Mortgage Lenders and Brokers in Clay Center, Kansas
Brian McKay
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iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
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✓Fact Checked
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Loan Rates Last Updated and Verified: October 7, 2026
Clay Center, Kansas mortgage lenders include Gnbank, N.A.Gnbank, N.A.624 W Crawford St, Clay Center, KS 67432A+5.0 ★Texas Ratio: 0.84%, United Bank & TrustUnited Bank & Trust502 Lincoln Ave, Clay Center, KS 67432A+5.0 ★Texas Ratio: 0.88%, The Citizens National BankThe Citizens National Bank615 Court St, Clay Center, KS 67432B+3.8 ★Texas Ratio: 0.00%, The Bennington State BankThe Bennington State Bank418 Nw 3rd St, Abilene, KS 67410A+5.0 ★Texas Ratio: 1.98%, Community First National BankCommunity First National Bank210 Tuttle Creek Blvd, Manhattan, KS 66502A+5.0 ★Texas Ratio: 1.41%, First National Bank of OmahaFirst National Bank of Omaha2828 Shawnee Mission Pkwy, Fairway, KS 66205A+5.0 ★Texas Ratio: 4.82%, Capitol Federal Savings BankCapitol Federal Savings Bank114 E Cloud Ave, Andover, KS 67002A+5.0 ★Texas Ratio: 5.21%, Envista Federal Credit UnionEnvista Federal Credit Union1803 N Lorraine St, Hutchinson, KS 67502A+5.0 ★Texas Ratio: 2.13%, Kansas State University Federal Credit UnionKansas State University Federal Credit Union109 E 1st St, Enterprise, KS 67441 9100A+5.0 ★Texas Ratio: 4.65%, and Riley State BankRiley State Bank106 S Erpelding Rd, Leonardville, KS 66449A+5.0 ★Texas Ratio: 0.00%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.
Lenders are ranked only by the number of home loans they closed in Clay Center, Kansas in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Clay Center are listed first, then lenders elsewhere in Kansas, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.
Mortgage Lenders and Brokers in Clay Center, Kansas
Market share is the lender's share of all home loans closed in Clay Center, Kansas. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.
| Lender | Programs | Loans closed | Market share | Approval share | Average loan | View |
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1 office in Clay Center 624 W Crawford St, Clay Center, KS 67432 A+5.0 ★Texas Ratio: 0.84% |
Conventional, USDA | 11 | 13.4% | 84.6% | $141,363 | View |
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2 offices in Clay Center 502 Lincoln Ave, Clay Center, KS 67432 A+5.0 ★Texas Ratio: 0.88% |
Conventional | 6 | 7.3% | 75% | $181,666 | View |
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1 office in Clay Center 615 Court St, Clay Center, KS 67432 B+3.8 ★Texas Ratio: 0.00% |
Conventional | 2 | 2.4% | 66.7% | $125,000 | View |
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418 Nw 3rd St, Abilene, KS 67410 A+5.0 ★Texas Ratio: 1.98% |
Conventional | 2 | 2.4% | 100% | $70,000 | View |
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210 Tuttle Creek Blvd, Manhattan, KS 66502 A+5.0 ★Texas Ratio: 1.41% |
Conventional | 2 | 2.4% | 100% | $165,000 | View |
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2828 Shawnee Mission Pkwy, Fairway, KS 66205 A+5.0 ★Texas Ratio: 4.82% |
Conventional, FHA | 2 | 2.4% | 100% | $170,000 | View |
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114 E Cloud Ave, Andover, KS 67002 A+5.0 ★Texas Ratio: 5.21% |
Conventional | 1 | 1.2% | 100% | $125,000 | View |
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1803 N Lorraine St, Hutchinson, KS 67502 A+5.0 ★Texas Ratio: 2.13% |
Conventional | 1 | 1.2% | 100% | $25,000 | View |
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109 E 1st St, Enterprise, KS 67441 9100 A+5.0 ★Texas Ratio: 4.65% |
Conventional | 1 | 1.2% | 100% | $245,000 | View |
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106 S Erpelding Rd, Leonardville, KS 66449 A+5.0 ★Texas Ratio: 0.00% |
Conventional | 1 | 1.2% | 100% | $35,000 | View |
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103 E Parallel St, Clifton, KS 66937 A+5.0 ★Texas Ratio: 0.48% |
Conventional | 1 | 1.2% | 100% | $85,000 | View |
Communityamerica Federal Credit Union
7714 State Ave, Kansas City, KS 66112 |
HELOC | 0 +1 HELOCs |
0% | n/a | ||
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401 N Spruce St, Abilene, KS 67410 A+5.0 ★Texas Ratio: 1.45% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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406 S Andover Rd, Andover, KS 67002 A+5.0 ★Texas Ratio: 3.11% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Mortgage Investment Services Corporation
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FHA | 2 | 2.4% | 100% | $125,000 | |
Mortgage Research Center
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VA | 6 | 7.3% | 85.7% | $205,000 | |
Guaranteed Rate, Inc.
