County directory · Missouri
CDFI lenders in Clay County, MO
2 certified CDFIs name Clay County or a town in it as part of their service area on their own website. 1 more is headquartered here. Sources: lender websites (29 Oct 2026–4 Nov 2026), the CDFI Fund list (21 Oct 2026).
- Name this county
- 2
- Based here
- 1
- Serve all of MO
- 0
A lender naming Clay County on its website is a good sign, not an offer. Lenders based elsewhere may lend here too. Search your exact ZIP code in the finder to include lenders based nearby. Towns in this county: Excelsior Springs, Holt, Kansas City, Kearney, Liberty, Missouri City, Mosby, Smithville.
Lenders compared for Clay County
5 with local records| Lender | Local records | Loan sizes | Head office |
|---|---|---|---|
| 1. Mazuma Credit Union Credit union, Overland Park KS | website names Clay County; 2 offices here; 44 home loans here, 2025 | $100–$250,000 | 30 mi |
| 2. Legacy Bank & Trust Company Bank or thrift, Mountain Grove MO | 4 SBA loans here, FY2020–FY2026 | ask | 187 mi |
| 3. Justine Petersen Housing and Reinvestment Corporation Loan fund, St. Louis MO | 3 SBA loans here, FY2020–FY2026 | ask | 232 mi |
| 4. AltCap Loan fund, North Kansas City MO | headquarters here | $5,000–$350,000 | 10 mi |
| 5. Central Bank of Kansas City Bank or thrift, Kansas City MO | website names Kansas City | ask | 12 mi |
5 of these 5 lenders have received CDFI Fund awards, together $102.3M in fiscal years 1996–2024 (CDFI Fund award database; each lender page lists its awards). An award funds the lender, not a particular borrower.
Order: how many kinds of local record we hold (its website names the county or a town in it, headquarters, a branch, SBA loans or HMDA home loans for borrowers here), then the number of those records, then the head office's distance from the county centre. Loan sizes are the range the lender's website states. It is not a rating and nobody pays for a place. SBA loans: SBA 7(a)/504 data (FY2020–FY2026, 3 or more shown); home loans: HMDA 2025 originations (3 or more shown); branches: FDIC/NCUA; distances are straight lines from the average position of the county's ZIP codes.
Where these lenders have offices
3 lenders3 head offices and 8 branches or offices of 3 lenders on this page, within 30 miles of the centre of Clay County. Lenders with no office nearby may still lend here; many work by phone and online.
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loan types confirmed on these lenders' websites
- Small-business loans (3 lenders)
- Commercial real estate loans (2 lenders)
- Equipment loans (2 lenders)
- Affordable housing development loans (1 lender)
- Auto / vehicle loans (1 lender)
- Small-dollar / emergency loans (1 lender)
- Personal / consumer loans (1 lender)
- SBA-backed loans (7(a)/504/Community Advantage) (1 lender)
Banks and credit unions with a branch in this county
1 certified CDFI has at least one office in Clay County (NCUA branch data as of 30 Jun 2026). A branch shows presence, not a stated service area; credit unions also require membership.
CDFI mortgage lenders active here
Certified CDFIs reported 46 originated home loans for properties in Clay County in 2025 under the Home Mortgage Disclosure Act: 0.6% of the 7,078 home loans that all HMDA lenders reported here.
Plus 1 more certified CDFI with fewer than 3 loans here each (not listed).
A lender headquartered far away can appear here: HMDA counts the county of the property, not of the lender. Banks and credit unions below the HMDA reporting thresholds and most loan funds do not report, so other CDFIs may also lend here.
Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.
Small business and SBA lending in Clay County
Official statisticsMedian household income in Clay County is $88,468, 25% above the Missouri figure of $70,702 (ACS 2020–2024).
Businesses here took 48.8 SBA-backed loans per 1,000 employer businesses over FY2020–FY2026: more than the median Missouri county (30.3), rank 31 of 115.
| Measure | Clay County | Missouri |
|---|---|---|
| Businesses with paid employees (CBP 2023) | 5,654 (3.7% of the state) | 151,475 |
| …of which under 20 employees | 83% | 85% |
| Businesses without employees (Nonemployer Statistics 2023) | 19,933 | 485,486 |
| Median household income (ACS 2020–2024) | $88,468 (25% above the state) | $70,702 |
| SBA 7(a) and 504 approvals, all lenders, FY2020–FY2026 | 276 (253 7(a), 23 504) | 6,593 |
| …per 1,000 businesses with employees | 48.8 (rank 31 of 115 Missouri counties) | 30.3 (median county) |
| Median SBA 7(a) loan, all lenders | $194,500 | $225,000 |
| …with a certified CDFI as lender, CDC or third-party lender | 9 (3%) | 185 (3%) |
| Variable-rate 7(a): median rate over prime at approval, FY2024–26 | 2.75 pts (93 loans; 6% at the SBA maximum) | 2.75 pts (9% at the maximum) |
Approvals by fiscal year: FY2020 31 · FY2021 50 · FY2022 40 · FY2023 32 · FY2024 39 · FY2025 49 · FY2026 35.
For comparison, not an offer. SBA figures count approvals by every SBA lender for borrowers whose ZIP code lies in the county, not only CDFIs; approval is not disbursement. Rate over prime = the SBA's recorded initial rate minus the prime rate on the approval day; SBA caps it at 3 to 6.5 points depending on loan size (current prime rate and caps: methodology).
