Clear Mountain Bank
Clear Mountain Bank received 519 applications in 2025 and made 411 mortgages, in 45 counties across 8 states. The median rate its borrowers got was 6.375% on a median loan of $245,000. Of 457 decisions, 31 were denials — 6.8%, most often for credit history.
| Legal Entity Identifier | 549300KNZ6E1MM7RQQ04 |
|---|---|
| Applications received | 519 |
| Mortgages made | 411 |
| Denied | 31 |
| Approved, not taken up | 15 |
| Withdrawn or incomplete | 62 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.039 points |
| FDIC-insured bank | Yes: Clear Mountain Bank, 11 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 330 | 6.250% | $255,000 | 3.1% |
| Refinancing | 43 | 6.625% | $245,000 | 19.6% |
| Cash-out refinancing | 7 | Under 10 loans | Under 10 loans | 36.4% |
| Other purposes | 31 | 7.250% | $85,000 | 13.9% |
Where Clear Mountain Bank lends most
The 45 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Monongalia County, WV | 184 | 6.250% | 4.0% |
| Preston County, WV | 70 | 6.250% | 8.8% |
| Marion County, WV | 48 | 6.800% | 2.0% |
| Garrett County, MD | 28 | 6.250% | 6.5% |
| Harrison County, WV | 24 | 6.500% | 10.7% |
| Braxton County, WV | 8 | Under 10 loans | 27.3% |
| Taylor County, WV | 6 | Under 10 loans | 0.0% |
| Fayette County, PA | 5 | Under 10 loans | 28.6% |
| Allegheny County, PA | 3 | Under 10 loans | 0.0% |
| Nicholas County, WV | 3 | Under 10 loans | 25.0% |
| Ohio County, WV | 3 | Under 10 loans | 0.0% |
| Putnam County, WV | 3 | Under 10 loans | 0.0% |
| Randolph County, WV | 3 | Under 10 loans | 0.0% |
| Allegany County, MD | 2 | Under 10 loans | 0.0% |
| Tucker County, WV | 2 | Under 10 loans | 0.0% |
| Upshur County, WV | 2 | Under 10 loans | 0.0% |
| Fayette County, KY | 1 | Under 10 loans | 0.0% |
| Anne Arundel County, MD | 1 | Under 10 loans | 0.0% |
| Mecklenburg County, NC | 1 | Under 10 loans | 0.0% |
| Fairfield County, OH | 1 | Under 10 loans | 0.0% |
| Union County, OH | 1 | Under 10 loans | 0.0% |
| Greene County, PA | 1 | Under 10 loans | 0.0% |
| Westmoreland County, PA | 1 | Under 10 loans | 0.0% |
| Berkeley County, SC | 1 | Under 10 loans | 0.0% |
| Horry County, SC | 1 | Under 10 loans | 0.0% |
| Cabell County, WV | 1 | Under 10 loans | 0.0% |
| Doddridge County, WV | 1 | Under 10 loans | 0.0% |
| Grant County, WV | 1 | Under 10 loans | 0.0% |
| Kanawha County, WV | 1 | Under 10 loans | 50.0% |
| Lewis County, WV | 1 | Under 10 loans | 0.0% |
| Mineral County, WV | 1 | Under 10 loans | 0.0% |
| Pleasants County, WV | 1 | Under 10 loans | 0.0% |
| Pocahontas County, WV | 1 | Under 10 loans | 0.0% |
| Yellow Medicine County, MN | 0 | Under 10 loans | Not published |
| Barbour County, WV | 0 | Under 10 loans | 100.0% |
| Berkeley County, WV | 0 | Under 10 loans | 100.0% |
| Calhoun County, WV | 0 | Under 10 loans | Not published |
| Clay County, WV | 0 | Under 10 loans | Not published |
| Fayette County, WV | 0 | Under 10 loans | 0.0% |
| Hampshire County, WV | 0 | Under 10 loans | Not published |
| Hancock County, WV | 0 | Under 10 loans | Not published |
| Marshall County, WV | 0 | Under 10 loans | Not published |
| Mercer County, WV | 0 | Under 10 loans | Not published |
| Webster County, WV | 0 | Under 10 loans | 100.0% |
| Wetzel County, WV | 0 | Under 10 loans | Not published |
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When Clear Mountain Bank’s figures are published for the next year, or restated.
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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.