      StaffRates

      Reviewed June 19, 2026

      I've got a lot of financial problems right now, and ClearPath Lending has helped me out a lot on my bank account. I've only had them for a short time, and except for the entire interest rates, they're good. It's a company for people who have bad credit scores.

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      ClearPath Lending
      Response from ClearPath Lending

      We truly appreciate your feedback and look forward to continuing to support your financial goals. We're here for you every step of the way.

      Verified purchase
      Staff

      Reviewed June 18, 2026

      We like that ClearPath does the whole military lending. The person we worked with, Leslie, was very knowledgeable and helpful. The enrollment process was easy. It's been a couple of months because we started before we were eligible to refinance. We did the initial stuff upfront, and then once it was time to refinance, the process was not long because most things were done by that point. It was a simple process. It made things easy. I would recommend ClearPath.

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      ClearPath Lending
      Response from ClearPath Lending

      We're glad the process was simple and well organized from start to finish. Thank you for choosing ClearPath Lending and for taking the time to share your experience.

      Verified purchase
      Rates

      Reviewed June 10, 2026

      We got a mail offer, which was how we learned about ClearPath Lending, and we picked them because of their interest rate. We were able to save over a whole percent of interest. The people were very nice and the application process worked fine.

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      ClearPath Lending
      Response from ClearPath Lending

      Thank you for your review. Providing friendly service and a smooth application experience is important to us. We appreciate the opportunity to be part of your home financing journey. Welcome to the ClearPath family!

      Verified purchase
      StaffBillingHonesty & Transparency

      Reviewed June 8, 2026

      The experience with ClearPath wasn't what I expected. I was disappointed after I saw what the payment was going to be. They didn't tell me it was $1,700 which is more than what I was paying before I refinanced. I was paying $1,500 at first. I am not satisfied at all. It was a friendly conversation, but it's no good if it's a lie. I'd tell others to make sure they listen closely and document everything if they go with ClearPath.

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      ClearPath Lending
      Response from ClearPath Lending

      Thank you for sharing your feedback. We're sorry to hear that your experience with ClearPath did not meet your expectations. We understand your disappointment regarding the change in your monthly payment. The increase from your previous $1,500 payment to $1,700 is due to higher property taxes and homeowner's insurance premiums, which resulted in an escrow shortage. As your loan officer explained to you in detail prior to signing your loan documents, any escrow shortage is collected over a 12-month period and then reviewed and readjusted annually based on the actual tax and insurance amounts due. We strive to ensure every aspect of your new payment is clearly communicated before closing. If you have any questions about your account or would like us to review your specific situation further, please contact our customer service team directly. We're here to help and want to make sure everything is right for you. Thank you for choosing ClearPath.

      Profile pic of the author.
      Verified purchase
      Customer ServiceCoverageSales & MarketingPunctuality & SpeedMaintenanceStaffBillingLoan ProcessRates

      Reviewed May 30, 2026

      I received a couple of pieces from companies offering refinancing for VA loans and I called another company. As I was going through my mail, I saw that I had received the second piece of advertisement letter from ClearPath. So, I decided to give them a call and hear what they’re talking about. After speaking with Chris, the gentleman, his knowledge about not only the VA, how they work, their terms about working with disabled veterans, his tone and whole persona that day made me decide to give ClearPath a try. He was courteous, very pleasant to talk with and wasn't pushy. I'm a 100% disabled veteran and even when I first purchased this home, I had to dig up information to take, not only to the closing attorney, but to the other company, which was a much larger company. They were unaware that 100% disabled veterans could either be totally exempt from their taxes or receive a bigger break, and it was not restricted by their income.

      Chris told me what it would take, went through my credit file to see what it looked like, and pulled up information about my house to get a general idea of its value. He explained the difference between the slim line and the cashback option. I can get this, and this is how much my loan would be. He gave me the low, the middle, and the high of how much I could get back, cash-wise, and where my payments would be. He also told me the difference in the interest rates and told me that I would be eligible to redo it again after six months. Since I was doing cashback, if the interest rate was lower in another six months, I would be eligible to refinance and get a lower interest rate. Everything that he told me happened.

      ClearPath is easy to work with, very knowledgeable and the turnaround time was very quick. They did not drag it out. When my insurance company called me to verify whether or not I was going to be refinancing my loan and going with another company I used then, I was all right. Because a lot of times, I was a little skeptical. I kept playing straddle-the-fence because I had never heard of ClearPath. They were from California and weren't local. But the reviews were good, and everything Chris told me happened as he said it would. He didn't tell me that my homeowner's insurance would call me to verify whether or not I was in fact going to be refinancing with another company. And when they did, and they were familiar with ClearPath, that eased my concerns.

