Clear Mountain Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2022
Clear Mountain Bank 2022 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Clear Mountain Bank 160 Morgantown Street Po Box 205 Bruceton Mills, WV 26525 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 |
| Total Number of Mortgage Applications | 682 |
| Total Mortgage Loan Application Amount | $171,010,000 |
| Average Mortgage Loan Application Amount | $189,200 |
| Highest Mortgage Loan Application Amount | $3,205,000 |
| Average Applicant Income | $102,000 |
| Highest Applicant Income | $1,427,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2022 with Clear Mountain Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Clear Mountain Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2022 breaks down Clear Mountain Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Clear Mountain Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Clear Mountain Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Clear Mountain Bank's mortgage activity for 2022.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Monongalia County West Virginia | 272 | $ 78,640,000 | $ 289,000 | $ 135,000 |
| Preston County West Virginia | 153 | $ 23,985,000 | $ 156,000 | $ 84,000 |
| Harrison County West Virginia | 53 | $ 11,215,000 | $ 211,000 | $ 133,000 |
| Garrett County Maryland | 47 | $ 21,045,000 | $ 447,000 | $ 213,000 |
| Marion County West Virginia | 30 | $ 4,530,000 | $ 151,000 | $ 74,000 |
| Fayette County Pennsylvania | 21 | $ 5,665,000 | $ 269,000 | $ 92,000 |
| Taylor County West Virginia | 19 | $ 3,455,000 | $ 181,000 | $ 103,000 |
| Tucker County West Virginia | 7 | $ 1,005,000 | $ 143,000 | $ 61,000 |
| Greene County Pennsylvania | 6 | $ 1,530,000 | $ 255,000 | $ 123,000 |
| Barbour County West Virginia | 5 | $ 1,275,000 | $ 255,000 | $ 130,000 |
| Lewis County West Virginia | 5 | $ 865,000 | $ 173,000 | $ 125,000 |
| Allegheny County Pennsylvania | 3 | $ 645,000 | $ 215,000 | $ 411,000 |
| Washington County Pennsylvania | 3 | $ 725,000 | $ 241,000 | $ 140,000 |
| Cabell County West Virginia | 3 | $ 305,000 | $ 101,000 | $ 113,000 |
| Jefferson County West Virginia | 3 | $ 505,000 | $ 168,000 | $ 58,000 |
| Kanawha County West Virginia | 3 | $ 1,075,000 | $ 358,000 | $ 70,000 |
| Pocahontas County West Virginia | 3 | $ 745,000 | $ 248,000 | $ 330,000 |
| Randolph County West Virginia | 3 | $ 515,000 | $ 171,000 | $ 79,000 |
| Upshur County West Virginia | 3 | $ 615,000 | $ 205,000 | $ 103,000 |
| Wood County West Virginia | 3 | $ 1,805,000 | $ 601,000 | $ 41,000 |
| Pinellas County Florida | 2 | $ 580,000 | $ 290,000 | $ 256,000 |
| Allegany County Maryland | 2 | $ 530,000 | $ 265,000 | $ 99,000 |
| Lawrence County Pennsylvania | 2 | $ 890,000 | $ 445,000 | $ 242,000 |
| Westmoreland County Pennsylvania | 2 | $ 1,350,000 | $ 675,000 | $ 210,000 |
| Doddridge County West Virginia | 2 | $ 640,000 | $ 320,000 | $ 127,000 |
| Grant County West Virginia | 2 | $ 190,000 | $ 95,000 | $ 46,000 |
| Greenbrier County West Virginia | 2 | $ 220,000 | $ 110,000 | $ 43,000 |
| Mineral County West Virginia | 2 | $ 180,000 | $ 90,000 | $ 97,000 |
| Pasco County Florida | 1 | $ 695,000 | $ 695,000 | $ 375,000 |
| Sarasota County Florida | 1 | $ 725,000 | $ 725,000 | $ 360,000 |
| Calloway County Kentucky | 1 | $ 325,000 | $ 325,000 | $ 105,000 |
| Somerset County Maryland | 1 | $ 95,000 | $ 95,000 | $ 124,000 |
| Mecklenburg County North Carolina | 1 | $ 195,000 | $ 195,000 | $ 133,000 |
| Clermont County Ohio | 1 | $ 75,000 | $ 75,000 | $ 129,000 |
| Fairfield County Ohio | 1 | $ 105,000 | $ 105,000 | $ 91,000 |
| Trumbull County Ohio | 1 | $ 205,000 | $ 205,000 | $ 97,000 |
| Beaufort County South Carolina | 1 | $ 95,000 | $ 95,000 | $ 34,000 |
