Today we’ll take a look at “eClick Lending,” which is the online mortgage division of parent company Celebrity Home Loans, LLC.

Their motto is to point, click, and save, a reference to their simplified digital loan process and what they refer to as “incredibly low rates.”

The company seems to be very well regarded from its past customers, with excellent reviews across different ratings websites.

Let’s learn more to determine if they’re really as good as they sound.

eClick Lending Fast Facts

• Direct-to-consumer online mortgage lender that offers home purchase and refinance loans
• Founded in 2007, headquartered in Oakbrook Terrace, Illinois
• A dba of parent company Celebrity Home Loans, LLC
• Licensed to do business in 38 states and the District of Columbia
• Funds several billion in home loans annually

eClick Lending is a direct-to-consumer mortgage lender that operates online, meaning you’ll be working from afar to close your home loan.

They offer both home purchase loans for home buyers and refinance loans for existing homeowners.

As mentioned, they are a dba of Celebrity Home Loans, which apparently does several billion in loan origination volume annually.

At the moment, the company is licensed to do business in 38 states and the District of Columbia.

Those states include: Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Florida, Georgia, Idaho, Illinois, Indiana, Kansas, Kentucky, Maine, Maryland, Michigan, Minnesota, Missouri, Mississippi, Montana, Nevada, New Hampshire, New Jersey, New Mexico, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, Tennessee, Texas, Utah, Virginia, Washington, West Virginia, Wisconsin, and Wyoming.

One nice feature about them is their loan officers are apparently available seven days a week, so there should always be someone around to help.

How to Apply with eClick Lending

• To get started visit their website or call them up on the phone
• If you go online you’ll need to fill out a short form and a loan officer will get in touch to discuss pricing and eligibility
• They offer a digital mortgage application that lets you complete most tasks electronically
• Once submitted you can manage your loan via their smartphone app or online borrower portal

You can either call them directly or visit their website to begin the loan process. Those who choose to go online can click on “Get Started Now.”

From there, you can select a short contact form to fill out for either a purchase, refinance, or mortgage pre-approval.

At that point, a loan officer will reach out to discuss loan pricing and available loan programs, and if you like what you hear, you’ll be able to formally apply.

They offer both a digital mortgage application and a free smartphone app, so you’ve got options when it comes to applying.

Once your loan is submitted, you’ll be able to view your progress, securely upload any necessary documents, and message your loan officer whenever you need assistance.

Because they’re a direct lender, every step of the mortgage process is completed in-house, which should speed things up and keep your personal details more secure.

This includes loan processing, underwriting, closing, and the funding of your home loan.

All in all, they appear to make it easy to apply for a home loan thanks to the use of all the latest technology available.

Loan Programs Offered by eClick Lending

• Home purchase loans
• Refinance loans: rate and term and cash out
• Conforming loans backed by Fannie/Freddie
• Jumbo home loans
• FHA loans
• VA loans
• Fixed-rate and adjustable-rate mortgages in various loan terms

eClick Lending’s website is a little light on details when it comes to available loan programs, but they do offer home purchase and refinance loans, including cash out refinances.

In fact, they refer to themselves as cash out experts with unparalleled customer service. So existing homeowners who want to tap their equity may find them to be a good fit.

They also help home buyers, and say they can close loans in as a little as two weeks if you’re on a tight schedule.

It’s possible to get a conventional loan backed by Fannie Mae or Freddie Mac, a government loan such as an FHA loan or VA loan, or a jumbo loan that exceeds the conforming loan limit.

However, they may not offer USDA loans, as it’s not made clear on their website.

But you should be able to choose from a fixed-rate mortgage or an ARM, including a 30-year fixed, 15-year fixed, or a 5/1 ARM.

While they don’t appear to have a super expansive lending menu, they should be able to assist most homeowners in a variety of different scenarios.

eClick Lending Mortgage Rates

eClick Lending says it has incredibly low rates, but for whatever reason doesn’t post them online for us to see.

As such, we’ve got to take their word for it until actually speaking with a loan officer.

This isn’t necessarily a bad thing, but lenders do gain transparency points when they take the time to publicize their mortgage rates.

To get pricing, you’ll need to reach out to a loan officer, either by calling them directly or filling out a short contact form on their website.

Also be sure to inquire about any lender fees, such as a loan origination fee, or separate charges for loan processing and/or underwriting.

Once you know all those details, you can compare their mortgage APR to that of other lenders to see where they stand.

My assumption is they’re probably competitively priced because they’re an online mortgage lender with lower overhead and limited advertising (and lots of positive reviews).

And online lenders typically appeal to customers looking for low rates.

But always put in the time to gather multiple quotes to ensure it’s a good deal, or that a better one isn’t out there.

eClick Lending Reviews

Over at Zillow, eClick Lending has a near-perfect 4.97-star rating out of 5 from nearly 1,100 customer reviews.

That’s doubly impressive given the large number of reviews coupled with the excellent score.

At Bankrate, they have a perfect 5.0 rating from about 350 reviews, with 100% of reviews saying they would recommend this lender.

But wait, there’s more. On SocialSurvey, they have a 4.91-star rating from over 2,200 reviews.

And on Google, they’ve also got a 5-star rating from more than 400 reviews, so it’s clear they’re consistently making their clients very happy.

Lastly, eClick Lending’s parent company is an accredited business with the Better Business Bureau and currently has an ‘A+’ rating based on customer complaint history.

In summary, they say they make mortgages easy and have the technology and many positive reviews to back it up.

If they also offer low rates with limited lender fees, they could be a good choice for an existing homeowner looking to refinance, or even a home buyer who is comfortable working with a lender remotely.

eClick Lending Pros and Cons

The Good

• Offer a digital, paperless home loan process
• Can apply online and manage loan via borrower portal
• Claim to have very low mortgage rates
• Say they can close loans in as little as two weeks
• Excellent customer reviews from past customers
• Parent company is accredited with A+ BBB rating
• Free smartphone app

The Perhaps Not

• Not licensed in all states
• Don’t publicize their rates or fees
• No physical branch locations
• Do not offer USDA loans