Clay County Savings Bank Mortgage Rates, Fees & Info

Liberty, MO

LEI: 549300RZPBSWI1W4LT95

Tax ID: 44-0202690

Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Review & Overview

    Clay County Savings Bank is a smaller bank specializing in Home Improvement, Home Purchase, and Cash Out Refi loans. Clay County Savings Bank has a high proportion of conventional loans. Their top (well, only) market is Kansas City.

    Clay County Savings Bank has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

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    Originations

    15

    Origination Dollar Volume (All Markets)

    $3,435,000

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    KANSAS CITY, MO-KS (FHA|USDA|VA) 15 $3,435,000 $229,000 $0 0.00%
    Clay County Savings Bank's top markets include and Kansas City among others.

    Their top states include:
  • Missouri (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against Clay County Savings Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    MAINSTREET FEDERAL CREDIT UNION
    Similarity Rank: 154
    Landmark National Bank
    Similarity Rank: 525
    FRONTIER COMMUNITY CREDIT UNION
    Similarity Rank: 602
    Capitol Federal Savings Bank
    Similarity Rank: 660
    Hawthorn Bank
    Similarity Rank: 735
    Oakstar Bank
    Similarity Rank: 893
    Truity Federal Credit Union
    Similarity Rank: 1127
    Mazuma Credit Union
    Similarity Rank: 2128
    Stifel Bank and Trust
    Similarity Rank: 2190
    Mid-America Bank
    Similarity Rank: 2242

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 15 $3,435,000 $229,000 $0 0.00%

    For 2024, Clay County Savings Bank's most frequently originated type of loan was Conventional, with 15 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Improvement 5 $1,175,000 $235,000 $0 0.00%
    Home Purchase 4 $1,280,000 $320,000 $0 0.00%
    Cash Out Refi 4 $860,000 $215,000 $0 0.00%
    Other 1 $65,000 $65,000 $0 0.00%
    Refi 1 $55,000 $55,000 $0 0.00%

    For 2024, Clay County Savings Bank's most frequently cited loan purpose was Home Improvement, with 5 originations. The 2nd most popular reason was Home Purchase, with 4 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 15 $3,435,000 $229,000 $0 0.00%

    For 2024, Clay County Savings Bank's most frequently cited loan duration was Other, with 15 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 5 $255,000 $51,000 $0 0.00%
    $200k-400k 4 $970,000 $242,500 $0 0.00%
    $400k-600k 4 $1,910,000 $477,500 $0 0.00%
    $100k-200k 2 $300,000 $150,000 $0 0.00%

    2024 saw Clay County Savings Bank place emphasis on $100,000 or less loans with 5 originations, totaling $255,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 6 $850,000 $141,667 $0 0.00%
    $150k-250k 4 $1,360,000 $340,000 $0 0.00%
    $75k-100k 3 $415,000 $138,333 $0 0.00%
    $250k+ 2 $810,000 $405,000 $0 0.00%

    Clay County Savings Bank lent most frequently to those with incomes in the $100k-150k range, with 6 originations. The second most popular income band? $150k-250k, with 4 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 15 $3,435,000 $229,000 $0 0.00%

    Clay County Savings Bank lent most frequently to those with DTI ratios of Exempt%, with 15 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 13 $2,605,000 $200,385 $0 0.00%
    Not provided 1 $575,000 $575,000 $0 0.00%
    Asian Indian 1 $255,000 $255,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    81.82%

    Clay County Savings Bank has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    80.00%

    Clay County Savings Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 15 $3,435,000 $229,000

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    15 $3,435,000 $229,000