Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Clay County, Missouri
Every institution that decided a 1–4 unit mortgage application in Clay County, home to Kansas City, between 2023 and 2025: 21,143 applications, 17,410 loans actually funded, across 8 kinds of borrowing.
Clay County at a glance
21,143Applications decided
2023–2025
17,410Loans funded
82% of decisions
55Census tracts
14 ZIP codes
255,566People
ACS 2023
What the data shows
The typical purchase mortgage here is $275K.
Lending by loan type in Clay County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 92.7% | 11,252 | $275K | 98% | 347 |
| Home improvement loans | 68.0% | 2,762 | $65K | 94% | 108 |
| Cash-out refinance | 73.2% | 3,087 | $165K | 96% | 170 |
| Refinance | 83.2% | 2,635 | $255K | 93% | 181 |
| Investment property purchase | 93.7% | 898 | $175K | 97% | 176 |
| Investment cash-out refinance | 83.1% | 213 | $165K | 97% | 78 |
| Investment refinance | 86.9% | 198 | $165K | 96% | 84 |
| Investment home improvement | 59.2% | 98 | $75K | 98% | 45 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.