Buyer's Choice Award Winner

ClearPath Lending Reviews

4,920,525reviews on ConsumerAffairs are verified
  • We require contact information to ensure our reviewers are real.
  • Our moderators read all reviews to verify quality and helpfulness.
  • We use intelligent software that helps us maintain the integrity of reviews.
+1 more
Author picture
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

ClearPath Lending Reviews

Filter by Rating

  • (1,559)
  • (169)
  • (25)
  • (9)
  • (24)

Popular Mentions

    How do I know I can trust these reviews about ClearPath Lending NMLS # 936436?
    • 4,920,525 reviews on ConsumerAffairs are verified.
    • We require contact information to ensure our reviewers are real.
    • We use intelligent software that helps us maintain the integrity of reviews.
    • Our moderators read all reviews to verify quality and helpfulness.
    Top reviews
    • Top reviews
    • Recent
    • Oldest
    • Most helpful

    A link has directed you to this review. Its location on this page may change next time you visit.

    2 featured reviews
    How do I know I can trust these reviews about ClearPath Lending NMLS # 936436?
    • 4,920,525 reviews on ConsumerAffairs are verified.
    • We require contact information to ensure our reviewers are real.
    • We use intelligent software that helps us maintain the integrity of reviews.
    • Our moderators read all reviews to verify quality and helpfulness.
    Page 2 Reviews 25 - 55
    Verified purchase
    Customer ServiceLoan Process

    Reviewed March 9, 2026

    Several people called me, and ClearPath was familiar with the VA, so we went through them. The application process was pretty basic, like everything else. They called me a bunch of times and made me jump through hoops like everybody else. But they did their best. They were very communicative. They did a decent job and made the loan to go through. It was a good experience.

    Thanks for your vote!
    Verified purchase
    Customer ServicePunctuality & SpeedStaff

    Reviewed March 8, 2026

    I called ClearPath and I had a conversation with one of their agents and we went through with the refinance. They were very prompt in answering and then calling back. It was a good experience. If you're looking to refinance, go ahead and talk to ClearPath.

    Thanks for your vote!
    Verified purchase
    Customer ServiceTechPricePunctuality & SpeedStaffRatesTransparencyHonesty & Transparency

    Reviewed March 7, 2026

    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 provider, ClearPath found ways to make sure they would be staying in contact with me so the deadlines wouldn't be missed. They worked hard to make sure that all the legal stuff, litigation and paperwork were all completed correctly. They explained everything along the process to help me make educated decisions on refinancing. And the entire process was really smooth.

    The application process was simple. I provided the information that was needed through the agent at ClearPath. Anytime I didn't have anything that was completed, he reached out to me, gave me ample time to fill it out and get it sent in, and worked around me with my life schedule and my work schedule. It was simple to get everything filled out.

    I would recommend them to anybody who's looking into refinancing options. 'Cause everybody that I spoke with, were very transparent, honest people about the process as a whole, not just what they as a company were trying to achieve for their own business, but really decent people who are trying to help people get affordable housing. They're family-oriented and very trusting.

    They also took the time to explain what the difference between mortgage types was, even if getting the lowest rate now may lose you an opportunity later, if it's something that's still able to take an option without using the points. That was a part of the process I didn't even know existed. They did a great job on the marketing.

    Thanks for your vote!
    Verified purchase
    Customer ServicePunctuality & SpeedStaffLoan Process

    Reviewed March 6, 2026

    I already had a loan with Rocket Mortgage but after I got a thing in the mail for ClearPath Lending, I started with them. It was a long time ago, but the lending process happened quickly. The rep is quick to get back to me and he answers my questions.

    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!

    Verified purchase
    Customer ServiceStaffBillingLoan ProcessRates

    Reviewed March 5, 2026

    I got one of those mail inserts, then I called ClearPath Lending. The lending process has been manageable, meaning the reps communicated with me if they needed something, or if I had questions, I was able to email them to get a response back. They have been getting back to me in a timely manner. I'm not their only mortgage that they handle, but they usually get back to me within 48 hours, if not sooner.

    I've done a few of loans with ClearPath and the shortest period has been 30 days. Usually, when I ask for documents like the cd, they get it back to me, and if I have questions about it, if it's too hard to explain through email, they give me a call. So, it's good. ClearPath Lending has always given me a good rate. Even when I shop around, they usually give me a really good rate and it's fair. If I find something that's better, I let them know, then they match it. Sometimes they even go past it. All in all, ClearPath Lending has lowered my payment and my interest rate majorly. I'm a single parent, so any money that I can save is a blessing.

    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!

    Verified purchase
    Punctuality & SpeedStaffLoan Process

    Reviewed March 4, 2026

    My loan officer was very nice. The application process was clean and quick. ClearPath was great overall.

