Home improvement loan lenders in Clay County, Missouri
Fat Boy Data analyzed home improvement loan activity in Clay County, Missouri, home to Kansas City, to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 2,762 applications were decided by 108 lenders between 2023 and 2025.
Clay County at a glance
How Clay County compares
What the data shows
Communityamerica Federal Credit Union made the most home improvement loans in Clay County, MO, 796 of them.
That is 45% of every home improvement loan originated here, so this market is unusually concentrated in one lender.
Public Safety Credit Union approved the highest share of applications among lenders with at least 20 decisions here, 100% of 20.
Only 1 lender here typically writes at or below $35K: Public Safety Credit Union.
Each dot is one lender, placed at its approval rate. Hover for the sample size; the 5 largest lenders are named, the rest are behind the unlock.
Home improvement loan lenders in Clay County
| Lender | Approval | Approved | Taken up | Typical loan | Loans made | |
|---|---|---|---|---|---|---|
| 1 | Communityamerica Federal Credit Union | 77% | 866 / 1,124 | 92% | $65K | 796 |
| 2 | Commerce Bank | 60% | 157 / 262 | 98% | $55K | 154 |
| 3 | Bank of America, National Association | 48% | 113 / 234 | 96% | $55K | 108 |
| 4 | U.S. Bank National Association | 60% | 112 / 187 | 96% | $65K | 107 |
| 5 | UMB Bank, National Association | 70% | 80 / 114 | 98% | $55K | 78 |
Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals borrowers accepted. Lenders with fewer than 20 decisions are marked as a limited sample and never used for a “highest approval” claim.How the numbers work.
Fat Boy found 103 more lenders.
One email unlocks every lender Fat Boy found.
You are seeing the 5 largest home improvement loan lenders in Clay County. Unlock the full market: every lender that decided one of these loans here, what they approved, how much borrowers took, and how close the nearest office is.
- Every lender in the market
- Approval rate and borrower take-up
- Typical loan size and range
- Nearest office and distance
- Branch count and application options
- How easy each lender is to reach
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