Clear Mountain Bank Mortgage Rates, Fees & Info

Bruceton Mills, WV

LEI: 549300KNZ6E1MM7RQQ04

Tax ID: 55-0131840

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    Clear Mountain Bank is a smaller bank specializing in Home Purchase and Refi loans. Clear Mountain Bank has a high proportion of conventional loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Morgantown, Clarksburg, Fairmont, Pittsburgh, and Crestview among others. We have data for 32 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Clear Mountain Bank has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Clear Mountain Bank is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

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    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    30 Year Conventional Purchase 6.58% 4/21/24
    30 Year Conventional Refi 6.66% 4/21/24
    30 Year Cash-out Refi 6.39% 4/21/24
    30 Year VA Purchase 5.90% 4/21/24
    30 Year USDA Purchase 6.37% 4/21/24
    15 Year Conventional Purchase 6.73% 4/21/24
    15 Year Conventional Refi 6.51% 4/21/24
    15 Year Cash-out Refi 6.51% 4/21/24
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    Clear Mountain Bank Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Clear Mountain Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    909

    Origination Dollar Volume (All Markets)

    $231,055,000

    Employee count

    156 Show all (8) awards

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    MORGANTOWN, WV (FHA|USDA|VA) 601 $150,075,000 $249,709 $3,089 3.07%
    Outside of Metro Areas 107 $28,275,000 $264,252 $3,396 3.21%
    Clarksburg, WV (FHA|USDA|VA) 76 $19,830,000 $260,921 $3,059 2.92%
    Fairmont, WV (FHA|USDA|VA) 42 $8,980,000 $213,810 $3,419 2.88%
    PITTSBURGH, PA (FHA|USDA|VA) 31 $8,075,000 $260,484 $4,319 3.24%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $2,425,000 $2,425,000 $13,655 3.63%
    HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 8 $1,560,000 $195,000 $2,746 2.89%
    CHARLESTON, WV (FHA|USDA|VA) 5 $1,445,000 $289,000 $3,450 2.92%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 3 $1,245,000 $415,000 $2,594 2.17%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 1 $905,000 $905,000 $0 3.75%
    Elkins, WV (FHA|USDA|VA) 5 $775,000 $155,000 $3,212 3.73%
    CUMBERLAND, MD-WV (FHA|USDA|VA) 2 $640,000 $320,000 $3,908 2.75%
    Somerset, PA (FHA|USDA|VA) 3 $585,000 $195,000 $3,567 2.46%
    Key West, FL (FHA|USDA|VA) 1 $545,000 $545,000 $6,785 2.50%
    Marietta, OH (FHA|USDA|VA) 2 $510,000 $255,000 $2,818 2.38%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 1 $465,000 $465,000 $4,631 2.75%
    GRAND JUNCTION, CO (FHA|USDA|VA) 1 $465,000 $465,000 $0 2.38%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 1 $445,000 $445,000 $2,803 3.25%
    WINSTON-SALEM, NC (FHA|USDA|VA) 1 $445,000 $445,000 $2,865 2.88%
    WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) 3 $425,000 $141,667 $3,015 2.83%
    WINCHESTER, VA-WV (FHA|USDA|VA) 2 $390,000 $195,000 $2,652 2.56%
    GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 1 $385,000 $385,000 $3,074 2.38%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 2 $320,000 $160,000 $3,024 3.13%
    Findlay, OH (FHA|USDA|VA) 1 $245,000 $245,000 $3,170 2.88%
    MORRISTOWN, TN (FHA|USDA|VA) 1 $235,000 $235,000 $2,750 2.88%
    Morehead City, NC (FHA|USDA|VA) 1 $235,000 $235,000 $2,813 3.99%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 1 $215,000 $215,000 $2,424 2.50%
    WILMINGTON, NC (FHA|USDA|VA) 1 $205,000 $205,000 $1,999 2.38%
    HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 1 $195,000 $195,000 $2,379 2.50%
    BECKLEY, WV (FHA|USDA|VA) 1 $195,000 $195,000 $2,527 2.88%
    WHEELING, WV-OH (FHA|USDA|VA) 1 $165,000 $165,000 $2,423 2.50%
    Bluefield, WV-VA (FHA|USDA|VA) 1 $155,000 $155,000 $2,897 2.38%
    Clear Mountain Bank's top markets include Morgantown, Clarksburg, Fairmont, Pittsburgh, and Crestview among others.