      From start to finish, the process took six weeks to two months. But some of it was on me because I had not quite met the requirement for the VA to refinance. So, I had to make that seventh payment. Once that was logged in with me, it was on and popping. If you want a quick and easy process and someone who's upfront with you, then go with ClearPath.

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      ClearPath Lending
      Response from ClearPath Lending

      Thank you for your recent review about your refinance experience. We value your business and welcome you to the ClearPath family!

      Verified purchase
      Customer ServiceStaff

      Reviewed May 28, 2026

      I first heard about ClearPath Lending through the internet. I called them first. I never met Joey, the one who helped me out, in person, but talking over the phone, he seemed a helpful guy. He went ahead and gave me all the information I needed. Went from there. Go with ClearPath.

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      ClearPath Lending
      Response from ClearPath Lending

      Thank you for your review. We’re happy to hear our team was helpful, informative, and easy to work with throughout the process. Welcome to the ClearPath family.

      Verified purchase
      Customer ServiceStaffBillingRates

      Reviewed May 27, 2026

      We got a ClearPath postcard in the mail, and we called. We were interested in refinancing and they were really good with us on that. The process which took a couple weeks was very easy. The lady that I dealt with was very easy to work with and knowledgeable. We always kept in touch. ClearPath helped me reduce my monthly payments and helped us get a little bit of our finances together. We're so excited that we went through with it. ClearPath is the best choice one can make.

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      ClearPath Lending
      Response from ClearPath Lending

      Thank you for your kind review. We’re glad our team provided the support and communication needed to make your refinance experience a positive one. Welcome to the ClearPath family.

      Verified purchase
      Customer ServiceStaffBillingRates

      Reviewed May 26, 2026

      Another company contacted me, but the offer wasn't good at all. I refused to sign up with them. When ClearPath gave me a call, I asked what they were offering and they gave me some details. I really wanted to lower my monthly payment and the first company was lowering it by $124. That was not going to help. On the other hand, ClearPath lowered my rate by 200 some dollars so I took their offer. They asked for my personal information like my social security number and where I work at. They offered me two free months. I had a good experience and would tell others to go with ClearPath.

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      ClearPath Lending
      Response from ClearPath Lending

      Thank you for sharing your experience. We’re pleased to hear our team was able to help you find the right refinancing option and provide support throughout the process. Welcome to the ClearPath family.

      Verified purchase
      StaffLoan Process

      Reviewed May 22, 2026

      We needed to refinance. ClearPath contacted us and we chose to go with them. We’re on a VA program and the application process was easy. Their reps were all right and the loan terms were fine.

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      ClearPath Lending
      Response from ClearPath Lending

      Thank you for your recent review about your refinance experience. We value your business and welcome you to the ClearPath family!

      Verified purchase
      Customer ServicePunctuality & SpeedLoan ProcessTransparency

      Reviewed May 13, 2026

      ClearPath was offering a better deal. Their application process was easy. I just emailed them over everything that they needed. They did need technical information like tax returns you need when you initially apply for a home loan. Everything they needed was easy and quick to send over. Most of the timelines that they gave me were made and they communicated very well with keeping me updated with everything. They were very transparent and communicative. It was overall a great experience and a smooth process.

      Thanks for your vote!
      ClearPath Lending
      Response from ClearPath Lending

      Thank you for your recent review about your refinance experience. We value your business and welcome you to the ClearPath family!

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      Sources
      ConsumerAffairs writers primarily rely on government data, industry experts and original research from other reputable publications to inform their work. To learn more about the content on our site, visit our FAQ page. Specific sources for this article include:
      1. U.S. Department of Veteran Affairs (VA), “ Interest rate reduction refinance loan .” Accessed August 22, 2022.
      2. Consumer Financial Protection Bureau (CFPB), “ ClearPath Lending, Inc .” Accessed August 22, 2022.

      ClearPath Lending Company Information

      Company Name:
      ClearPath Lending NMLS # 936436
      Company Type:
      Public
      Address:
      15615 Alton Parkway Suite 300
      City:
      Irvine
      State/Province:
      CA
      Postal Code:
      92618
      Country:
      United States
      Fax:
      (855) 866-7284
      Website:
      www.clearpathlending.com