Home purchase lenders in Clay County
3,868 home purchase mortgages were made in Clay County, Missouri, in 2025, by 290 lenders. The median rate their borrowers got was 6.624% on a median loan of $275,000. Of 4,251 decisions, 308 were denials — 7.2%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| COMMUNITYAMERICA CREDIT UNION | 397 | 6.625% | $285,000 | 5.4% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 293 | 6.490% | $295,000 | 0.3% |
| Fairway Independent Mortgage Corporation | 265 | 6.625% | $255,000 | 1.1% |
| LEADERONE FINANCIAL CORPORATION | 204 | 6.625% | $255,000 | 8.9% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 179 | 6.624% | $275,000 | 5.2% |
| GUILD MORTGAGE COMPANY | 148 | 6.500% | $255,000 | 0.6% |
| FLAT BRANCH MORTGAGE, INC. | 115 | 6.625% | $275,000 | 0.0% |
| First State Bank of St. Charles, Missouri | 90 | 6.500% | $280,000 | 0.0% |
| Rocket Mortgage, LLC | 85 | 6.625% | $275,000 | 10.4% |
| Mortgage Research Center, LLC | 75 | 6.375% | $305,000 | 6.3% |
| Click n' Close, Inc. | 72 | 6.625% | $300,000 | 0.0% |
| M SQUARED FINANCIAL LLC | 69 | 6.375% | $255,000 | 0.0% |
| Prosperity Home Mortgage, LLC | 68 | 6.438% | $290,000 | 0.0% |
| Arvest Bank | 63 | 6.500% | $295,000 | 3.1% |
| The Central Trust Bank | 56 | 6.500% | $260,000 | 1.7% |
| CROSSCOUNTRY MORTGAGE, INC. | 50 | 6.750% | $255,000 | 0.0% |
| MEGASTAR FINANCIAL CORP. | 49 | 6.500% | $245,000 | 2.0% |
| 21st Mortgage Corporation | 47 | 10.940% | $55,000 | 56.9% |
| First Bank | 47 | 6.375% | $265,000 | 2.1% |
| NBKC BANK | 42 | 6.250% | $320,000 | 8.3% |
| U.S. Bank National Association | 41 | 6.375% | $255,000 | 10.9% |
| COMMUNITY MORTGAGE, LLC | 38 | 6.250% | $245,000 | 0.0% |
| PENNYMAC LOAN SERVICES, LLC | 37 | 6.499% | $305,000 | 14.0% |
| Stride Bank, National Association | 36 | 6.688% | $280,000 | 0.0% |
| GUARANTEED RATE, INC. | 34 | 6.538% | $265,000 | 2.9% |
| Kiavi Funding, Inc. | 31 | 10.490% | $185,000 | 3.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 30 | 6.375% | $395,000 | 18.4% |
| ENDEAVOR CAPITAL, LLC. | 29 | 6.500% | $245,000 | 0.0% |
| EVERETT FINANCIAL, INC. | 29 | 6.875% | $295,000 | 3.3% |
| Navy Federal Credit Union | 28 | 6.000% | $335,000 | 6.7% |
| Waterstone Mortgage Corporation | 27 | 6.625% | $265,000 | 3.6% |
| Commerce Bank | 26 | 6.375% | $230,000 | 16.1% |
| Bank of America, National Association | 22 | 5.875% | $200,000 | 21.4% |
| Kearney Trust Company | 22 | Not published | $205,000 | 4.4% |
| Zippy Loans, LLC | 21 | 8.000% | $45,000 | 58.0% |
| JPMorgan Chase Bank, National Association | 21 | 6.375% | $285,000 | 4.6% |
| Bell Bank | 21 | 6.625% | $305,000 | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 21 | 6.375% | $305,000 | 4.6% |
| UNION HOME MORTGAGE CORP. | 20 | 6.625% | $345,000 | 4.8% |
| THE LOAN STORE, INC. | 19 | 6.750% | $245,000 | 4.4% |
| First Federal Bank | 19 | 6.375% | $285,000 | 0.0% |
| ENVOY MORTGAGE, LTD | 19 | 6.750% | $275,000 | 5.0% |
| UMB Bank, National Association | 18 | 6.313% | $320,000 | 0.0% |
| First Federal Bank of Kansas City | 18 | 6.750% | $300,000 | 14.3% |
| Broker Solutions, Inc. | 18 | 6.933% | $225,000 | 0.0% |
| USAA Federal Savings Bank | 16 | 6.313% | $240,000 | 23.8% |
| CANOPY MORTGAGE, LLC | 16 | 6.563% | $255,000 | 5.9% |
| Oakstar Bank | 16 | 6.500% | $380,000 | 5.9% |
| DHI MORTGAGE COMPANY, LTD. | 16 | 5.813% | $370,000 | 11.1% |
| The Nodaway Valley Bank | 16 | Not published | $185,000 | 0.0% |
| NBH Bank | 15 | 6.250% | $265,000 | 11.8% |
| Capitol Federal Savings Bank | 15 | 6.500% | $325,000 | 6.3% |
| Loandepot.Com, LLC | 14 | 6.750% | $240,000 | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 14 | 6.563% | $335,000 | 11.8% |
| SUMMIT FUNDING, INC. | 14 | 6.933% | $335,000 | 0.0% |
| NEWREZ LLC | 14 | 6.375% | $355,000 | 0.0% |
| Pony Express Bank | 14 | Not published | $260,000 | 0.0% |
| American Mortgage Bank, LLC | 13 | 6.875% | $245,000 | 6.7% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 13 | 6.250% | $315,000 | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 12 | 6.438% | $375,000 | 0.0% |
| First National Bank of Omaha | 11 | 6.500% | $215,000 | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 11 | 6.500% | $295,000 | 0.0% |
| CMG MORTGAGE, INC. | 11 | 6.625% | $325,000 | 0.0% |
| BOKF, National Association | 11 | 6.625% | $195,000 | 0.0% |
| Mazuma Credit Union | 11 | 6.190% | $295,000 | 0.0% |
| North American Savings Bank, F.S.B. | 11 | 6.375% | $265,000 | 0.0% |
| Synergy One Lending, Inc. | 10 | 6.433% | $270,000 | 9.1% |
| Academy Bank, National Association | 10 | 6.563% | $350,000 | 0.0% |
| Plains Commerce Bank | 10 | 6.625% | $255,000 | 0.0% |
| ZILLOW HOME LOANS, LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Sierra Pacific Mortgage Company, Inc. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| KIND LENDING, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| ASSEMBLIES OF GOD Credit Union | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Verimore Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 8 | Under 10 loans | Under 10 loans | 59.5% |
| Wells Fargo Bank, National Association | 8 | Under 10 loans | Under 10 loans | 20.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 8 | Under 10 loans | Under 10 loans | 10.0% |
| Landmark National Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Bank | 8 | Under 10 loans | Under 10 loans | 11.1% |
| LOWER, LLC | 7 | Under 10 loans | Under 10 loans | 30.0% |
