Mortgage lenders in Clay County
7,078 mortgages were made in Clay County, Missouri, in 2025, by 368 lenders. The median rate their borrowers got was 6.500% on a median loan of $225,000. Of 8,918 decisions, 1,531 were denials — 17.2%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| COMMUNITYAMERICA CREDIT UNION | 1,020 | 6.375% | $135,000 | 18.5% |
| Rocket Mortgage, LLC | 410 | 6.750% | $185,000 | 16.1% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 332 | 6.490% | $295,000 | 0.6% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 311 | 6.500% | $275,000 | 7.3% |
| Fairway Independent Mortgage Corporation | 304 | 6.625% | $255,000 | 1.9% |
| LEADERONE FINANCIAL CORPORATION | 222 | 6.625% | $250,000 | 10.8% |
| GUILD MORTGAGE COMPANY | 173 | 6.500% | $255,000 | 1.6% |
| FLAT BRANCH MORTGAGE, INC. | 141 | 6.500% | $275,000 | 0.0% |
| Commerce Bank | 139 | 6.875% | $75,000 | 33.0% |
| PENNYMAC LOAN SERVICES, LLC | 120 | 6.433% | $255,000 | 13.2% |
| U.S. Bank National Association | 114 | 7.925% | $110,000 | 39.0% |
| First State Bank of St. Charles, Missouri | 111 | 6.375% | $285,000 | 0.0% |
| The Central Trust Bank | 108 | 6.500% | $190,000 | 25.7% |
| NATIONSTAR MORTGAGE LLC | 108 | 7.750% | $95,000 | 16.9% |
| FREEDOM MORTGAGE CORPORATION | 99 | 6.250% | $285,000 | 17.9% |
| Arvest Bank | 99 | 6.625% | $265,000 | 14.4% |
| Mortgage Research Center, LLC | 91 | 6.250% | $305,000 | 21.6% |
| Bank of America, National Association | 87 | 6.375% | $105,000 | 39.5% |
| Click n' Close, Inc. | 85 | 6.625% | $305,000 | 0.0% |
| Prosperity Home Mortgage, LLC | 83 | 6.250% | $295,000 | 5.7% |
| Loandepot.Com, LLC | 78 | 6.990% | $115,000 | 24.3% |
| UMB Bank, National Association | 77 | 5.990% | $105,000 | 22.6% |
| M SQUARED FINANCIAL LLC | 77 | 6.375% | $255,000 | 1.3% |
| NBKC BANK | 63 | 6.250% | $315,000 | 9.6% |
| CROSSCOUNTRY MORTGAGE, INC. | 63 | 6.750% | $255,000 | 6.0% |
| First Bank | 61 | 6.500% | $265,000 | 1.6% |
| MEGASTAR FINANCIAL CORP. | 56 | 6.500% | $245,000 | 1.8% |
| NEWREZ LLC | 55 | 6.875% | $215,000 | 34.5% |
| Kearney Trust Company | 54 | Not published | $135,000 | 3.5% |
| Navy Federal Credit Union | 49 | 6.375% | $225,000 | 21.9% |
| COMMUNITY MORTGAGE, LLC | 49 | 6.375% | $235,000 | 0.0% |
| Stride Bank, National Association | 48 | 6.563% | $270,000 | 2.0% |
| 21st Mortgage Corporation | 47 | 10.940% | $55,000 | 57.7% |
| SPRING EQ, LLC | 47 | 9.250% | $55,000 | 43.5% |
| ENDEAVOR CAPITAL, LLC. | 47 | 6.490% | $225,000 | 0.0% |
| Kiavi Funding, Inc. | 47 | 9.950% | $185,000 | 3.9% |
| First Federal Bank of Kansas City | 46 | 6.000% | $145,000 | 16.4% |
| Mazuma Credit Union | 44 | 7.500% | $120,000 | 38.9% |
| GUARANTEED RATE, INC. | 44 | 6.538% | $255,000 | 13.2% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 39 | 6.250% | $255,000 | 24.5% |
| LAKEVIEW LOAN SERVICING, LLC | 38 | 6.750% | $145,000 | 47.7% |
| Broker Solutions, Inc. | 36 | 6.750% | $215,000 | 24.0% |
| AmeriSave Mortgage Corporation | 36 | 7.875% | $75,000 | 55.2% |
| JPMorgan Chase Bank, National Association | 35 | 6.625% | $245,000 | 16.7% |
| EVERETT FINANCIAL, INC. | 35 | 6.875% | $305,000 | 5.4% |
| NBH Bank | 34 | 7.222% | $150,000 | 35.2% |
| FIGURE LENDING LLC | 32 | 8.350% | $45,000 | 25.0% |
| Capitol Federal Savings Bank | 31 | 6.750% | $210,000 | 18.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 30 | 6.750% | $155,000 | 20.8% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 30 | 6.375% | $395,000 | 18.4% |
| Pony Express Bank | 29 | Not published | $225,000 | 3.3% |
| Waterstone Mortgage Corporation | 28 | 6.625% | $255,000 | 3.5% |
| JLB CORPORATION | 28 | 6.188% | $220,000 | 3.5% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 28 | 6.375% | $255,000 | 3.5% |
| The Nodaway Valley Bank | 28 | Not published | $185,000 | 0.0% |
| THE LOAN STORE, INC. | 27 | 6.875% | $245,000 | 19.5% |
| SOFI BANK, NATIONAL ASSOCIATION | 26 | 7.640% | $115,000 | 9.7% |
| UNION HOME MORTGAGE CORP. | 26 | 6.625% | $345,000 | 3.6% |
| Bell Bank | 25 | 6.625% | $375,000 | 7.4% |
| BMO Bank National Association | 24 | 8.665% | $105,000 | 40.0% |
| GoodLeap, LLC | 24 | 6.375% | $105,000 | 19.4% |
| First Federal Bank | 24 | 6.433% | $280,000 | 7.7% |
| SUN WEST MORTGAGE COMPANY, INC. | 23 | 6.500% | $365,000 | 10.3% |
| Discover Bank | 22 | 9.070% | $65,000 | 62.7% |
| BOKF, National Association | 22 | 6.625% | $135,000 | 12.0% |
| Zippy Loans, LLC | 21 | 8.000% | $45,000 | 58.0% |
| Wells Fargo Bank, National Association | 20 | 6.250% | $215,000 | 35.5% |
| ENVOY MORTGAGE, LTD | 20 | 6.688% | $275,000 | 4.8% |
| USAA Federal Savings Bank | 18 | 6.313% | $250,000 | 28.0% |
| MAINSTREET FEDERAL CREDIT UNION | 17 | 8.000% | $85,000 | 22.2% |
| Oakstar Bank | 17 | 6.500% | $365,000 | 5.6% |
| CANOPY MORTGAGE, LLC | 16 | 6.563% | $255,000 | 5.9% |
| PLANET HOME LENDING, LLC | 16 | 5.990% | $215,000 | 27.3% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 16 | 6.372% | $365,000 | 5.6% |
| Southern Bank | 16 | 7.500% | $75,000 | 15.8% |
| American Mortgage Bank, LLC | 16 | 6.813% | $230,000 | 10.5% |
| DHI MORTGAGE COMPANY, LTD. | 16 | 5.813% | $370,000 | 11.1% |
| First National Bank of Omaha | 15 | 6.625% | $215,000 | 16.7% |
| SUMMIT FUNDING, INC. | 15 | 6.990% | $325,000 | 0.0% |
| Verimore Bank | 15 | Not published | $205,000 | 0.0% |
| PHH Mortgage Corporation | 14 | 6.933% | $245,000 | 25.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 14 | 6.490% | $295,000 | 0.0% |
| CMG MORTGAGE, INC. | 13 | 6.625% | $315,000 | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 13 | 6.375% | $375,000 | 0.0% |
| LOWER, LLC | 12 | 6.563% | $315,000 | 42.9% |
| AMERIHOME MORTGAGE COMPANY, LLC | 12 | 6.500% | $290,000 | 14.3% |
| Valon Mortgage, Inc. | 12 | 8.165% | $95,000 | 26.3% |
| Academy Bank, National Association | 12 | 6.563% | $350,000 | 7.7% |
| KIND LENDING, LLC | 12 | 6.750% | $265,000 | 0.0% |
| Synergy One Lending, Inc. | 11 | 6.490% | $255,000 | 8.3% |
| North American Savings Bank, F.S.B. | 11 | 6.375% | $265,000 | 15.4% |
| Landmark National Bank | 11 | 6.000% | $325,000 | 0.0% |
| Plains Commerce Bank | 11 | 6.625% | $255,000 | 0.0% |
| Equity Bank | 11 | 8.149% | $155,000 | 8.3% |
| NEW DAY FINANCIAL, LLC | 10 | 6.933% | $285,000 | 38.9% |
| Third Federal Savings and Loan Association of Cleveland | 10 | 6.940% | $120,000 | 33.3% |
| Luminate Bank | 10 | 6.933% | $250,000 | 9.1% |
| ZILLOW HOME LOANS, LLC | 10 | 6.625% | $305,000 | 9.1% |
| Fidelity Bank, National Association | 10 | 6.935% | $250,000 | 23.1% |
| Security Bank of Kansas City | 10 | Not published | $205,000 | 9.1% |
| ASSEMBLIES OF GOD Credit Union | 10 | 6.490% | $215,000 | 0.0% |
| Bank of Weston | 10 | Not published | $210,000 | 0.0% |
| The Federal Savings Bank | 9 | Under 10 loans | Under 10 loans | 16.7% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Sierra Pacific Mortgage Company, Inc. | 9 | Under 10 loans | Under 10 loans | 18.2% |
| Farmers State Bank | 9 | Under 10 loans | Under 10 loans | 10.0% |
| TRIAD FINANCIAL SERVICES, INC. | 8 | Under 10 loans | Under 10 loans | 59.5% |
| BETTER MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 38.5% |
| PNC Bank, National Association | 8 | Under 10 loans | Under 10 loans | 40.0% |
| Flagstar Bank, N.A. | 8 | Under 10 loans | Under 10 loans | 18.2% |
| GENEVA FINANCIAL, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Hawthorn Bank | 8 | Under 10 loans | Under 10 loans | 11.1% |
| DELMAR FINANCIAL COMPANY | 8 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| DAS Acquisition Company, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| The Union State Bank of Everest | 8 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 7 | Under 10 loans | Under 10 loans | 4.8% |
| Armed Forces Bank, National Association | 7 | Under 10 loans | Under 10 loans | 41.7% |
| Equity Prime Mortgage LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Connections Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 7 | Under 10 loans | Under 10 loans | 0.0% |
| CoreFirst Bank & Trust | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Community First National Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 6 | Under 10 loans | Under 10 loans | 40.0% |
| Farmers Bank & Trust | 6 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 45.5% |
| ALLIANT CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 40.0% |