    Their top states include:
  • West Virginia (FHA|USDA|VA)
  • Maryland (FHA|USDA|VA)
  • Pennsylvania (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • North Carolina (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against Clear Mountain Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    FAIRMONT
    Similarity Rank: 27
    TRI BORO
    Similarity Rank: 208
    WELCOME HOME FINANCE, L.P.
    Similarity Rank: 414
    HANCOCK COUNTY SAVINGS BANK, FSB, INC.
    Similarity Rank: 524
    Standard Bank, PaSB
    Similarity Rank: 584
    First Federal Savings and Loan Association of Greene Co
    Similarity Rank: 837
    AmeriServ Financial Bank
    Similarity Rank: 1120
    Community Bank
    Similarity Rank: 1260
    InFirst Bank
    Similarity Rank: 1450
    The Farmers National Bank of Emlenton
    Similarity Rank: 1476

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 896 $228,340,000 $254,844 $3,159 3.06%
    USDA 10 $1,760,000 $176,000 $4,774 2.48%
    VA 3 $955,000 $318,333 $5,812 2.63%

    For 2021, Clear Mountain Bank's most frequently originated type of loan was Conventional, with 896 originations. Their 2nd most popular type was USDA, with 10 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 402 $117,260,000 $291,692 $3,626 3.38%
    Refi 328 $76,920,000 $234,512 $2,783 2.78%
    Cash Out Refi 176 $36,660,000 $208,295 $3,063 2.81%
    Home Improvement 3 $215,000 $71,667 $857 4.45%

    For 2021, Clear Mountain Bank's most frequently cited loan purpose was Home Purchase, with 402 originations. The 2nd most popular reason was Refi, with 328 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 497 $127,395,000 $256,328 $3,198 2.93%
    15 Year 211 $45,395,000 $215,142 $2,824 2.80%
    20 Year 95 $21,475,000 $226,053 $2,931 3.03%
    30+ year 63 $23,845,000 $378,492 $4,535 4.42%
    Other 22 $3,830,000 $174,091 $2,808 4.06%
    10 Year 19 $3,245,000 $170,789 $2,495 3.56%
    1 Year 1 $255,000 $255,000 $0 4.00%
    3 Year 1 $5,615,000 $5,615,000 $0 4.00%

    For 2021, Clear Mountain Bank's most frequently cited loan duration was 30 Year, with 497 originations. The 2nd most popular length was 15 Year, with 211 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 725 $175,035,000 $241,428
    $1k-2k 62 $19,160,000 $309,032
    $2k-3k 14 $7,000,000 $500,000
    $3k-4k 4 $1,430,000 $357,500
    $5k+ 2 $590,000 $295,000

    Clear Mountain Bank's average total fees were $3,198, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 725 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 311 $75,375,000 $242,363
    <2.5% 296 $71,550,000 $241,723
    3-4% 186 $59,810,000 $321,559
    4-5% 97 $22,965,000 $236,753
    5-6% 12 $870,000 $72,500
    6-7% 4 $340,000 $85,000
    7-8% 2 $80,000 $40,000
    Over 8% 1 $65,000 $65,000

    During 2021, Clear Mountain Bank's average interest rate for loans was 2.93%, while their most frequently originated rate bucket for loans was 2.5-3%, with 311 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 365 $100,295,000 $274,781 $3,283 2.90%
    $100k-200k 307 $45,545,000 $148,355 $2,867 2.96%
    $100,000 or less 114 $8,010,000 $70,263 $2,495 3.74%
    $400k-600k 93 $44,345,000 $476,828 $3,935 2.88%
    $600k-1MM 24 $19,120,000 $796,667 $4,904 3.90%
    $1MM+ 6 $13,740,000 $2,290,000 $7,981 3.83%

    2021 saw Clear Mountain Bank place emphasis on $200k-400k loans with 365 originations, totaling $100,295,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 191 $46,195,000 $241,859 $3,154 3.02%
    $50k-75k 172 $30,770,000 $178,895 $3,029 2.93%
    $150k-250k 141 $46,115,000 $327,057 $3,358 2.91%
    $75k-100k 129 $26,045,000 $201,899 $3,115 2.92%
    $50k or less 102 $11,370,000 $111,471 $2,876 3.17%
    $250k+ 87 $43,425,000 $499,138 $3,857 2.94%

