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2024 data HMDA 2024 disclosure official source

Clay County

11,402 mortgage applications, 12.9% denial rate. Verify FIPS 29047 with U.S. Census Bureau →

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Missouri · FIPS 29047

Local mortgage market. Clay County, Missouri saw 11,402 HMDA-reported mortgage applications in 2024. Lenders originated 6,418 of those loans and denied 1,469, producing a denial rate of 12.9% and an approval (origination) rate of 56.3%. The average loan amount was $234,208 at an average note rate of 6.95%, with applicants self-reporting average annual income of $37K. 307 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 6.3x, meaning typical borrowers took on mortgages of about 6.3 times their annual income. That ratio is a rough affordability signal: higher multiples imply tighter monthly budgets and greater exposure to rate or income shocks. See our methodology for how to read the denial rate against a local applicant pool.

FIPS 29047 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

11,402
Applications
6,418
Originated
12.9%
Denial Rate
56.3%
Approval Rate
$234,208
Avg Loan Amount
6.95%
Avg Interest Rate
$37K
Avg Applicant Income
6.3x
Loan-to-Income Ratio

Nearby Lenders in Clay County

Top HMDA-reporting lenders active in this county. Compare any two side-by-side for rates, denial rates, and loan mix.

# Lender Originated Market Share
1 Communityamerica Credit Union 1,048 16.3%
2 Rocket Mortgage 355 5.5%
3 PRIMELENDING 334 5.2%
4 Fairway Independent Mort CORP 279 4.3%
5 United Wholesale Mortgage 266 4.1%
Compare Communityamerica Credit Union vs Rocket Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Clay County?
In the 2024 HMDA reporting year, 11,402 mortgage applications were filed in Clay County, Missouri. Of these, 6,418 were originated (approved and funded), while 1,469 were denied, resulting in a denial rate of 12.9%.
What is the mortgage denial rate in Clay County?
The mortgage denial rate in Clay County is 12.9%. The approval (origination) rate is 56.3%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Clay County?
The average mortgage loan amount in Clay County is $234,208. The average interest rate is 6.948%. The average applicant income is $37K.
What is the loan-to-income ratio in Clay County?
The average loan-to-income ratio in Clay County is 6.3x, meaning borrowers took on loans averaging 6.3 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Clay County?
The top mortgage lenders in Clay County by origination volume are Communityamerica Credit Union, Rocket Mortgage, PRIMELENDING. In total, 307 lenders reported mortgage activity in this county.
Where does this mortgage data come from?
This data comes from the CFPB HMDA 2024 Snapshot National Loan-Level Dataset, a mandatory federal disclosure dataset covering all mortgage applications filed with HMDA-reporting institutions. County boundaries are identified by FIPS codes.

Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. County FIPS codes per U.S. Census Bureau standards.

Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Provided for informational purposes only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.