Bank of Clarke
Bank of Clarke received 430 applications in 2025 and made 284 mortgages, in 61 counties across 16 states. The median rate its borrowers got was Not published on a median loan of $355,000. Of 343 decisions, 57 were denials — 16.6%.
| Legal Entity Identifier | 5493002Z2Z7DV758IU60 |
|---|---|
| Applications received | 430 |
| Mortgages made | 284 |
| Denied | 57 |
| Approved, not taken up | 2 |
| Withdrawn or incomplete | 87 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Bank Of Clarke, 14 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 209 | Not published | $385,000 | 11.3% |
| Refinancing | 31 | Not published | $305,000 | 13.9% |
| Cash-out refinancing | 17 | Not published | $205,000 | 32.0% |
| Other purposes | 27 | Not published | $85,000 | 38.6% |
Where Bank of Clarke lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Frederick County, VA | 77 | Not published | 22.2% |
| Fairfax County, VA | 34 | Not published | 12.8% |
| Winchester city, VA | 23 | Not published | 11.5% |
| Loudoun County, VA | 21 | Not published | 25.0% |
| Prince William County, VA | 18 | Not published | 10.0% |
| Clarke County, VA | 13 | Not published | 23.5% |
| Berkeley County, WV | 11 | Not published | 8.3% |
| Prince George's County, MD | 8 | Under 10 loans | 11.1% |
| Warren County, VA | 8 | Under 10 loans | 11.1% |
| Charles County, MD | 7 | Under 10 loans | 0.0% |
| Montgomery County, MD | 5 | Under 10 loans | 0.0% |
| Shenandoah County, VA | 5 | Under 10 loans | 16.7% |
| Jefferson County, WV | 5 | Under 10 loans | 16.7% |
| Anne Arundel County, MD | 4 | Under 10 loans | 20.0% |
| Baltimore County, MD | 4 | Under 10 loans | 0.0% |
| District of Columbia, DC | 2 | Under 10 loans | 0.0% |
| Culpeper County, VA | 2 | Under 10 loans | 33.3% |
| Alexandria city, VA | 2 | Under 10 loans | 33.3% |
| Virginia Beach city, VA | 2 | Under 10 loans | 0.0% |
| Hampshire County, WV | 2 | Under 10 loans | 33.3% |
| Morgan County, WV | 2 | Under 10 loans | 0.0% |
| Lee County, FL | 1 | Under 10 loans | 0.0% |
| Polk County, FL | 1 | Under 10 loans | 0.0% |
| Forsyth County, GA | 1 | Under 10 loans | 0.0% |
| Rock Island County, IL | 1 | Under 10 loans | 0.0% |
| St. Joseph County, IN | 1 | Under 10 loans | 0.0% |
| Scott County, IA | 1 | Under 10 loans | 0.0% |
| Allegany County, MD | 1 | Under 10 loans | 0.0% |
| Calvert County, MD | 1 | Under 10 loans | 50.0% |
| Frederick County, MD | 1 | Under 10 loans | 0.0% |
| Washington County, MD | 1 | Under 10 loans | 0.0% |
| Middlesex County, NJ | 1 | Under 10 loans | 0.0% |
| Onondaga County, NY | 1 | Under 10 loans | 0.0% |
| Johnston County, NC | 1 | Under 10 loans | 0.0% |
| Delaware County, OH | 1 | Under 10 loans | 0.0% |
| Cumberland County, PA | 1 | Under 10 loans | 0.0% |
| Tarrant County, TX | 1 | Under 10 loans | 0.0% |
| Albemarle County, VA | 1 | Under 10 loans | 0.0% |
| Arlington County, VA | 1 | Under 10 loans | 33.3% |
| Chesterfield County, VA | 1 | Under 10 loans | 0.0% |
| Fauquier County, VA | 1 | Under 10 loans | 50.0% |
| Hanover County, VA | 1 | Under 10 loans | 0.0% |
| Henry County, VA | 1 | Under 10 loans | 0.0% |
| Lancaster County, VA | 1 | Under 10 loans | 0.0% |
| Louisa County, VA | 1 | Under 10 loans | 0.0% |
| Richmond County, VA | 1 | Under 10 loans | 0.0% |
| Spotsylvania County, VA | 1 | Under 10 loans | 0.0% |
| Stafford County, VA | 1 | Under 10 loans | 0.0% |
| Richmond city, VA | 1 | Under 10 loans | 0.0% |
| Mason County, WV | 1 | Under 10 loans | 0.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.