Clear Mountain Bank mortgage approval rate & lending review
Clear Mountain Bank decided 494 mortgage applications and funded 444 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Clear Mountain Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Clear Mountain Bank at a glance
Approval is 7.4 points above the 85.5% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 95% | 338 / 354 | 97% | $315K | 328 |
| Refinance | 63% | 24 / 38 | 88% | $215K | 21 |
| Investment property purchase | 99% | 72 / 73 | 97% | $175K | 70 |
Clear Mountain Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| West Virginia | 93% | $315K | 452 | 406 |
| Pennsylvania | 89% | $195K | 28 | 25 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Clear Mountain Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Monongalia County, WV | Mortgage lenders | 96% | 325 | 302 |
| Monongalia County, WV | Investment property purchase | 98% | 62 | 60 |
| Monongalia County, WV | Refinance | 64% | 36 | 20 |
The county markets where Clear Mountain Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Clear Mountain Bank
What is Clear Mountain Bank's mortgage approval rate?
Clear Mountain Bank approved 92.9% of the 494 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 7.4 points above the 85.5% national rate for the same mix of loan types.
How often do borrowers take the loan Clear Mountain Bank offers?
Borrowers accepted 97% of the loans Clear Mountain Bank approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Clear Mountain Bank make?
The typical home purchase mortgage loan Clear Mountain Bank made was $315K; across all loan types its typical loan ran from $175K to $315K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Clear Mountain Bank lend?
Clear Mountain Bank decided applications in 10 of the states Fat Boy Data covers, most of them in West Virginia, Pennsylvania and South Carolina.
Can I apply to Clear Mountain Bank directly?
Yes. Clear Mountain Bank is a bank or credit union with 12 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Clear Mountain Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Clear Mountain Bank treats applications, then get a rate quote from the lender.