Missouri · HMDA 2025
Mortgage lenders in Clay County, MO
367 lenders reported 13,000 home-loan applications in Clay County in 2025. 7,078 closed as loans ($1.9B), 1,532 were denied — a 17.2% denial rate on decided applications, below the Missouri rate of 18.5%. The three most active lenders handled 21% of applications, led by COMMUNITYAMERICA CREDIT UNION. 10 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 13,000
- Loans originated
- 7,078
- Purchase / refinance
- 3,868 / 2,035
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Clay County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | COMMUNITYAMERICA CREDIT UNION | 1,548 | 11.9% | — |
| 2 | PENNYMAC LOAN SERVICES, LLC | 598 | 4.6% | — |
| 3 | Rocket Mortgage, LLC | 567 | 4.4% | — |
| 4 | U.S. Bank National Association 55 out of 100, Moderate | 484 | 3.7% | 39.5% |
| 5 | Fairway Independent Mortgage Corporation | 402 | 3.1% | — |
| 6 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 386 | 3.0% | — |
| 7 | UNITED SHORE FINANCIAL SERVICES, LLC | 382 | 2.9% | — |
| 8 | LEADERONE FINANCIAL CORPORATION | 321 | 2.5% | — |
| 9 | FREEDOM MORTGAGE CORPORATION | 295 | 2.3% | — |
| 10 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 292 | 2.2% | 14.1% |
| 11 | NEWREZ LLC | 276 | 2.1% | — |
| 12 | Commerce Bank 76 out of 100, Strong | 267 | 2.1% | 33.2% |
| 13 | NATIONSTAR MORTGAGE LLC | 254 | 2.0% | — |
| 14 | GUILD MORTGAGE COMPANY | 238 | 1.8% | — |
| 15 | Bank of America, National Association 59 out of 100, Moderate | 229 | 1.8% | 44.7% |
| 16 | 21st Mortgage Corporation | 218 | 1.7% | — |
| 17 | The Central Trust Bank 69 out of 100, Moderate | 189 | 1.5% | 10.4% |
| 18 | AMERIHOME MORTGAGE COMPANY, LLC | 186 | 1.4% | — |
| 19 | FLAT BRANCH MORTGAGE, INC. | 178 | 1.4% | — |
| 20 | Mortgage Research Center, LLC | 162 | 1.2% | — |
| 21 | Arvest Bank 57 out of 100, Moderate | 146 | 1.1% | 18.5% |
| 22 | PLANET HOME LENDING, LLC | 141 | 1.1% | — |
| 23 | Broker Solutions, Inc. | 123 | 0.9% | — |
| 24 | Loandepot.Com, LLC | 121 | 0.9% | — |
| 25 | Prosperity Home Mortgage, LLC | 116 | 0.9% | — |
| 26 | UMB Bank, National Association 65 out of 100, Moderate | 116 | 0.9% | 30.5% |
| 27 | PHH Mortgage Corporation | 113 | 0.9% | — |
| 28 | First State Bank of St. Charles, Missouri | 111 | 0.9% | — |
| 29 | LAKEVIEW LOAN SERVICING, LLC | 110 | 0.8% | — |
| 30 | AmeriSave Mortgage Corporation | 100 | 0.8% | — |
| 31 | M SQUARED FINANCIAL LLC | 99 | 0.8% | — |
| 32 | SPRING EQ, LLC | 98 | 0.8% | — |
| 33 | NBKC BANK | 97 | 0.7% | — |
| 34 | FIGURE LENDING LLC | 96 | 0.7% | — |
| 35 | Click n' Close, Inc. | 91 | 0.7% | — |
| 36 | Navy Federal Credit Union 66 out of 100, Moderate | 87 | 0.7% | 32.9% |
| 37 | GUARANTEED RATE, INC. | 87 | 0.7% | — |
| 38 | CROSSCOUNTRY MORTGAGE, INC. | 87 | 0.7% | — |
| 39 | First Bank 66 out of 100, Moderate | 81 | 0.6% | 18.1% |
| 40 | Mazuma Credit Union 61 out of 100, Moderate | 81 | 0.6% | 27.9% |
Top 40 of 367 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.
Other counties in Missouri
- St. Louis County 43,125 apps
- Jackson County 32,622 apps
- St. Charles County 21,238 apps
- Greene County 13,657 apps
- Jefferson County 12,164 apps
- St. Louis city 10,443 apps
- Boone County 7,197 apps
- Cass County 6,061 apps
- Jasper County 5,553 apps
- Christian County 5,034 apps
- Platte County 4,802 apps
- Franklin County 4,405 apps