Sources: Census Bureau County Business Patterns 2023, Nonemployer Statistics 2023 and American Community Survey 2020–2024 (table B19013); SBA 7(a) & 504 FOIA data as of 30 Sep 2026; prime rate: FRED DPRIME; SBA maximums: SBA 7(a) terms. Downloaded 15 Nov 2026. How we compute these.
SBA loans made here by CDFIs
SBA data as of 30 Sep 2026Certified CDFIs were the lender, the CDC or the third-party lender on 9 SBA approvals (9 7(a) loans) for borrowers in Clay County in fiscal years 2020–2026, from 3 CDFIs. The 7(a) loans total $1.3M approved.
CDFIs with 3 or more: Legacy Bank & Trust Company (4), Justine Petersen Housing and Reinvestment Corporation (3). 1 more CDFI made 1 or 2 each.
Counted by the county of the borrower's ZIP code. Approval is not disbursement. These are only the SBA loans of certified CDFIs; most SBA lenders here are not CDFIs, and CDFIs also lend outside SBA programs.
Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data, files as of 30 Sep 2026, downloaded 3 Nov 2026. Our counts, cancelled approvals left out. How we match lenders.
CDFI lending recorded here (FY2022)
CDFI Fund data, released Dec 202440 loans and investments totaling $17.1M (median $120,898) were reported to the CDFI Fund for borrowers and projects in Clay County in fiscal year 2022, by 12 reporting CDFIs.
| Purpose (CDFI Fund category) | Count | Total | Median |
|---|---|---|---|
| Non-real estate microenterprise | 11 | $233,361 | $15,960 |
| Home purchase | 8 | $3.4M | $311,000 |
| Non-real estate business | 7 | $592,492 | $62,100 |
| Real estate: single-family housing rehabilitation | 7 | $847,768 | $122,604 |
| Real estate: commercial construction, permanent or acquisition | 5 | $10.4M | $1.9M |
CDFI banks and credit unions also reported 774 consumer loans in Clay County totaling $5.8M (Consumer Loan Report, tract totals, so no median); they counted 28% of them as serving low-income borrowers.
Loans and investments reported in other years: FY2018 77 · FY2019 65 · FY2020 118 · FY2021 193.
Only CDFIs that hold an active CDFI Fund award (CDFI Program, Native American CDFI Assistance or the CDFI Rapid Response Program) report these transactions, so this is not all lending by the certified CDFIs on this page. The Fund masks which CDFI made each loan, so we cannot say which lender listed here made them.
Source: CDFI Fund, CDFI/NACA/CDFI RRP Program Award Recipient Data Release, Transaction Level Report and Consumer Loan Report public files for fiscal year 2022 (released Dec 2024; downloaded 3 Nov 2026). Amounts are original loan or investment amounts as reported. Place = the 2010 census tract of each record. How we count.
Lenders whose website names Clay County or a town in it
- Central Bank of Kansas CityBank or thrift · Kansas City, MOCommercial real estate loans, Equipment loans, Affordable housing development loans, Small-business loansNames Kansas City ·
Kansas City area
Verified - Mazuma Credit UnionCredit union · Overland Park, KSAuto / vehicle loans, Commercial real estate loans, Small-dollar / emergency loans, Equipment loans…Names Clay County ·
Members in Jackson, Cass, Clay, Platte (MO) and Wyandotte, Johnson (KS) counties
Verified
Headquartered in Clay County
The official list gives a headquarters address here. Check each lender's page for where it lends.
Free help before you apply
These offices give free or low-cost advice: a Small Business Development Center or SCORE mentor can help with the business plan, cash-flow projections and paperwork most business lenders ask for, and a HUD-approved housing counselor can help with a homebuyer course, a budget or a missed mortgage payment. Some counseling agencies also lend; using their advice does not commit you to their loans. Call ahead to check hours and what they cover.
Business advice
- Missouri SBDC at University of Missouri - Kansas City (UMKC)Small Business Development Center · 4747 Troost Suite 1000, Kansas City, MO 64110816-235-6063 · about 17 miles from the centre of Clay County
- Kansas City SCORESCORE mentoring · UMKC Innovation Center, 4747 Troost Ave, Suite 101, Kansas City, MO 64110816-235-6675 · about 17 miles from the centre of Clay County
- Kansas Women's Business CenterWomen's Business Center · 6405 Metcalf Avenue, Building 3, Suite 318, Overland Park, KS 66202913-492-5922 · about 20 miles from the centre of Clay County
Housing counseling
- Community Services LeagueHUD-approved housing counselor · 404 N Noland Rd, Independence, MO 64050816-912-4493 · about 12 miles from the centre of Clay County
- Greater Kansas City Housing Information CenterHUD-approved housing counselor · 3200 Wayne Ave, Kansas City, MO 64109816-931-0443 · about 15 miles from the centre of Clay County
Sources: SBA local assistance listings, read 6 Nov 2026; HUD's list of approved housing counseling agencies (open-data version last updated 9 Apr 2025). For the current list and the services each agency offers, use the CFPB's housing counselor search (it uses HUD's list) or call HUD at 800-569-4287. Offices are placed by ZIP code, so distances are approximate.
City pages in Clay County
Other Missouri counties
Source: CDFI Atlas, cdfiatlas.com/states/mo/counties/clay-county/. © 2026 CDFI Atlas. Quoting with a link is welcome; republishing the pages or the compiled data is not (terms of use).