Clear Mountain Bank in West Virginia vs the state
5.8%Denial rate-15.37 pts vs state
6.7%Decision denial rate-19.99 pts vs state
78.5%Origination rate+23.66 pts vs state
6.38%Median rate-0.25 pts vs state
0.04Rate spread (pts)-0.36 pts vs state
$122kMedian applicant income
364Loans originated
27Denied
Trend in West Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 331 | 245 | 9.4% | 6.88% | #31 |
| 2024 | 362 | 273 | 7.2% | 7.38% | #32 |
| 2025 | 464 | 364 | 5.8% | 6.38% | #29 |
What Clear Mountain Bank lends in West Virginia
By loan purpose
By loan type
Why it denied West Virginia applicants
Where in West Virginia
Counties with the most Clear Mountain Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Monongalia County | 222 | 184 | 8 | 3.6% |
| Preston County | 96 | 70 | 7 | 7.3% |
| Marion County | 58 | 48 | 1 | 1.7% |
| Harrison County | 34 | 24 | 3 | 8.8% |
| Braxton County | 11 | 8 | 3 | 27.3% |
| Taylor County | 6 | 6 | 0 | 0.0% |
| Nicholas County | 4 | 3 | 1 | 25.0% |
| Ohio County | 3 | 3 | 0 | 0.0% |
| Putnam County | 3 | 3 | 0 | 0.0% |
| Tucker County | 3 | 2 | 0 | 0.0% |
Other large lenders in West Virginia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 3,615 | 23.0% | 6.88% |
| Vanderbilt Mortgage and Finance | F | 3,214 | 38.5% | 9.99% |
| City National Bank of West Virginia | C | 2,870 | 25.0% | 6.29% |
| The Huntington National Bank | D | 2,194 | 28.1% | 7.00% |
| Truist Bank | C | 1,776 | 31.1% | 6.63% |
| Loandepot.Com | D | 1,624 | 18.7% | 6.58% |
| Mortgage Research Center | C | 1,592 | 17.4% | 6.25% |
| WesBanco Bank | B | 1,475 | 16.7% | 6.01% |
| Movement Mortgage | A | 1,167 | 5.4% | 6.63% |
| Crosscountry Mortgage | B | 1,140 | 4.0% | 6.58% |
Frequently asked questions
West Virginia: 464 applications in 2025, of which 364 were originated and 27 denied.
5.8% of all applications, or 6.7% of the applications it actually decided on. The West Virginia statewide average across all lenders was 21.2%.
The median rate on loans Clear Mountain Bank originated in West Virginia in 2025 was 6.38%, against a statewide median of 6.62%.
About this data. Figures are Clear Mountain Bank's own HMDA filing for properties located in West Virginia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology