Bank of Clarke: 2025 mortgage rates, costs & approvals
How Bank of Clarke priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: Bank of Clarke · LEI 5493002Z2Z7DV758IU60
In 2025, Bank of Clarke originated 195 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 14 states — 1266th by volume among the 2,017 lenders profiled here.
It denied 11.2% of completed home-purchase applications (all lenders: 8.5%).
How Bank of Clarke priced home-purchase loans
| Purchase loans, 2025 | Bank of Clarke | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | — | 6.625% |
| 30-year fixed rate · FHA | — | 6.250% |
| 30-year fixed rate · VA | — | 6.125% |
| 15-year fixed rate · conventional | — | 5.875% |
| Rate spread vs. APOR · conventional | — | +0.13 pts |
| Total loan costs · conventional | — | $5,570 |
| Total loan costs · FHA | — | $11,310 |
| Total loan costs · VA | — | $6,490 |
| Origination charges (all types) | — | $1,860 |
| Borrowers paying discount points | — | 51.3% |
| Points paid, when paid (% of loan) | — | 0.87% |
| Borrowers receiving lender credits | — | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Where Bank of Clarke lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| Virginia | 147 | 176 | 12.6% | — | — |
| Maryland | 24 | 27 | 8.7% | — | — |
| West Virginia | 13 | 15 | — | — | — |
| District of Columbia | 1 | 1 | — | — | — |
| Florida | 1 | 1 | — | — | — |
| Georgia | 1 | 1 | — | — | — |
| Iowa | 1 | 1 | — | — | — |
| Illinois | 1 | 1 | — | — | — |
| Indiana | 1 | 1 | — | — | — |
| North Carolina | 1 | 1 | — | — | — |
| New Jersey | 1 | 1 | — | — | — |
| New York | 1 | 1 | — | — | — |
| Ohio | 1 | 1 | — | — | — |
| Pennsylvania | 1 | 1 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Bank of Clarke's page for that state.
Counties where Bank of Clarke is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Clarke County, VA | 4 | 9 | 4.7% |
| Winchester city, VA | 6 | 12 | 3.4% |
| Frederick County, VA | 10 | 52 | 2.8% |
Check Bank of Clarke yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 5493002Z2Z7DV758IU60.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from Bank of Clarke with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology