Lender in West Virginia · HMDA 2025
Clear Mountain Bank mortgages in West Virginia
Clear Mountain Bank's 2025 home-purchase and refinance lending in West Virginia, compared with all lenders in the state.
Clear Mountain Bank originated 221 owner-occupied single-family loans in West Virginia from 244 completed applications, making it the state's #19 lender by volume.
Its median conventional purchase loan costs were $4,020 versus $4,280 for all West Virginia lenders, at a median 30-year fixed rate of 6.49% (West Virginia: 6.624%).
Loans in WV
221
of 244 applications
Denial rate
3.3%
Purchase · WV 9.4%
Rate spread
−0.05 pts
Conv. · WV +0.16 pts
Loan amount
$315,000
Purchase · WV $225,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 213 | 198 | 3.3% | 6.490% | −0.05 pts | $4,020 | $315,000 |
| Refinance | 27 | 20 | 25.9% | — | −0.09 pts | $3,640 | $255,000 |
| Cash-out refinance | 4 | 3 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
West Virginia counties where Clear Mountain Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Monongalia County | 1 | 132 | 12.5% |
| Preston County | 1 | 41 | 18.3% |
| Braxton County | 9 | 2 | 3.5% |
| Marion County | 10 | 19 | 3.3% |
| Harrison County | 13 | 14 | 2.3% |
| Doddridge County | 13 | 1 | 4.3% |
| Randolph County | 15 | 2 | 1.4% |
| Pleasants County | 17 | 1 | 1.9% |
| Taylor County | 18 | 2 | 1.5% |
| Lewis County | 18 | 1 | 1.0% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology