
ClearPath Lending Reviews


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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 & Cons
Pros
- Specializes in refinancing VA loans
- Loan application tracking
- Loyalty program
Cons
- Application process isn't entirely online
- Not available in all states
Bottom Line
While ClearPath Lending has a variety of loan options, it mostly focuses on lending to veterans. It also offers a unique loyalty program that can help you get a lower rate by refinancing. However, it has been fined for false advertising as recently as 2020.
ClearPath Lending Reviews
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Reviewed Nov. 6, 2023
It's a VA loan and it was difficult especially in times like this. But they took a very personal view of how they handled us. They hung in there with us and when we were about to give up, the rep said, "Don't give up on it. We'll get this thing done." They were able to get the rate that I needed. It was pretty competitive.
Reviewed Nov. 5, 2023
Everything went smooth. It was a quick experience. I'd recommend them.
Reviewed Nov. 4, 2023
My friend in Virginia recommended me to ClearPath but I ignored her. I tried going with Navy Federal but had such an awful experience. I was almost done with Navy Federal. Then I switched and went to ClearPath. The lending process was smooth. They were on top of it. They told me what they needed. I got them what they needed and everything went great.
When I was dealing with Navy Federal, they would tell me they needed something two or three days after they needed it. They weren't very communicative. Every time I looked for my loan officer, he was on vacation or sick. Then it was being passed off to all kinds of different people. There was no real sense of urgency with Navy Federal. But with ClearPath, I would either text my loan officer and he would get back to me right away or I would email. They were fantastic.
Reviewed Nov. 4, 2023
I first was introduced to ClearPath Lending on the internet. I continued with them because the agent was nice and informative. Never did anything without asking me first. The lending process was excellent. It took three weeks. I needed finance fast and they gave it to me.
Reviewed Nov. 4, 2023
I was looking for a refinance with a lower rate and they got the best plan I thought for myself. They seemed friendly and knowledgeable. They were able to talk with me about what I was trying to do and what they were trying to do. It lowered my payment, but now I owe more than I ever did. They took the other loan and paid it out. I had to pay off the roof repair on the other one and it added 10,000 to it. They had to pick up what half they thought was worth when they financed it and added that to the total. But I knew that would happen.
Reviewed Oct. 18, 2023
Clearpath was good for me. The process took month and a half, which wasn't that long, and the reps were nice people. They kept me informed and I didn’t have to call them. They called and let me know everything that was going on, and I liked that.

Thank you for your wonderful feedback about your recent refinance experience working with our team. We look forward to working with you again.
Reviewed Oct. 17, 2023
ClearPath has a normal application process. They wanted to know how much my house is worth and how much cash I wanted to take out of it, and when I wanted to go to closing. The process took a couple of months, but that was because I was procrastinating. I would call one lender and then, I'd call ClearPath. Ultimately, it came down to the interest rates for moving and ClearPath had the best one going. Once I made up my mind, they were very quick. It was a little bit confusing because the guy I talked to at first had an aide, so she was answering more of my question. Then it seemed to me that I got a couple of other things with either texts or an email, and it was from somebody else.
Finally, one day, I just had to ask him. I said, "All right. Now, who is this?" "Oh, that's my assistant." "Well, then who is this?" They say it was an assistant's assistant. So, it got a little confusing there. But the information that I was being provided was always consistent. I think they just put more people in line so that they would be responsive, and they were always responsive to my questions.

We are pleased to hear that you found our application process and rates better than our competitors. We value your business and look forward to working with you again.
Reviewed Oct. 12, 2023
I'm a ClearPath customer, and everything has been above board. The experience has been beautiful as well. It was easygoing, no hassle or problems, and the price is gonna remain the same. I got help.
Reviewed Oct. 11, 2023
They were very proactive. I had some concerns along the way, but they addressed and handled them all. One was my issue, but they were patient with me on that. My loan officer was cordial, friendly and professional. The application process went very smoothly. I was satisfied.
Reviewed Oct. 10, 2023
ClearPath’s quote was super competitive and they always picked up when we called and responded right away via email when we emailed them. Other places had made promises and then backed out. ClearPath seemed to stick by their word. Their program saved us almost 200 bucks a month and the term of the loan changed to 17 years. The original was 30 so it saves us a ton of money just from that alone. It would end up saving $45,000. They took their time and made sure we were getting the best deal for our scenario. The application process was easy because everything ClearPath needed us to do, the reps set it up in Verisign or DocuSign. They would send us a link to a website and it would take us right to the thing that we need to sign and there would be an explanation of what it was. You could digitally sign it and send it right back. So we were able to turn around everything they needed almost immediately. It was streamlined.
The rep would either call or email back right away if we had any questions. And he explained in layman’s terms so we didn’t have to hire a lawyer to figure out what he was saying. He squared us away. He answered everything before we even committed and signed anything, so it was good. There are probably other companies that could do it, but none of them that could explain it to us the way ClearPath did. They were very polite and it's been the easiest process. We've had mortgages and loan officers before but this is probably the best experience we've had.
Reviewed Oct. 4, 2023
We had used ClearPath Lending before, and they were so good and so helpful all the way through the process as they have been this time. We're retired now and we needed some additional help. We were taking some of our equity. During the application process, they found a way to explain everything. If we had a question, they always answered. They've gone out of their way to help us and make sure we had everything in place at the right time. I never had a problem with somebody not responding to me quickly. Overall, the process was easy the first time and second time. Both times, the loan officers were exceptional.
Reviewed Oct. 3, 2023
The application process at ClearPath was good and very simple. They were clear about what they needed. I've used them twice, and the two reps that I used were both very good. They were patient and personable, and if I didn't understand something, they took time to explain it. The rate's pretty good. I had a better interest rate prior to this last refinance, but even with this last refinance, it was 4%. I didn't think that was too bad because I've heard that it's 7% now.
Reviewed Oct. 3, 2023
I used ClearPath Lending years ago. I like the way that they handled things. They're clear on what they were doing. They've kept me abreast each step of the way about what the process was as far as what I could and could not do. Information-wise, they were really helping in that situation. If someone else wants to use ClearPath, I'll be one of the ones that would most recommend them.
Reviewed Sept. 26, 2023
When we began working with ClearPath Lending in 2019, they got us a good interest rate. After that, I went back with them because there was a lady, Matma, who's genuine. She cares about the consumer and not just trying to get my money. She made it personal. We're part of the loyalty program so now, we don't have any closing costs if we refinance. We just refinanced again with ClearPath and the process was super easy. It took two weeks because they already had our information. All we had to do was get the appraisal and the water inspection done. The only thing was once we had all of the disclosure, it moved over to another gentleman. But I didn't care for him that much because his communication wasn't as good as Matma's. I had to call him for things and ask him questions instead of him calling me and keeping me updated on things. That was a little bit frustrating.
Reviewed Sept. 16, 2023
Everybody was helpful and very nice, so it was good interaction. The process with ClearPath was streamlined so everything worked out quickly.

Thank you for your feedback and welcome to the ClearPath family!
Reviewed Sept. 16, 2023
ClearPath got me out of debt. Every time I had a question, the rep answered it. If he needed information, I was able to get it to him. He told me exactly what he needed and once I gave him the basic information about what I was looking for, he gave me multiple options. If I couldn't get ahold of him over the phone, I could email or text. Any question that I had, if he didn't know the answer, he would get the answer and call me back the same day. Everything with him was great and so was with the closing office. The other entities made it horrible 'cause I would call one of my credit cards trying to get a payoff amount or where to send the money, but it was like pulling teeth. But the loan officer was patient. He kept trying to coach me through it. He was reassuring me that everything was fine.
Reviewed Sept. 14, 2023
We enjoyed our experience with ClearPath last time and we decided to go back and get a new mortgage. The reps were courteous, well-informed and attentive to our needs.
Reviewed Sept. 14, 2023
My experience with ClearPath was very good. The application process went by pretty smoothly. I had to provide a lot of work and documentation, but that turned out all right. From start to finish, it only took a month and a half. The loan officer was was also understanding and wasn't pushy.
Reviewed Sept. 10, 2023
ClearPath Lending was professional. They explained everything well. And they did what they said they would do. If they said they would call me, they called. I appreciated the rep's patience with me as I'm older. I was able to send pictures of my documents. And it was all done within a few minutes. Very simple. It was a great experience.

