Mortgage lending in Clay County, Missouri
Lenders in Clay County, Missouri reported 10,938 mortgage applications for 2025, according to the CFPB.
10,938 mortgage applications and 7,078 loans originated in 2025; the denial rate was 17.2% of 8,920 applications decided. The median loan was about $225,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Kansas City, MO-KS HUD Metro FMR Area.
- 10,938
- Applications
- 7,078
- Loans originated
- 17.2%
- Denial rate
- 1,532 denied of 8,920 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 10,938 | 7,078 |
| 2024 | 9,940 | 6,468 |
| 2023 | 8,797 | 5,632 |
| 2022 | 11,766 | 7,774 |
| 2021 | 20,166 | 14,044 |
| 2020 | 20,710 | 14,340 |
| 2019 | 13,657 | 9,253 |
| 2018 | 12,147 | 8,120 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Communityamerica Federal Credit Union | 1,020 | 1,548 |
| Rocket Mortgage | 410 | 551 |
| Primelending | 332 | 384 |
| United Wholesale Mortgage | 311 | 380 |
| Fairway Independent Mort Corp | 304 | 393 |
| Leaderone Financial Corp. | 222 | 315 |
| Guild Mortgage Company | 173 | 236 |
| Flat Branch Mortgage, Inc. | 141 | 169 |
| Commerce Bank | 139 | 267 |
| Pennymac Loan Services LLC | 120 | 203 |
| US Bank, N.A. | 114 | 230 |
| First State Bank of ST Charles | 111 | 111 |
| Nationstar Mortgage | 108 | 148 |
| The Central Trust Bank | 108 | 188 |
| Freedom Mortgage Corporation | 99 | 218 |
| Arvest Bank | 99 | 146 |
| Mortgage Research Center | 91 | 162 |
| Bank of America NA | 87 | 213 |
| Click n' Close, Inc. | 85 | 91 |
| Prosperity Home Mortgage, LLC | 83 | 116 |
| loanDepot.com LLC | 78 | 121 |
| M Squared Financial LLC | 77 | 99 |
| Umb Bank NA | 77 | 114 |
| NBKC Bank | 63 | 97 |
| Crosscountry Mortgage, LLC | 63 | 87 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 92 | 20.0% of 70 decided |
| Asian | 252 | 20.5% of 190 decided |
| Black or African American | 588 | 26.9% of 432 decided |
| Native Hawaiian or Other Pacific Islander | 24 | no rate: base under 50 |
| White | 8,066 | 16.2% of 6,693 decided |
| 2 or more minority races | 22 | no rate: base under 50 |
| Joint | 297 | 14.2% of 240 decided |
| Race Not Available | 1,597 | 18.9% of 1,256 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 586 | 22.7% of 468 decided |
| Not Hispanic or Latino | 8,466 | 16.6% of 6,953 decided |
| Joint | withheld | |
| Ethnicity Not Available | 1,577 | 18.8% of 1,241 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 3,533 | 20.4% of 2,819 decided |
| Female | 2,390 | 20.1% of 1,929 decided |
| Joint | 4,110 | 12.3% of 3,465 decided |
| Sex Not Available | 905 | 20.5% of 707 decided |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 772 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved