First in Morgantown
In Morgantown it ranked 1 of 173 lenders with 16.2% of the market, up from 11.4%. United Bank VA and The Huntington National Bank followed. It has lent there since 2004.
Applications / Mortgage Analytics / Lenders / West Virginia / Clear Mountain Bank
Clear Mountain Bank
Bruceton Mills, WV · State member bank · FRS · $985 million assets · 411 loans in 2025
Clear Mountain Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
411
loans originated, 2025
519
applications, 2025
7
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Clear Mountain Bank is the biggest mortgage lender in Morgantown, where its share jumped to 16.2% in 2025 as its loans rose 33%.
Growth, but below its peak
Originations rose 33% to 411, faster than at nearly nine in ten similar lenders (state member banks making between half and twice as many loans), where the typical rise was 6%. The count remains well below the 1,171 loans of 2020.
Buyers and manufactured homes
Home purchases were 80.3% of its loans. Manufactured homes were 12.7%, against 1.5% at peers. Its typical rate, 6.38%, was lower than at nearly nine in ten peers, and it turned down 3.3% of first-lien home-purchase applications, against 7.1%.
Fewer LMI borrowers than most peers
Low- and moderate-income (LMI) borrowers took 16.4% of its loans, against 28.0% at similar lenders, lower than at more than nine in ten. LMI neighborhoods took 18.9%, against 16.2%. Its larger loans are a possible reason for the borrower figure: its typical loan was $245,000, against $185,000 at peers.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
411 loans in 2025, against a peak of 1,171 in 2020.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Clear Mountain Bank took 519 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
80.3% of its 2025 loans were purchase loans; all were conventional loans.
Purchase 80.3% · Refinance 12.2% · Other 4.6% · Home improvement 2.9%
Conventional 100.0% · of 411 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
7 states, 11 metros, 33 counties
| State | Loans | Share |
|---|---|---|
| West Virginia | 364 | 88.6% |
| Maryland | 31 | 7.5% |
| Pennsylvania | 10 | 2.4% |
| Ohio | 2 | 0.5% |
| South Carolina | 2 | 0.5% |
| Kentucky | 1 | 0.2% |
| North Carolina | 1 | 0.2% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Morgantown | 254 |
| Pittsburgh | 9 |
| Huntington-Ashland | 4 |
| Wheeling | 3 |
| Columbus | 2 |
| Baltimore-Columbia-Towson | 1 |
| Charleston | 1 |
| Charleston-North Charleston | 1 |
| Charlotte-Concord-Gastonia | 1 |
| Lexington-Fayette | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300KNZ6E1MM7RQQ04 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 886624 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 2886624 | 2004–2017 |
Established 1 January 1931. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Clear Mountain Bank's data.
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Clear Mountain Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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