    Clear Mountain Bank lent most frequently to those with incomes in the $100k-150k range, with 191 originations. The second most popular income band? $50k-75k, with 172 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 266 $69,550,000 $261,466 $3,219 2.89%
    <20% 149 $36,555,000 $245,336 $2,999 2.62%
    30-36% 134 $31,850,000 $237,687 $3,176 3.17%
    37% 31 $8,715,000 $281,129 $3,470 3.18%
    40% 29 $5,665,000 $195,345 $3,047 3.14%
    38% 27 $5,405,000 $200,185 $3,256 3.38%
    36% 25 $5,175,000 $207,000 $3,224 2.94%
    44% 23 $6,715,000 $291,957 $3,577 3.07%
    43% 22 $3,800,000 $172,727 $2,850 2.91%
    42% 21 $5,555,000 $264,524 $3,306 3.16%
    41% 21 $5,695,000 $271,190 $3,519 3.40%
    39% 19 $4,585,000 $241,316 $3,162 3.41%
    45% 15 $2,995,000 $199,667 $2,892 3.22%
    46% 13 $3,875,000 $298,077 $3,188 2.69%
    49% 12 $3,270,000 $272,500 $3,346 2.84%
    48% 8 $2,430,000 $303,750 $3,624 2.78%
    47% 6 $2,170,000 $361,667 $3,616 2.96%
    50-60% 2 $880,000 $440,000 $3,385 3.43%

    Clear Mountain Bank lent most frequently to those with DTI ratios of 20-30%, with 266 originations. The next most common DTI ratio? <20%, with 149 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    Not provided 492 $126,910,000 $257,947 $3,208 2.94%
    White 338 $78,490,000 $232,219 $3,164 3.04%
    Not applicable 71 $23,965,000 $337,535 $0 3.91%
    Black 4 $770,000 $192,500 $2,775 2.50%
    Asian 2 $640,000 $320,000 $3,514 2.56%
    American Indian 1 $155,000 $155,000 $3,104 4.88%
    Native Hawaiian or Islander 1 $125,000 $125,000 $2,868 3.00%

    Approval Rates

    Total approvals of all applications
    94.93%

    Clear Mountain Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    84.71%

    Clear Mountain Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    135.0 4 $190,000 $47,500
    NA 905 $230,865,000 $255,099

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    909 $231,055,000 $254,186

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 49 $7,925,000 $161,735 $2,832 2.75%
    40-60% 139 $29,275,000 $210,612 $2,839 2.70%
    60-80% 360 $94,270,000 $261,861 $3,116 3.02%
    80-100% 343 $96,675,000 $281,851 $3,474 3.22%
    Over 100% 5 $1,385,000 $277,000 $5,491 3.65%
    Under 20% 12 $1,420,000 $118,333 $1,579 4.55%

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    Clear Mortgage Capital, Inc. Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 2 100.0%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Clear Mountain Bank 102 Venture Dr., Suite 1 Morgantown, WV 26508 Full Service B&M $160,341
    Clear Mountain Bank 1085 Van Voorhis, Suite 150 Morgantown, WV 26505 Full Service B&M $50,478
    Clear Mountain Bank 1101 East State Street Terra Alta, WV 26764 Full Service B&M $57,898
    Clear Mountain Bank 115 North Robert Stone Way Reedsville, WV 26547 Full Service B&M $55,926
    Clear Mountain Bank 12730 Garrett Highway Oakland, MD 21550 Full Service B&M $64,180
    Clear Mountain Bank 15 Sweetbrier Lane Bridgeport, WV 26330 Full Service B&M $25,686
    Clear Mountain Bank 160 Morgantown St Bruceton Mills, WV 26525 Full Service B&M $86,550
    Clear Mountain Bank 1851 Earl Core Rd. Morgantown, WV 26505 Full Service Retail $113,439
    Clear Mountain Bank 30 East Main Street Rowlesburg, WV 26425 Full Service B&M $16,510
    Clear Mountain Bank 330 East Main Street Kingwood, WV 26537 Full Service B&M $95,685
    Clear Mountain Bank 502 Suncrest Town Center Drive Morgantown, WV 26505 Full Service Retail $6,861

    For 2021, Clear Mountain Bank had 11 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $31,059
    Net interest income $28,336
    Total noninterest income $9,442
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $1,493
    Trading account gains and fees $0
    Additional Noninterest Income $7,949
    Pre-tax net operating income $14,285
    Securities gains (or losses, -) $33
    Income before extraordinary items $11,349
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $11,349
    Minority interest net income $0
    Net income $11,349
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $11,322