| PLAZA HOME MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Luminate Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers State Bank | 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% |
| DAS Acquisition Company, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONSTAR MORTGAGE LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Connections Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 6 | Under 10 loans | Under 10 loans | 0.0% |
| F & C Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 5 | Under 10 loans | Under 10 loans | 37.5% |
| Armed Forces Bank, National Association | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Equity Prime Mortgage LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Mid-America Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Hawthorn Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Bank Northwest | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Odessa | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CoreFirst Bank & Trust | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Fidelity Bank, National Association | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| MAINSTREET FEDERAL CREDIT UNION | 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% |
| DELMAR FINANCIAL COMPANY | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Ameris Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Bison State Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| The Dart Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GENWAY HOME MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| BMO Bank National Association | 3 | Under 10 loans | Under 10 loans | 40.0% |
| LIMA ONE CAPITAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Security Bank of Kansas City | 3 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED CONSUMERS CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PANORAMA MORTGAGE GROUP, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Presidential Bank, FSB | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FCB Banks | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HNB National Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Great American Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TAMMAC HOLDINGS CORPORATION | 2 | Under 10 loans | Under 10 loans | 61.1% |
| BETTER MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TOGETHER CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Southern Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| A&D Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Old National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| V.I.P. MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| MERCHANTS MORTGAGE & TRUST CORPORATION, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| BTC BANK | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Great Southern Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Genesis Capital, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Empeople Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Flanagan State Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Callaway Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Better Banks | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ICE LENDER HOLDINGS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Savings and Loan Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Mutual Savings Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GOPPERT FINANCIAL BANK | 2 | Under 10 loans | Under 10 loans | 0.0% |
| INFUZE Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Granite Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BAYSHORE MORTGAGE FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION OF AMERICA | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Union Bank and Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST OPTION BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| AMERICAN FINANCIAL NETWORK, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First State Community Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sunflower Bank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MORTGAGE INVESTMENT SERVICES CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AML FUNDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 1 | Under 10 loans | Under 10 loans | 50.0% |
| The Huntington National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HEARTLAND CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Brighton Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Truity Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| New Market Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Exchange Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GNB BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Union State Bank of Everest | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Midwest Heritage Bank, FSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Central National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONSERVATION EMPLOYEES CREDIT | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Maries County Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| United Community Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RBC Bank, (Georgia) National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 90 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
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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. 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.