Purchase Originations
248
Median Total Costs
$4,085
−38.9% vs national ($6,680)
↑ $175 vs prior year
Median Rate
6.000%
−7.5% vs national (6.490%)
↓ 1.250% vs prior year
Median Origination
$1,055
Median Lender Credits
$1,023
Denial Rate
2.5%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 248 | 6.000% | $4,085 | $1,055 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| West Virginia | 228 | 6.000% | $4,053 | #16 |
| Maryland | 12 | 6.250% | $4,264 | — |
| Pennsylvania | 5 | 6.250% | $5,072 | — |
| North Carolina | 1 | 7.250% | $6,132 | — |
| Ohio | 1 | 5.875% | $3,756 | — |
| South Carolina | 1 | 5.990% | $6,180 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,340 | 6.625% | — | 3 | −$745 | |
| 2 | $3,713 | 6.125% | — | 15 | −$372 | |
| 3 | $3,756 | 5.875% | — | 1 | −$329 | |
| 4 | $3,772 | 5.933% | — | 2 | −$313 | |
| 5 | $3,976 | 6.250% | — | 22 | −$109 | |
| 6 | $4,001 | 5.990% | — | 1 | −$84 | |
| 7 | $4,025 | 5.990% | — | 132 | −$60 | |
| 8 | $4,137 | 6.000% | — | 38 | +$52 | |
| 9 | $4,264 | 6.250% | — | 10 | +$179 | |
| 10 | $4,493 | 6.875% | — | 3 | +$408 | |
| 11 | $4,541 | 5.750% | — | 1 | +$456 | |
| 12 | $4,675 | 6.250% | — | 1 | +$590 | |
| 13 | $4,737 | 6.375% | — | 1 | +$652 | |
| 14 | $4,879 | 6.183% | — | 2 | +$794 | |
| 15 | $4,957 | 5.990% | — | 3 | +$872 | |
| 16 | $5,043 | 6.875% | — | 2 | +$958 | |
| 17 | $5,072 | 5.875% | — | 1 | +$987 | |
| 18 | $5,257 | 6.375% | — | 3 | +$1,172 | |
| 19 | $6,132 | 7.250% | — | 1 | +$2,047 | |
| 20 | $6,180 | 5.990% | — | 1 | +$2,095 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Clear Mountain Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $275,000 | $335,000 | −$60,000 (−17.9%) |
| Median total closing costs | $4,085 | $7,127 | −$3,042 (−42.7%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.