# Clear Mountain Bank

> **Canonical URL:** https://saferate.com/lenders/clear-mountain-bank


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Clear Mountain Bank is a bank, headquartered in Bruceton Mills, WV, serving borrowers across 4 states, with 198 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 49% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 24% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300KNZ6E1MM7RQQ04
- **Headquarters:** Bruceton Mills, WV
- **Geographic Reach:** Regional
- **States Served:** 4
- **State List:** MD, PA, VA, WV
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 51/100
- Rating: ●●●○○ (3/5)

### Pull Through: Strong 😀
- Score: 76/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.182%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $987
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 198
- **Dollar Volume:** $65 million
- **Applications Received:** 269
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $328,283
- **Average Borrower Income:** $175,939
- **Average Property Value:** $428,485

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (63%)
- ⭐ **Purchase Gold Superstar** (63%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 64/100 | 181 | +0.209% | $970 | Strong 😀 |
| Jumbo | 41/100 | 11 | +0.014% | $1,075 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 154 loans, Score: 64/100 (Strong)
- Refinance: 27 loans, Score: 56/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 63/100 | 170 | $60M | +0.178% | Strong 😀 |
| Refinance | 56/100 | 28 | $5M | +0.202% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| WV | 175 | 1.13% | 86/100 |
| MD | 16 | 0.02% | 46/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Morgantown, WV | WV | 134 | 100/100 |
| Non |  | 54 | 49/100 |

## Where This Lender Ranks

Clear Mountain Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥈 **#2** in Morgantown, WV for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/morgantown-wv/best-mortgage-lenders/banks/va-loans)
- 🥈 **#2** in Morgantown, WV for Jumbo Loans
  - [View Full Rankings](https://saferate.com/morgantown-wv/best-mortgage-lenders/jumbo-loans)
- 🥈 **#2** in Morgantown, WV for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/morgantown-wv/best-mortgage-lenders/banks/jumbo-loans)
- 🥉 **#3** in West Virginia for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/west-virginia/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#5** in Morgantown, WV
  - [View Full Rankings](https://saferate.com/morgantown-wv/best-mortgage-lenders)
- 🏆 **#5** in Morgantown, WV Banks
  - [View Full Rankings](https://saferate.com/morgantown-wv/best-mortgage-lenders/banks)
- 🏆 **#6** in Morgantown, WV for Conventional Loans
  - [View Full Rankings](https://saferate.com/morgantown-wv/best-mortgage-lenders/conventional-loans)
- 🏆 **#6** in Morgantown, WV for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/morgantown-wv/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#6** in Morgantown, WV for VA Loans
  - [View Full Rankings](https://saferate.com/morgantown-wv/best-mortgage-lenders/va-loans)
- 🏆 **#10** in West Virginia Banks
  - [View Full Rankings](https://saferate.com/west-virginia/best-mortgage-lenders/banks)
- 🏆 **#10** in West Virginia for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/west-virginia/best-mortgage-lenders/banks/va-loans)
- 🏆 **#11** in West Virginia for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/west-virginia/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#15** in West Virginia
  - [View Full Rankings](https://saferate.com/west-virginia/best-mortgage-lenders)

## Frequently Asked Questions

### What loan types does Clear Mountain Bank offer?

Clear Mountain Bank offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Clear Mountain Bank offer mortgages?

Clear Mountain Bank offers mortgages in 4 states: MD, PA, VA, WV.

### How competitive are Clear Mountain Bank's mortgage rates?

Clear Mountain Bank has a pricing score of 51/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.182% above market average.

### What type of lender is Clear Mountain Bank?

Clear Mountain Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Bruceton Mills, WV.

### What is Clear Mountain Bank's loan approval success rate?

Clear Mountain Bank has a pull-through score of 76/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/clear-mountain-bank

### How to Cite

> "Clear Mountain Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/clear-mountain-bank

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