Lenders › Clear Mountain Bank › West Virginia
Clear Mountain Bank in West Virginia
HMDA record for properties in West Virginia, calendar year 2024. National record · West Virginia overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Clear Mountain Bank's 2024 HMDA record for West Virginia covers 362 applications, 273 of them originated, worth $71m.
Its denial rate in the state was 8.6%, below the West Virginia rate of 28.3% across all lenders and compared with the lender's national rate of 8.7%.
The median rate spread on its West Virginia originations was 0.3 percentage points (state median 0.4).
Applications in the state were up 9% on 2023.
Compared with the state and the lender's national record
| Measure | In West Virginia | West Virginia, all lenders | Clear Mountain Bank, all states | United States |
|---|---|---|---|---|
| Denial rate | 8.6% | 28.3% | 8.7% | 24.3% |
| Median rate spread, pp | 0.3 | 0.4 | 0.3 | 0.3 |
| Originations with spread of 1.5 pp or more | 5.9% | 15.8% | 6.3% | 15.6% |
| Average originated loan | $261k | $195k | $271k | $329k |
| Home purchase share | 75.8% | 61.4% | 75.4% | 57.0% |
| FHA-insured share | 0.0% | 17.5% | 0.0% | 13.4% |
| VA-guaranteed share | 1.8% | 9.4% | 1.6% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateWest Virginia, all lenders
Loan purpose and loan type in West Virginia
By purpose
Home purchase 76% (207)Home improvement 1% (2)Refinancing 11% (31)Cash-out refinancing 4% (10)Other purpose 8% (23)
By type
Conventional 98% (267)VA 2% (5)USDA 0% (1)
Denial reasons as coded
Share of 26 denials in West Virginia by first denial reason coded (outlined bar: all lenders in the state).
Counties in West Virginia
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Monongalia County | 181 | 132 | $43m | 9.3% |
| Preston County | 85 | 66 | $12m | 7.0% |
| Harrison County | 28 | 23 | $4.2m | 4.0% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Clear Mountain Bank originate in West Virginia in 2024?
273 loans totalling $71m, from 362 applications reported for properties in West Virginia.
What is Clear Mountain Bank's denial rate in West Virginia?
8.6% of decided applications in West Virginia were denied, against 28.3% for all lenders in the state and 8.7% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which West Virginia counties does Clear Mountain Bank lend in most?
By originations: Monongalia County (132), Preston County (66), Harrison County (23).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in West Virginia. Built 1 Oct 2026; data through 1 Aug 2026. See methodology and corrections.