    Thanks for your vote!
    Verified purchase
    Refunds & PayoutsStaffRates

    Reviewed March 3, 2026

    I received multiple letters in the mail but I ended up choosing and staying with ClearPath because of Mike. He kept me informed. He was really amazing. Mike informed me that as veterans, we can refinance every seven months with no money out of pocket and for potentially a lower interest rate on the home. He explained that really well. He said that we would need to sign more paperwork. Then he set us up with a notary that arrived to the house, which was really smooth and awesome. Mike spelled it out pretty easy for me. I'm saving a little bit of money.

    Thanks for your vote!
    Verified purchase
    Punctuality & SpeedRates

    Reviewed March 2, 2026

    ClearPath Lending had the lowest rate for my mortgage. Applying with them was fast and easy. It was perfect. They were able to answer all of my questions.

    Thanks for your vote!
    Verified purchase
    Customer ServiceStaff

    Reviewed March 1, 2026

    My wife and I like to speak with people in person instead of going through the phone. ClearPath was easy to talk to. The whole process was very efficient. I was able to get exactly what I needed, and I was able to handle it easily the way that I could. The best part was actually talking to a human being.

    Thanks for your vote!
    Verified purchase
    Customer ServicePunctuality & SpeedStaffRatesTimeliness

    Reviewed Feb. 28, 2026

    I got a flyer in the mail from ClearPath, so I reached out about the interest rate and I had a good experience. The rep was very professional. He got back to me in a timely manner and got me the documents to review very quickly. So, he was very good. I was impressed with this flexibility. He gave me his cell phone number if I had any questions. It was a very, very quick service, which I was grateful for. ClearPath lowered my interest rate and saved me about $400 a month on my mortgage. So, I'm very happy with that. They answered any question very, very quickly, either by phone or email, and they responded right away. So, I was very happy with that as well. ClearPath was very easy to deal with, very professional, and they got the job done very quickly.

    Thanks for your vote!
    Verified purchase
    StaffRates

    Reviewed Feb. 27, 2026

    I had a high interest rate and was having financial difficulties. I did refinancing through ClearPath. I followed along with the advice that they gave me, and it was real simple. But it could have been a little clearer for someone that's not real smart when it comes to that kind of transaction.

    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!

    Verified purchase
    Customer ServicePunctuality & SpeedStaffLoan ProcessRates

    Reviewed Feb. 26, 2026

    One of my co-workers refinanced through ClearPath Lending, and they had the lowest interest rate for my VA loan. The application process was easy. I talked to Wesley, and I gave him all the information. I sent a total of three emails with everything, he took care of the rest, and I just had to wait to sign. I was impressed with his knowledge on everything. He explained everything upfront with me. He answered the questions I had right then and there for me. I don't have to pay as much interest in the long run, so I will have financial freedom sooner.

    Thanks for your vote!
    Verified purchase
    TechPricePunctuality & SpeedStaffRates

    Reviewed Feb. 25, 2026

    The agent, Chris, I was working with was very helpful. ClearPath scheduled the notary to come to the house, and it was pretty easy. Everything was pretty good, pretty streamlined, and straightforward. Chris was great. He was straightforward. He gave me the best price right away. When other companies came to compete, he worked with me very well. He was a no-bullshit kind of guy. So, I appreciate that. I had a good experience.

    Thanks for your vote!
    Verified purchase

    Reviewed Feb. 19, 2026

    I've dealt with ClearPath in the past. I went with them again recently, and my experience with the application was good. The process was straightforward.

    Thanks for your vote!
    Verified purchase

    Reviewed Feb. 18, 2026

    I like what ClearPath offered me. My experience during the application was very good and very clear. They were right on point with everything. They also did everything very professionally. It was a pleasure dealing with them. They've been great. I'm satisfied, so far.

    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!

    Verified purchase
    StaffLoan ProcessFollow-Through

    Reviewed Feb. 17, 2026

    I bought a house and when my mortgage broker told me about ClearPath, I applied for a VA loan with them. The process was fine and I had no trouble. The reps I worked with were great and polite. They were nice and on time. They were doing what they said they would do and I couldn't ask for any more than that.

    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!

    Verified purchase
    Staff

    Reviewed Feb. 17, 2026

    When I first moved down here from New York, I went to apply for a house and got in touch with ClearPath. The rep explained everything to me, and the application process wasn't that bad. It was just the final closing was a pain in the neck. There were so many pages that my hands started cramping up from signing the papers. Other than that, the closer explained to me everything on the paperwork that was shown.

    Thanks for your vote!
    Verified purchase
    StaffLoan ProcessRates

    Reviewed Feb. 15, 2026

    Applying for the VA loan with ClearPath Lending was very easy. The loan was what I was looking for and the numbers worked out. The loan officer was upfront with the best rate he could do at that time, whereas others wanted to, "What did he give you and we can beat that." Why didn't they beat it the first time?

    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!

    Verified purchase
    Customer ServiceRefunds & PayoutsStaffBillingTransparency

    Reviewed Feb. 14, 2026

    Initially, ClearPath called me, which was very convenient, because I was already looking for refinancing. They made it so much easier. They got a bunch of information from me and then did a soft pull. I kept getting updates about how everything was going through email, which was really nice. Once everything was finalized, they gave me a call. The rep went to my house and we filled everything out. It was pretty convenient.

    Whenever we did the process, I was told that because of my escrow, I was gonna get a certain amount. Because they told me I was gonna get a check, I called the company I was with before and asked about that check, and it was not even half the amount that I was told by the agent at ClearPath Lending. That made it a little confusing. But other than that, everything is really nice. Everyone was so easy to reach. I had texts during the days and emails whenever the process started. So, I wasn't out in the dark. There were one or two instances where I had to email them and ask how everything was going, and I got a response in less than an hour.

    It was really nice that I refinanced because with the other mortgage company, I was not aware that I was not paying my property taxes. So, my payment was way lower. I was looking to make my payment lower because I was paying $1,700. But once I refinanced, ClearPath told me, “Hey, you're not paying for your taxes, so this is why your payment is lower.” So, my payment went up to $2,000, but now I don't have to worry about the property taxes. I would totally recommend ClearPath Lending. As soon as my other property comes to a good point to refinance, I'm going right back.

    Thanks for your vote!
    Verified purchase
    Customer ServiceStaff

    Reviewed Feb. 13, 2026

    Dealing with ClearPath made things a lot easier and helped put a lot of stuff off our minds. If I had concerns, I just called them. It was not difficult to get through at all. The whole process was very easy and from the beginning to completion, it took two to three weeks. Overall, ClearPath is a good company. Use them if you can.

    Thanks for your vote!
    Verified purchase
    Customer ServiceContract & TermsPriceStaffLoan ProcessRates

    Reviewed Feb. 12, 2026

    ClearPath Lending sent me a mailer. I had a previous VA loan. ClearPath wondered if I was interested when we sold our old house and bought a new one. I gave ClearPath my basic information upfront. They told me that was fine. Since I had a previous VA loan, they were able to see something about that. They said, "Don't worry about anything. We'll take care of it." I would usually text my loan officer, but if I called him, he answered. I could tell he had a lot of experience. They're busy people. He let me know upfront, "I've got it under control. I've done this hundreds of times. I'll let you know if there's a problem. So, you don't need to call me all the time and ask me simple questions. If there's a problem, I will let you know." Once I provided all the information upfront, I didn't have to do anything. They took care of everything and got me closed within three weeks. Also, we were able to get lower interest rates.

    When we first got our original loan, as long as six months went by, we would be able to look into refinancing. The rates have dropped, so ClearPath took care of it. I called and said, "The rates have dropped. What can we do?" The rep said, "Give me a little bit, and I'll give you some numbers." They looked good, and it didn't cost me any money to buy percentage points. Another lender I had used for my VA loan said he could beat that interest rate but did not disclose that it would cost me some money for the lower rate, that they would just put in the loan. So, there was a bit of deception. On the other hand, ClearPath is a well-oiled machine.

    Thanks for your vote!
    Verified purchase
    Rates

    Reviewed Feb. 11, 2026

    Everything went well and I got a better interest rate. People should definitely consider ClearPath Lending.

    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!

    Verified purchase
    Customer ServiceBilling

    Reviewed Feb. 10, 2026

    ClearPath sent me some mortgage and refinance information. I called them and it's been a great experience with them. My initial contact was a really good guy. He followed up with me. A couple of days ago they also called and followed up with me, which was really good because I had been in the hospital and needed information on how to make my payment. They had sent me a link which I gotta go find.

    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!

    Verified purchase
    Staff

    Reviewed Feb. 10, 2026

    The application Process at ClearPath Lending was easy. The rep I worked with was cool. His name is also Ben.

    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!

    Profile pic of the author.
    Customer ServiceHonesty & Transparency

    Reviewed Feb. 4, 2026

    My experience with Clear Path EXCEEDED MY EXPECTATIONS. Stephen ** was completely SPOT ON, motivated, eager to answer my questions and showed GENUINE concern. I’m certain the rest of fellow Veterans know what I mean when I say “customer service should be a privilege to give to Veterans”. Stephen ** exemplified the privilege. TO ALL VETERANS: Clear Path is the real deal, no fake bull being fed, no promises they can’t keep. I received monthly calls from Stephen ** until I closed and after I closed, he still called, congratulated me, AND said he was going to check in every now and then. I wouldn’t dare lie to my fellow Veterans just to make anybody look good: Clear Path Lending is the CLEAR WAY FORWARD for your financing, refinancing, etc.. give them a call and watch the magic!!! Semper Fidelis (always faithful).

