Largest lenders in Clay County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Communityamerica Credit Union | B | 1,548 | 1,020 | 15.9% | 6.38% |
| 2 | Rocket Mortgage | C | 551 | 410 | 15.1% | 6.75% |
| 3 | Fairway Independent Mortgage | B | 393 | 304 | 1.5% | 6.63% |
| 4 | Primelending, a Plainscapital | A | 384 | 332 | 0.5% | 6.49% |
| 5 | United Shore Financial Services | B | 380 | 311 | 6.6% | 6.50% |
| 6 | Leaderone Financial | D | 315 | 222 | 8.6% | 6.63% |
| 7 | Commerce Bank | D | 267 | 139 | 26.2% | 6.88% |
| 8 | Guild Mortgage | A | 236 | 173 | 1.3% | 6.63% |
| 9 | U.S. Bank | D | 230 | 114 | 33.0% | 7.93% |
| 10 | Freedom Mortgage | B | 218 | 99 | 11.9% | 6.25% |
| 11 | Bank of America | F | 213 | 87 | 27.2% | 6.38% |
| 12 | Pennymac Loan Services | C | 203 | 120 | 9.4% | 6.43% |
| 13 | The Central Trust Bank | C | 188 | 108 | 20.2% | 6.50% |
| 14 | Flat Branch Mortgage | A | 169 | 141 | 0.0% | 6.50% |
| 15 | Mortgage Research Center | C | 162 | 91 | 15.4% | 6.25% |
| 16 | Nationstar Mortgage | C | 148 | 108 | 15.5% | 7.75% |
| 17 | Arvest Bank | C | 146 | 99 | 11.6% | 6.63% |
| 18 | 21st Mortgage | F | 143 | 47 | 44.8% | 10.94% |
| 19 | Newrez | D | 137 | 55 | 21.2% | 6.88% |
| 20 | Broker Solutions | D | 123 | 36 | 9.8% | 6.75% |
| 21 | Loandepot.Com | D | 121 | 78 | 21.5% | 6.99% |
| 22 | Prosperity Home Mortgage | A | 116 | 83 | 4.3% | 6.25% |
| 23 | UMB Bank | B | 114 | 77 | 20.2% | 5.99% |
| 24 | First State Bank of St. Charles, Missouri | A | 111 | 111 | 0.0% | 6.38% |
| 25 | AmeriSave Mortgage | D | 100 | 36 | 48.0% | 7.88% |
Best approval odds in Clay County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Click n' Close | 85 | 0.0% |
| 2 | First State Bank of St. Charles, Missouri | 111 | 0.0% |
| 3 | Flat Branch Mortgage | 145 | 0.0% |
| 4 | Primelending, a Plainscapital | 349 | 0.6% |
| 5 | M Squared Financial | 78 | 1.3% |
| 6 | Guild Mortgage | 189 | 1.6% |
| 7 | First Bank | 62 | 1.6% |
| 8 | Megastar Financial | 57 | 1.8% |
| 9 | Fairway Independent Mortgage | 312 | 1.9% |
| 10 | Kearney Trust | 58 | 3.5% |
What Clay County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Clay County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 8,797 | 5,632 | 15.5% | 6.75% | $185,000 |
| 2024 | 9,940 | 6,468 | 14.9% | 6.63% | $195,000 |
| 2025 | 10,938 | 7,078 | 14.0% | 6.62% | $205,000 |
Frequently asked questions
14.0% of applications in Clay County were denied in 2025, against 15.1% statewide in Missouri.
Communityamerica Credit Union, with 1,548 applications in 2025 and a denial rate of 15.9%.
The median mortgage application in Clay County in 2025 was for $205,000; the median property value on originated loans was $335,000.