| TOP FLITE FINANCIAL, INC. | 6 | Under 10 loans | Under 10 loans | 25.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Empeople Credit Union | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Mid-America Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Bank Northwest | 6 | Under 10 loans | Under 10 loans | 0.0% |
| F & C Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Odessa | 6 | Under 10 loans | Under 10 loans | 0.0% |
| GOPPERT FINANCIAL BANK | 6 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 5 | Under 10 loans | Under 10 loans | 45.5% |
| Bison State Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Ameris Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LIMA ONE CAPITAL, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| The Dart Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| BTC BANK | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 5 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| SIRVA MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PUBLIC SAFETY CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 16.7% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED CONSUMERS CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Flanagan State Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GENWAY HOME MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Mutual Savings Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| HNB National Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Great American Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST OPTION BANK | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| OCMBC, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Community Bank of Missouri | 3 | Under 10 loans | Under 10 loans | 25.0% |
| NEXERA HOLDING LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PANORAMA MORTGAGE GROUP, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CENTRAL MISSOURI COMMUNITY CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| MERCHANTS MORTGAGE & TRUST CORPORATION, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Midwest Heritage Bank, FSB | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of the Flint Hills | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Presidential Bank, FSB | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Granite Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FCB Banks | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 2 | Under 10 loans | Under 10 loans | 61.5% |
| TAMMAC HOLDINGS CORPORATION | 2 | Under 10 loans | Under 10 loans | 61.1% |
| Citibank, National Association | 2 | Under 10 loans | Under 10 loans | 60.0% |
| GUIDANCE RESIDENTIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 25.0% |
| Texana Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 60.0% |
| Bethpage Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 60.0% |
| Gateway First Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| DATA MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Old National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| TOGETHER CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| First Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Great Southern Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| 254900CTT87ZKAUTIJ37 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Peoples Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AMERITRUST MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 168 lenders each made 2 or fewer mortgages here, and are counted in the totals above.
Bank branches in Clay County
65 FDIC-insured branches from 26 banks, as of 30 June 2026, with the deposits held at them.
Closed since the 2025 survey
7 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- Bank of America, National Association, 2728 NE Vivion Road, Kansas City
- Clay County Savings Bank, 1178 W Kansas St, Liberty
- Clay County Savings Bank, 303 S Jefferson St, Kearney
- Clay County Savings Bank, 8140 N Brighton Ave, Kansas City
- Country Club Bank, 401 Armour Rd, North Kansas City
- Kearney Trust Company, 310 W 92 Hwy, Kearney
- Kearney Trust Company, 701 Watson Dr, Kearney
Get told when this changes
When the next year’s lending figures are out for Clay County, or a lender arrives or leaves.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.