    Clear Mountain Bank's gross interest income from loans was $31,059,000.
    Clear Mountain Bank's net interest income from loans was $28,336,000.
    Clear Mountain Bank's fee based income from loans was $1,493,000.
    Clear Mountain Bank's net income from loans was $11,349,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $2,723
    Provision for credit losses $325
    Total noninterest expense $23,168
    Salaries and employee benefits $12,434
    Premises and equipment expense $2,387
    Additional noninterest expense $8,347
    Applicable income taxes $2,969
    Net charge-offs $124
    Cash dividends $4,025

    Clear Mountain Bank's interest expense for loans was $2,723,000.
    Clear Mountain Bank's payroll and benefits expense were $12,434,000.
    Clear Mountain Bank's property, plant and equipment expenses $2,387,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $770,089
    Deposits held in domestic offices $770,089
    Deposits by Individuals, partnerships, and corporations $715,876
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $53,128
    Deposits by Commercial banks and other depository institutions in U.S. $1,085
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $72,750
    Demand deposits $59,610
    Nontransaction accounts $697,339
    Money market deposit accounts (MMDAs) $121,428
    Other savings deposits (excluding MMDAs) $412,902
    Total time deposits $163,008
    Total time and savings deposits $710,479
    Noninterest-bearing deposits $275,768
    Interest-bearing deposits $494,321
    Retail deposits $733,823
    IRAs and Keogh plan accounts $32,059
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $873,423
    Cash & Balances due from depository institutions $60,646
    Interest-bearing balances $51,893
    Total securities $234,944
    Federal funds sold & reverse repurchase $0
    Net loans and leases $535,912
    Loan and leases loss allowance $9,697
    Trading account assets $0
    Bank premises and fixed assets $15,268
    Other real estate owned $85
    Goodwill and other intangibles $909
    All other assets $25,659

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $873,423
    Total Liabilities $774,955
    Total deposits $770,089
    Interest-bearing deposits $494,321
    Deposits held in domestic offices $770,089
    % insured (estimated) $81
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $0
    Subordinated debt $0
    All other liabilities $4,866

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $535,912
    Loan and leases loss allowance $9,697
    Total loans and leases (domestic) $545,609
    All real estate loans $445,934
    Real estate loans in domestic offices $445,934
    Construction and development loans $56,865
    Residential 1-4 family construction $16,152
    Other construction, all land development and other land $40,713
    Loans secured by nonfarm nonresidential properties $147,707
    Nonfarm nonresidential secured by owner-occupied properties $89,152
    Commercial real estate & other non-farm, non-residential $58,555
    Multifamily residential real estate $21,637
    1-4 family residential loans $218,438
    Farmland loans $1,287
    Loans held in foreign offices $0
    Farm loans $15
    Commercial and industrial loans $66,222
    To non-U.S. addressees $0
    Loans to individuals $29,360
    Credit card loans $2,046
    Related Plans $633
    Consumer Auto Loans $8,264
    Other loans to individuals $18,417
    All other loans & leases $4,078
    Loans to foreign governments and official institutions $0
    Other loans $77
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $1,298
    Non 1-4 family restructured loans & leases $671
    Total loans and leases (foreign) $0

    Clear Mountain Bank had $535,912,000 of loans outstanding in 2021. $445,934,000 of loans were in real estate loans. $56,865,000 of loans were in development loans. $21,637,000 of loans were in multifamily mortgage loans. $218,438,000 of loans were in 1-4 family mortgage loans. $15,000 of loans were in farm loans. $2,046,000 of loans were in credit card loans. $8,264,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 273 $64,236 $235,297
    Nonfarm, nonresidential loans - <$100k 59 $2,709 $45,915
    Nonfarm, nonresidential loans - $100-250k 87 $11,432 $131,402
    Nonfarm, nonresidential loans - $250k-1MM 127 $50,095 $394,449
    Commercial & Industrial, US addressed loans - <$1MM 664 $45,438 $68,431
    Commercial & Industrial, US addressed loans - <$100k 502 $13,135 $26,165
    Commercial & Industrial, US addressed loans - $100-250k 103 $10,840 $105,243
    Commercial & Industrial, US addressed loans - $250k-1MM 59 $21,463 $363,780
    Farmland loans - <$1MM 11 $1,287 $117,000
    Farmland loans - <$100k 2 $43 $21,500
    Farmland loans - $100-250k 4 $321 $80,250
    Farmland loans - $250k-1MM 5 $923 $184,600
    Agriculture operations loans - <$1MM 1 $15 $15,000
    Agriculture operations loans - <$100k 1 $15 $15,000