Mortgage lending in Clay County
7,078 mortgages were originated in Clay County, Missouri, in 2025.
30-year fixed, this week
6.71%
Freddie Mac's survey average for the week of September 3, 2026 — a year earlier it was 6.56%, and the past year ranged 5.98–6.71%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 7,078
- Median rate
- 6.624%
- Median lender fees
- $3,814
The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.
- Median loan amount
- $225,000
- Above the going rate (spread over APOR)
- 0.253
- Paid discount points
- 34.7%
- Received lender credits
- 21.8%
- Purchases / refinances
- 54.6% / 28.8%
- Conventional / FHA / VA
- 78% / 14.2% / 7.5%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 73.7% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
- Median home price
- $454,000
- That home, 20% down
- $363,200
A median-priced home with 20% down leaves $469,550 of room under the conforming limit, so the ceiling rarely binds on an ordinary purchase.
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Median price is HUD's figure for the 2026 limit calculation, not a live market quote.
Who lent here
Lenders with at least 50 loans in Clay County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Communityamerica Credit Union | 1,020 | $3,099 | 6.375% |
| Rocket Mortgage, LLC | 410 | $4,877 | 6.750% |
| Primelending, A Plainscapital Company | 332 | $3,773 | 6.490% |
| United Shore Financial Services, LLC | 311 | $5,235 | 6.500% |
| Fairway Independent Mortgage Corporation | 304 | $3,829 | 6.625% |
| Leaderone Financial Corporation | 222 | $4,531 | 6.625% |
| Guild Mortgage Company | 173 | $4,846 | 6.625% |
| Flat Branch Mortgage, Inc. | 141 | $3,952 | 6.500% |
| Commerce Bank | 139 | — | 6.875% |
| Pennymac Loan Services, LLC | 120 | $4,899 | 6.433% |
What lenders charged here
Lender fees on a $225,000 loan, based on what was actually charged in Clay County — not a rule of thumb.
From 5,213 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, taxes and the escrow deposit your lender collects up front for future tax and insurance bills are extra and not in these figures. Compare two offers