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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.

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

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    2 featured reviews
    How do I know I can trust these reviews about ClearPath Lending NMLS # 936436?
    • 4,889,230 reviews on ConsumerAffairs are verified.
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    • Our moderators read all reviews to verify quality and helpfulness.
    Page 2 Reviews 5 - 35
    Verified purchase
    Sales & MarketingStaff

    Reviewed April 30, 2026

    The representative that helped me with my application at ClearPath was helpful. The application process was good and straightforward. The member loyalty program that they have is nice. When I bought my next house, I used ClearPath again.

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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
    PriceStaff

    Reviewed April 29, 2026

    ClearPath was incentivizing a refinancing of my house with two months off the mortgage. I signed up and for the most part, the process was very easy. They said what they needed and there wasn't a lot of stuff. It didn't seem it was too hard to obtain, except for the payoff quote when dealing with the current financing team. Trying to get a payoff quote could take a little longer than expected. But other than that, it was good. The team that I was working with was very informative. They were very understanding when it came to certain information that took a little bit longer in gathering. The rep worked with the titling company and she did it very expeditiously. The process took a total of two months because of documentation that I needed on my part. This was also my first time refinancing, so I didn't know what to expect, but they set the expectation high. I also didn't have to take care of any fees.

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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
    Punctuality & Speed

    Reviewed April 28, 2026

    My experience with ClearPath was good. I worked with them two times. They did their thing. They were quick and efficient.

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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
    StaffLoan Process

    Reviewed April 23, 2026

    ClearPath Lending was a referral from a friend that used them and had a good experience. I went in for a loan as I felt it was a good time for me to try to purchase a home instead of renting.The application process was fairly easy. Everything was done online then I had to send in some documents. Everybody was very informative and reachable when needed to be. I felt involved and didn't feel stressed at all during the process. ClearPath was pretty good for the most part. But when it came down to getting close to closing, it seems that was when everything started to feel a little rushed. We had a closing date, but because things weren't submitted or they didn't have everything they needed to submit everything in time, we had to move the closing date. But it was only a few days off. Also, the portal had been down when I did the loan, so I wasn't able to track the loan progress through it.

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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 April 18, 2026

    I heard that ClearPath has a pretty good percentage, and the staff are really friendly and nice. So I thought I would try them. I went with them and the application process was easy. I didn't have any problems. The rep was good. She answered everything that I had to ask her and wanted to know. I also keep following up on stuff and asking some questions, and sometimes I follow up on my home internet. Working with them really helped me out concerning a lot of things, what they do, and then they're really good. Sometimes, if you just get behind, they're good at giving you chances. They're a good company. They're friendly and they would help you out a lot, and they're one of the good companies that you can ever get into and have an easy time with them.

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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 ServiceSales & MarketingStaff

    Reviewed April 16, 2026

    ClearPath was my lender when I lived in Sacramento and I liked their customer service. I went with them again and the experience wasn't as friendly as the initial conversation. The customer service was different between Sacramento and Texas. For some reason, I was apprehensive with the representative that I worked with. I needed to confirm that that person actually worked for ClearPath. It was just something seems like it was out of place. His name was Joe, then it was Jose. I called to confirm that he worked for ClearPath for confirmation. I felt leery about the lack of professionalism and there are so many scams going on. I've been a homeowner since '97 and this is the first time I really called to confirm that an agent worked for a real estate company. When I did call ClearPath to confirm that this guy was employed by them, the response could have been quicker. It wasn't as expedient as it could have been.

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    Verified purchase
    Customer ServiceStaffLoan Process

    Reviewed April 15, 2026

    I've been working with ClearPath for a good while. The application process was easy, and I'm very comfortable with my loan officer. I just call them up for anything.

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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

    Reviewed April 3, 2026

    ClearPath contacted me several years back and we did a refi. Then, when it came to refi again, we did a refi with them. My experience working with them was fine. They delivered on their promise.

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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 ServiceStaffBillingRates

    Reviewed March 29, 2026

    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 was straightforward and very professional as well. I like him being direct. I have his phone number saved, and I just contact him. He helps out regardless. ClearPath made my life stress-free. They lowered my house payment.

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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 Service

    Reviewed March 19, 2026

    My experience with ClearPath has been good so far. I got a letter in the mail about my mortgage being eligible for a refinance for a lower APR, so I called ClearPath. They were the lowest ones that I had seen, so I took them. The guy that I was working with was great. Everything went really smoothly. It was an efficient, easy and convenient experience.

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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 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.

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    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.

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    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.

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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
    Punctuality & SpeedStaffLoan Process

    Reviewed March 4, 2026

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

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    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.

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    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.

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    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.

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    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.

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    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.

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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 & 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.

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    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.

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    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.

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    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.

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    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.

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    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.

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    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.

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    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!

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    ClearPath Lending Company Information

    Social media:
    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:
    clearpathlending.com