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 score and performance metrics.

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 an overall pricing score of 51.1/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Clear Mountain Bank?

Clear Mountain Bank is a Bank headquartered in Bruceton Mills, WV.

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Clear Mountain Bank

Bank•Bruceton Mills, WVHQ•Direct•Reviews near you on Google

Clear Mountain Bank has 198 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Sound

3/5

vs. all lenders

Pull-through

Strong

4/5

closing strength

Product

Strong

4/5

Conventional · Jumbo

Place

Exceptional

5/5

Regional · 1 mkts

Awards

Conventional

Superstar

Purchase

Superstar

Summary

What They Do Well

Strong pull through performance

Explore another lender or local market

Report Card

Clear Mountain Bank performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Sound

+18.2 bps above market avg

Pull Through

Closing strength

Strong

Top 40% of lenders

By Loan Product· Specialization by type

Conventional

Strong

Top 40% of lenders

Jumbo

Sound

Top 60% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Strong

Top 40% of lenders

Refinance

Sound

Top 60% of lenders

By Location· Geographic coverage

Geographic Reach

Regional · 2 markets

Strong

Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Strong	Strong	Sound	Strong	181	91.4%	+0.209%Above	$970Fees
Jumbo Loans	Sound	Sound	—	—	11	5.6%	+0.014%Above	$1,075Fees

Conventional

Overall

Strong

Product

Strong

Pricing

Sound

Pull Through

Strong

Volume181

Mix91.4%

Spread

+0.209%Above

Fees

$970Fees

Jumbo Loans

Overall

Sound

Product

Sound

Pricing—

Pull Through—

Volume11

Mix5.6%

Spread

+0.014%Above

Fees

$1,075Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Strong	Sound	Strong	170	85.9%	+0.178%Above	$906Fees
Refinance	Sound	Sound	Acceptable	Strong	28	14.1%	+0.202%Above	$1,384Fees

Purchase

Overall

Strong

Product

Strong

Pricing

Sound

Pull Through

Strong

Volume170

Mix85.9%

Spread

+0.178%Above

Fees

$906Fees

Refinance

Overall

Sound

Product

Sound

Pricing

Acceptable

Pull Through

Strong

Volume28

Mix14.1%

Spread

+0.202%Above

Fees

$1,384Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

198

Applications

269

Volume

$65 million

Pricing & Closing

Avg Rate Spread

+0.182%

vs. market APOR

Avg Net Fees

$987

Origination − Credits

Pullthrough Rate

73.6%

Applications → Closed

Typical Borrower

Avg Loan Amount

$328,283

Avg Borrower Income

$175,939

Avg Property Value

$428,485

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Exceptional

5/5

States with Loan Originations

Northeast1

South3

MDVAWV

Top Metro Areas by Place Specialization Score

Morgantown, WVMetro

Volume 134Mix 67.68% of portfolio

100/100

Exceptional

Top States by Place Specialization Score

West VirginiaState

Volume 175Mix 88.38% of portfolio

86/100

Exceptional

MarylandState

Volume 16Mix 8.08% of portfolio

46/100

Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts

Pricing

Rate and fee competitiveness (33%)

10/ 30 pts

Pull Through

Reliability in closing loans (33%)

10/ 30 pts

Product

Specialization in the loan type (33%)

💎

Champion(80%+ = 24-30 points)

⭐

Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.