Thank you for your review about your recent refinance experience. We truly value your business and welcome you to the ClearPath family!
Reviewed Sept. 10, 2023
Everything was good with my experience with ClearPath. The process was easy. The reps were helpful. Everybody was also very polite and nice. And everybody knew what they were doing.

Thank you for your feedback and welcome to the ClearPath family!
Reviewed Sept. 9, 2023
The experience during the application process with ClearPath was a little strenuous. There were a lot of protocols and it doubled up on paperwork and signatures. It was a bit of a mess. But it was a longer process because it's a VA loan. This took a few months more than it should have. But Cameron, the rep I was primarily working with, was answering my calls. He was looking into situations for me. So ClearPath did a fantastic job.
Cameron helped me out a lot and dug into issues that we were having to give me solid answers. Even in those moments where the answer was not readily available, it didn't take very long for Cameron to hunt it down or get in contact with people. And he called me back. I never went too long, a day at most, with no answers or no contact. He was very attentive, hospitable and knowledgeable, and the customer service was fantastic. Overall, it was a great experience with Cameron, apart from everything else that was outside of both his and my control. ClearPath is very competitive, as far as percentage rates, and what they're able to do. Of the three companies that I was quoting, they were the best. Because I was already a return customer, I got a little more leeway with them as far as price and breaks.
Reviewed Aug. 6, 2023
The reps I worked with were very professional and knowledgeable. I feel good about the rates and terms I got.
Reviewed Aug. 3, 2023
We called to see what ClearPath could get done, and they were able to do what my father needed. It was a lot of paperwork. We were taking my mother's name off the house 'cause she passed away so there was extra stuff that we had to look for but they made it as painless as possible. Everybody I talked to was awesome. I would recommend them.
Reviewed Aug. 2, 2023
I applied for a remortgage through ClearPath and the process was complicated. It took about a month to complete and we had trouble getting some papers signed, but the communication was pretty good.
Reviewed Aug. 2, 2023
From both of my experiences with ClearPath, they're people of their word and they're very responsive. If things have to change, they let me know. The application process was easy and simple. If I had questions, I could call and get a response right away. Each of their reps I dealt with were nice and patient. They addressed all of my concerns.
Reviewed Aug. 2, 2023
We refinanced twice with ClearPath. The application process was smooth and quick. The interest rate could have been improved, but they had the best one at the time. The rep I worked with was also straightforward.
Reviewed July 23, 2023
Working with them was painless. I liked their online process. I love my rate and terms I couldn't ask for anything more. I recommend ClearPath.
Reviewed July 23, 2023
I did a cash-out refinance with ClearPath. The gentleman assigned to my case was very knowledgeable. I loved that it wasn't a "we have to do this to get the sale" type of experience. It was "here are your options, let me know how you feel about it." So providing me with information and empowering me to make a decision or what I believe would work best for me sold me on why I should work with them.
My loan officer did not move forward until she had clarity on everything. She would send the email saying, "Hey, I reviewed these things. I have some questions. Can we follow up on these things?" Each week, I was able to be given an update. So if something did not go as planned or if there were some new things that popped up, she was very communicative. I saved a bunch of money going through ClearPath who assigned me to the same servicer who tried to charge me a higher interest rate, and that was ironic.
Reviewed July 23, 2023
The application process was smooth and from application to closing was less than a month. Also, the rep I worked with was friendly and very supportive on everything.
Reviewed July 23, 2023
Four years ago, ClearPath did one of my remortgages and they've always kept in touch with me. I ended up getting another mortgage through a different company and when I wanted to get an equity loan, I went back to them. They offered me what I thought was the best deal. According to them, I had just about everything that they needed. It was a great experience for both of us and we had it all done within a week or so. I worked with Steve and he made sure I got all the details so I knew what was out there and what was available. Also, my husband was a vet and he was able to help me with some of that stuff. I would tell others that my experience with ClearPath has been good.
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