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Conventional, FHA, USDA | 5 | 6.1% | 83.3% | $75,000 | |
Rocket Mortgage
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Conventional, FHA, VA | 5 | 6.1% | 55.6% | $85,000 | |
United Wholesale Mortgage
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VA | 4 | 4.9% | 100% | $162,500 | |
Mortgage Solutions of Colorado
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VA | 4 | 4.9% | 100% | $207,500 | |
New Day Financial, LLC.
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VA | 3 | 3.7% | 100% | $111,666 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA | 3 | 3.7% | 100% | $158,333 | |
Primelending
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Conventional, FHA | 2 | 2.4% | 100% | $160,000 | |
Kind Lending, LLC
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Conventional, FHA | 2 | 2.4% | 100% | $90,000 | |
Amerisave Mortgage Company
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VA | 2 | 2.4% | 100% | $160,000 | |
Fairway Independent Mort Corp
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FHA, USDA | 2 | 2.4% | 100% | $140,000 | |
Royal United Mortgage LLC
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Conventional | 1 | 1.2% | 100% | $45,000 | |
Freedom Mortgage Corporation
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FHA | 1 | 1.2% | 100% | $55,000 | |
Newrez LLC
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Conventional | 1 | 1.2% | 100% | $155,000 | |
Pennymac Loan Services LLC
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USDA | 1 | 1.2% | 100% | $315,000 | |
loanDepot.com LLC
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Conventional | 1 | 1.2% | 100% | $75,000 | |
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A+5.0 ★Texas Ratio: 3.66% |
Conventional | 1 | 1.2% | 100% | $365,000 | View |
Mid-Continent Funding, Inc.
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VA | 1 | 1.2% | 100% | $135,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
Conventional | 1 | 1.2% | 100% | $125,000 | View |
Planet Home Lending, LLC
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VA | 1 | 1.2% | 100% | $175,000 | |
Four Points Federal Credit Union
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Conventional | 1 | 1.2% | 100% | $235,000 | |
Premier Members Credit Union
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Conventional | 1 | 1.2% | 100% | $145,000 | |
New American Funding, LLC.
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FHA | 1 | 1.2% | 100% | $205,000 |
Clay Center Mortgage Rate Trends
Daily average mortgage rates for Kansas compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in Clay Center, Kansas
Looking for mortgage lenders near me or mortgage brokers near me in Clay Center? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Clay Center in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Clay Center, KS
Use these to narrow the list above. Each category shows how many Clay Center, KS lenders fit and what that kind of lender is usually best for.
Who Lends in Clay Center, KS
Independent mortgage companies closed 52.4 percent of home loans in Clay Center, Kansas in 2025, banks 39 percent and credit unions 8.5 percent. Mortgage Investment Services Corporation was the largest mortgage company, Gnbank, N.A. the largest bank and Envista Federal Credit Union the largest credit union. Among lenders headquartered in Kansas, Gnbank, N.A. led with 11 loans.
How to Read This List
A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.
Title or escrow companies usually handle closings in Kansas. None; the mortgage registration tax was fully phased out in 2019.
More Kansas Mortgage Lender Pages
Frequently Asked Questions About Mortgage Lenders in Clay Center, KS
By home loans closed in 2025, Gnbank, N.A. was the largest mortgage lender in Clay Center, Kansas with 11 loans, about 13.4 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
9 lenders closed FHA loans in Clay Center, Kansas in 2025, led by Mortgage Investment Services Corporation with 2. 9 lenders closed VA loans, led by Mortgage Research Center, and 4 closed USDA rural loans. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 14 banks and 6 credit unions closed home loans in Clay Center, Kansas in 2025, alongside 18 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Lenders are ranked only by the number of home loans they closed in Clay Center, Kansas during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.
Methodology and Sources
Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Clay Center, Kansas for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Clay Center. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.
