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

Promptness

Not enough data

—/5

No quote responses measured yet

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

3/5

Pull Through

Closing strength

Strong

Top 40% of lenders

4/5

By Loan Product· Specialization by type

Conventional

181 loans · 0.21% above market

Strong

Top 40% of lenders

4/5

Jumbo

11 loans · 0.01% above market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

170 loans · 0.18% above market

Strong

Top 40% of lenders

4/5

Refinance

28 loans · 0.20% above market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Regional · 2 markets

Strong

Top 40% of lenders

4/5

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

4Full-year 2024 · HMDA

Loans originated

< 2020+None

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 the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 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.