    Thanks for your vote!
    ClearPath Lending
    Response from ClearPath Lending

    Thank you for your review of your recent experience working with our team! We are elated to hear that you would recommend our services and we welcome you to the ClearPath family!

    Verified purchase
    PriceStaffLoan ProcessCommunication

    Reviewed Jan. 10, 2026

    We wanted to lower our payment on our mortgage, so we got a VA loan. ClearPath Lending gave us the best quote. One phone call was all it took to get started. It was easy. We worked with Nick who was amazing all the way around. He even called after we were funded to make sure that we were comfortable with everything. We didn't feel like we were forgotten once ClearPath got our business. Also, they are very forthcoming. They check on me all the time. They let me know what's going on with my file. I'm very impressed. I would recommend them to a friend.

    Thanks for your vote!
    ClearPath Lending
    Response from ClearPath Lending

    Thank you for sharing your most recent refinance experience working with ClearPath. We value your business and look forward to assisting you with any future financials needs.

    Verified purchase
    Customer ServicePunctuality & SpeedRefunds & PayoutsStaffBillingLoan ProcessRates

    Reviewed Jan. 9, 2026

    ClearPath Lending has been great. I was coming up on two and a half years since I bought a place and I originally thought I had to wait two years after I got a loan before I could consider refinancing, so I waited. When ClearPath Lending sent me a letter in the mail, I was thinking about refinancing and I was told I didn't have to wait two years. I refinanced and it showed that it would reduce my payment by a couple hundred dollars a month because the interest rates had come down. I wanted to do it because the company I was with, M&T Bank, was gonna raise my payment another couple hundred dollars a month because they wanted more than the escrow account. With M&T, my payment was gonna go from 1,338 to over 1,500, and now that I switched over, my payment is 1,238.

    The process through ClearPath Lending went really well. Their guy and I worked together on the phone a few times. He's in California and he gave me his number. I could call him any time and let him know there was something I had to know about. However, everything went so smoothly, I never had any problems or questions. He worked with me really well, and he told me that I would get a letter. The only thing that's weird about it is when I looked at the papers, it showed that I should have gotten a check from M&T Bank for 500-something dollars, but I only got a check for $86. It seems like they still owe me over $400.

    After everything over the phone, I received the paperwork and it was no problem at all. I've already made the first payment to them a couple of days ago. I'm definitely happy that I'm paying $300 less than I would have been if I was still M&T Bank. It makes a big difference for someone on a fixed income. I've also been looking for a job for a while and the economy is a mess right now. It isn't going well.

    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!

    Verified purchase
    StaffRates

    Reviewed Jan. 8, 2026

    I used ClearPath Lending again, and I like the fact the process was almost not hands-on, once I provided the information they needed. The notary made an appointment and came to my home, and we handled everything right there in my home. While I found several errors sometimes, they went back, spoke with the necessary parties and addressed them almost immediately.

    The person who assisted me, Ben, made the lending process straightforward. He answered all my questions and checked in periodically through the years to make sure that my interest rate is where it's okay for me or if it's gone down or if he thought he could help in any kind of way. I referred one of my friends to Ben, and she worked with him to do her loan.

    Thanks for your vote!
    ClearPath Lending
    Response from ClearPath Lending

    Thank you for your review of your recent experience working with our team! We are glad to hear about your great experience with your loan officer.

    Verified purchase
    Customer ServiceStaffLoan Process

    Reviewed Jan. 8, 2026

    After I got a thing in the mail about ClearPath Lending, I looked into it and called the number. I applied for a loan and it went smoothly. From start to finish, it took a couple of weeks. The loan officer, Mike, was great. He called and kept me informed on what was going on and I haven't had any problems with them. Everything was great.

    Thanks for your vote!
    ClearPath Lending
    Response from ClearPath Lending

    Thank you for sharing your most recent refinance experience working with ClearPath. We value your business and look forward to assisting you with any future financials needs.

    Verified purchase
    Customer ServicePunctuality & Speed

    Reviewed Jan. 8, 2026

    Somebody from ClearPath Lending called me and I heard them out. I also did my research about calling around and weighed my options. They had the best option for me, so I applied and the process was easy. The reps were good, but I wish they did things a little faster. Going back and forth with certain people or waiting for them to contact me back wasn't ideal because sometimes it wasn't time-efficient. Time is money, and I'd prefer to get everything done quick and get it out of the way. Other than that, they were good.

    Thanks for your vote!
    ClearPath Lending
    Response from ClearPath Lending

    Thank you for your feedback and for choosing ClearPath. We’re glad our lending options and application process worked well for you and that our team was able to address your questions. We appreciate your comments about communication and efficiency and will use them to improve our process. Thanks again for sharing your experience.

    Loading more reviews...

    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