| Horry County South Carolina | 1 | $ 595,000 | $ 595,000 | $ 630,000 |
| Frederick County Virginia | 1 | $ 275,000 | $ 275,000 | $ 330,000 |
| Berkeley County West Virginia | 1 | $ 755,000 | $ 755,000 | $ 395,000 |
| Braxton County West Virginia | 1 | $ 105,000 | $ 105,000 | $ 24,000 |
| Fayette County West Virginia | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Hancock County West Virginia | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Hardy County West Virginia | 1 | $ 275,000 | $ 275,000 | $ 185,000 |
| Marshall County West Virginia | 1 | $ 235,000 | $ 235,000 | $ 63,000 |
| Pleasants County West Virginia | 1 | $ 435,000 | $ 435,000 | $ 158,000 |
| Putnam County West Virginia | 1 | $ 575,000 | $ 575,000 | $ 239,000 |
| Wetzel County West Virginia | 1 | $ 75,000 | $ 75,000 | $ 129,000 |
Mortgage Loan Application Detail Totals for Clear Mountain Bank in 2022
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 504 | $128,480,000 | $254,000 | $2,155,000 | $132,000 | $1,427,000 |
| Refinancing | 115 | $31,205,000 | $271,000 | $3,205,000 | $118,000 | $566,000 |
| Cash-out Refinancing | 52 | $10,010,000 | $192,000 | $645,000 | $103,000 | $279,000 |
| Home Improvement | 7 | $925,000 | $132,000 | $505,000 | $105,000 | $271,000 |
| Other Purpose | 4 | $390,000 | $97,000 | $185,000 | $52,000 | $91,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 337 | $79,505,000 | $235,000 | $2,155,000 | $116,000 | $1,072,000 |
| Not Provided | 249 | $63,315,000 | $254,000 | $2,085,000 | $143,000 | $1,427,000 |
| Not applicable | 72 | $23,430,000 | $325,000 | $3,205,000 | $0 | $0 |
| Black or African American | 12 | $2,570,000 | $214,000 | $485,000 | $77,000 | $135,000 |
| Hispanic | 7 | $1,385,000 | $197,000 | $435,000 | $106,000 | $198,000 |
| Asian | 5 | $805,000 | $161,000 | $255,000 | $150,000 | $566,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 665 | $167,875,000 | $252,000 | $3,205,000 | $129,000 | $1,427,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 14 | $2,420,000 | $172,000 | $255,000 | $51,000 | $75,000 |
| VA-guaranteed (Veterans Administration) | 3 | $715,000 | $238,000 | $365,000 | $56,000 | $83,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 456 | $130,490,000 | $286,000 | $3,205,000 | $148,000 | $1,427,000 |
| Preapproval Denied by Financial Institution | 98 | $14,810,000 | $151,000 | $425,000 | $61,000 | $225,000 |
| Application Withdrawn By Applicant | 70 | $15,330,000 | $219,000 | $755,000 | $115,000 | $630,000 |
| Application Denied By Financial Institution | 43 | $7,425,000 | $172,000 | $645,000 | $89,000 | $500,000 |
| Application Approved But Not Accepted | 13 | $2,585,000 | $198,000 | $515,000 | $116,000 | $251,000 |
| Preapproval Approved but not Accepted | 2 | $370,000 | $185,000 | $195,000 | $433,000 | $800,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 541 | $148,775,000 | $275,000 | $3,205,000 | $143,000 | $1,427,000 |
| Credit History | 93 | $13,855,000 | $148,000 | $635,000 | $69,000 | $500,000 |
| Debt-To-Income Ratio | 27 | $4,445,000 | $164,000 | $355,000 | $50,000 | $200,000 |
| Collateral | 10 | $1,700,000 | $170,000 | $465,000 | $95,000 | $271,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $440,000 | $110,000 | $165,000 | $85,000 | $167,000 |
| Unverifiable Information | 4 | $1,420,000 | $355,000 | $645,000 | $134,000 | $259,000 |
| Employment History | 3 | $375,000 | $125,000 | $165,000 | $70,000 | $151,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Clear Mountain Bank's 2022 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Clear Mountain Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in West Virginia, download the full spreadsheet
with aggregated HMDA statistics today.