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Last updated - September 18, 2025
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Clearpath Lending, a California-based mortgage broker, specializes in VA-guaranteed loans and refinancing for veterans and servicemembers across 22 states. Despite positive reviews on platforms like Trustpilot, the company faced a 2020 CFPB consent order for deceptive advertising, including false VA affiliations and misleading loan terms, resulting in a $625,000 fine.
Founder
High Risk
Based on the available data, we advise consumers to avoid this Company altogether.
This advisory is based on an aggregate risk score derived from OSINT, Adverse Media, Reviews, and Risk Factors identified in our research.
You are likely to be at great risk by engaging in any sort of consumer-related activity with this entity.
Medium Risk
Based on the available data, we advise employees to be mindful when considering or continuing work with this Company.
This advisory stems from a medium-risk score compiled from OSINT, Adverse Media, Reviews, and Risk Factors uncovered in our analysis.
Employment with this entity may involve moderate risks.
Based on the available data, we recommend investors and bankers proceed with caution regarding this Company.
This advisory is informed by a medium-risk score based on OSINT, Adverse Media, Reviews, and Risk Factors identified through our investigation.
Financial involvement with this entity may carry moderate risks to your interests.
Safe to Onboard
Enhanced Due Diligence required
Do Not Onboard
Monitor adverse media every 6 months
File SAR (Suspicious Activity Report) is warranted
Escalation to compliance committee
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In 2020, the CFPB issued a consent order against Clearpath Lending for deceptive advertising, including false VA affiliations and misleading loan terms, resulting in a $625,000 fine.
Consumers report misleading rate promises, poor communication, and inconsistent refinancing experiences, with 208 reviews on PissedConsumer and 195 complaints on Trustlink.
Clearpath’s mailers misrepresented credit terms, advertised unavailable rates, and falsely implied VA affiliation, violating the Consumer Financial Protection Act and Regulation Z
The Skeptic Files published a 2020 investigation into alleged misconduct, though it was removed, and the CFPB’s penalty was widely reported as part of a VA lender crackdown
While no direct fraud is confirmed, a PissedConsumer review alleged Clearpath lied about interest rates and skip-payment promises, indicating potential bait-and-switch tactics.
Opaque loan requirements, aggressive direct-mail campaigns, and a history of regulatory violations suggest predatory targeting of veterans and servicemembers
Regulatory and Compliance Screening
Litigation and Legal Proceedings
Reputational and Adverse Media Risks
Geographic and Jurisdictional Risk
What you see here scratches the surface
We offer reward for actionable intel
The article accuses ClearPath Lending of deceptive practices, including false affiliations and misleading loan modification tactics linked to Shawn Dj
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The article highlights ClearPath Lending CEO Amir Ali Omid, focusing on regulatory violations and consumer complaints over deceptive VA-loan practices
Other Red-Flags and Adverse News
Based on user engagement on this review profile, ProConsumer will decide to publish its Risk Audit report for public if a threshold engagement, traffic and user input is achieved.
Known Assets: [Real estate, investments, companies]
Suspicious Transactions
Liabilities: [Bankruptcies, defaults, debts]
Wealth Sources: [Legitimate / Unclear / High-risk]
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Business Model Assessment
All comments are user-generated content and may not be verified. They represent the personal opinions of the public and should not be relied upon. These comments do not influence or determine our overall rating.
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Highly experienced
Well-recognized name
Faced allegations of scamming others
Allegedly sold fake silver
Sued multiple times
Unregulated industry
Alarming number of complaints online
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I went into the refinance expecting clear guidance, but I ended up chasing answers and clarifications at every step. Each call brought slightly different information, and by the end, I felt more confused than reassured. I had hoped for transparency, but I often had to interpret the fine print on my own.
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I started the refinancing process hoping for better terms, but I ended up constantly following up just to get consistent answers about fees and rates.
I was promised a great deal by Clearpath Lending, but instead, I ended up with a loan that didn’t match the terms advertised. The financial consequences of their deception have caused significant emotional pain, and I regret trusting them with my mortgage.
Clearpath Lending’s deceptive practices ruined what should have been a smooth refinancing process. The false promises and inflated rates caused unnecessary financial strain, and the emotional sadness from this betrayal has been hard to shake. I’ll never forget the feeling of being taken advantage of by a company I trusted.
After working with Clearpath Lending, I feel completely deceived and emotionally drained. They falsely advertised VA affiliations, which led me to believe I was getting a better deal. Instead, I was met with high rates and hidden fees that have caused lasting financial strain and heartbreak😓
I trusted Clearpath Lending with my mortgage refinancing, but all I got in return was frustration and financial stress. Their loan terms didn’t match the initial promises, and I ended up paying far more than expected. The sadness of being misled during such a significant life event is something I won’t easily forget.
I trusted Clearpath Lending with my VA loan, only to be hit with false promises and rates that didn’t match what I was quoted. After the paperwork was signed, I discovered discrepancies in the terms and felt completely misled. The emotional frustration from being lied to while seeking help for my family’s future is unbearable, and the lack of accountability has left me feeling betrayed.
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