Case Study: Clear Mountain Bank achieves $1M+ in incremental loans with Experian's Digital Prescreen with Micronotes

How Clear Mountain Bank was able to increase its personal loan portfolio and marketing ROI while simultaneously lowering its customers' borrowing costs

Clear Mountain Bank is an $842 million community bank with 11 offices serving north‑central West Virginia and western Maryland. The bank wanted to grow consumer loans by targeting customers who held higher‑priced loans with competitors, but cost, technology and compliance complexity had made prescreen marketing impractical.

Clear Mountain Bank implemented Digital Prescreen with Micronotes, a cloud‑based Prescreen‑as‑a‑Service that integrated into its online and mobile banking to deliver compliant, personalized preapproved refinance offers. The platform identified more than 40,000 off‑book loans (about $466M in opportunity) and, in a 60‑day campaign, generated 1,390 firm offers, $1.095M+ in incremental loan volume, 36 loans booked and average customer savings of $1,615.

Clear Mountain Bank

Robert Flockvich

Director of Community Outreach and Retail Lending