Lowest closing cost mortgage lenders in Clay County County, Missouri
In Clay County, Missouri, homebuyers paid a median of $4,029 in closing costs in 2024 — below the Missouri median of $4,120. The county saw 3,089 purchase mortgages at a median rate of 6.62%. Among lenders with 10+ originations, NBKC BANK offered the lowest median costs at $2,044, which is $1,337 less than the county median.
Homebuyers in Clay County County who chose NBKC BANK paid $1,985 less in closing costs than the county median.
County Median Costs
$4,029
−2.2% vs Missouri ($4,120)
Median Rate
6.620%
+0.0% vs national (6.620%)
Median Origination
$1,628
Purchase Originations
3,089
vs Missouri Median
2.2% below
$-91
vs National Median
40.2% below
$-2,712
Lender rankings in Clay County County
49 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,044 | 6.433% | $250 | 36 | −$1,337 | |
| 2 | $2,256 | 6.500% | $1,077 | 24 | −$1,125 | |
| 3 | $2,279 | 5.938% | $1,045 | 22 | −$1,102 | |
| 4 | $2,294 | 6.788% | $995 | 16 | −$1,086 | |
| 5 | $2,478 | 6.500% | $800 | 12 | −$904 | |
| 6 | $2,609 | 6.375% | $840 | 15 | −$772 | |
| 7 | $2,619 | 6.562% | $600 | 20 | −$762 | |
| 8 | $2,763 | 6.875% | $1,020 | 38 | −$618 | |
| 9 | $2,824 | 6.490% | $995 | 41 | −$557 | |
| 10 | $2,842 | 6.500% | $895 | 249 | −$539 | |
| 11 | $2,852 | 6.500% | $1,300 | 31 | −$530 | |
| 12 | $2,852 | 6.438% | $1,140 | 12 | −$529 | |
| 13 | $2,901 | 6.625% | $1,080 | 16 | −$480 | |
| 14 | $2,937 | 6.750% | $900 | 10 | −$444 | |
| 15 | $2,973 | 6.990% | $1,088 | 13 | −$408 | |
| 16 | $3,066 | 6.625% | $1,375 | 62 | −$315 | |
| 17 | $3,077 | 6.500% | $1,315 | 36 | −$304 | |
| 18 | $3,184 | 6.562% | $1,125 | 10 | −$197 | |
| 19 | $3,208 | 6.625% | $1,640 | 23 | −$173 | |
| 20 | $3,244 | 6.375% | $1,480 | 23 | −$137 | |
| 21 | $3,260 | 7.000% | $1,395 | 11 | −$121 | |
| 22 | $3,330 | 6.933% | $1,826 | 54 | −$51 | |
| 23 | $3,335 | 6.990% | $1,341 | 44 | −$46 | |
| 24 | $3,344 | 6.875% | $1,719 | 159 | −$37 | |
| 25 | $3,370 | 6.750% | $1,195 | 35 | −$11 | |
| 26 | $3,436 | 6.938% | $1,340 | 14 | +$55 | |
| 27 | $3,475 | 7.000% | $1,795 | 37 | +$94 | |
| 28 | $3,481 | 6.625% | $1,674 | 118 | +$100 | |
| 29 | $3,521 | 6.625% | $1,558 | 33 | +$140 | |
| 30 | $3,584 | 6.625% | $1,776 | 17 | +$203 | |
| 31 | $3,648 | 6.875% | $1,728 | 16 | +$267 | |
| 32 | $3,675 | 6.625% | $2,080 | 11 | +$294 | |
| 33 | $4,004 | 6.625% | $2,213 | 196 | +$623 | |
| 34 | $4,111 | 6.812% | $1,494 | 18 | +$730 | |
| 35 | $4,133 | 6.750% | $2,154 | 83 | +$752 | |
| 36 | $4,339 | 6.625% | $2,679 | 12 | +$958 | |
| 37 | $4,443 | 6.875% | $2,789 | 12 | +$1,062 | |
| 38 | $4,510 | 6.950% | $2,279 | 17 | +$1,129 | |
| 39 | $4,547 | 6.933% | $2,854 | 12 | +$1,166 | |
| 40 | $4,581 | 6.625% | $3,800 | 65 | +$1,200 | |
| 41 | $4,867 | 6.875% | $2,993 | 26 | +$1,486 | |
| 42 | $4,958 | 7.125% | $7,232 | 35 | +$1,577 | |
| 43 | $5,065 | 7.250% | $3,142 | 20 | +$1,684 | |
| 44 | $5,249 | 6.875% | $3,616 | 106 | +$1,868 | |
| 45 | $6,227 | 6.990% | $4,970 | 14 | +$2,846 | |
| 46 | $6,536 | 6.875% | $3,988 | 11 | +$3,155 |
Includes lenders with 10+ purchase originations in Clay County County. Source: HMDA 2024. Sorted by median total loan costs.
View detailed closing cost breakdowns and user reviews for lenders in Missouri → Lender Directory
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Data source: HMDA Modified Loan Application Register 2024, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.