{
  "canonical_url": "https://lendb.ai/in/missouri/clay-county/fha-loans",
  "summary": "These are lenders, not loan officers. Of the lenders LenDb lists, 80 funded FHA home loans in Clay County, MO in 2025, 792 loans in all, per HMDA, FFIEC/CFPB data. The most active were Fairway Independent Mortgage Corporation (68), Rocket Mortgage (67) and United Wholesale Mortgage (63). Lenders LenDb does not list yet, and lenders below the HMDA reporting thresholds, are not counted. Loan officers LenDb lists at each lender near Clay County are linked below.",
  "county": {
    "fips": "29047",
    "name": "Clay County",
    "state": "MO"
  },
  "loan_type": "fha",
  "year": 2025,
  "source": "HMDA, FFIEC/CFPB",
  "source_url": "https://ffiec.cfpb.gov/data-publication/snapshot-national-loan-level-dataset/2025",
  "totals": {
    "lenders": 80,
    "lenders_10": 20,
    "loans": 792,
    "qualifies": true
  },
  "lenders": [
    {
      "nmls_id": 2289,
      "name": "Fairway Independent Mortgage Corporation",
      "slug": "fairway-independent-mortgage-2289",
      "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289",
      "loans": 68,
      "includes_brokered": false,
      "loan_officers": {
        "total": 20,
        "people": [
          {
            "nmls_id": 2221807,
            "full_name": "Nick Shiever",
            "canonical_url": "https://lendb.ai/lo/nick-shiever-2221807",
            "branch_city": "Liberty",
            "branch_state": "MO"
          },
          {
            "nmls_id": 928910,
            "full_name": "Michelle O'Rear",
            "canonical_url": "https://lendb.ai/lo/hanaan-o-rear-928910",
            "branch_city": "Kearney",
            "branch_state": "MO"
          },
          {
            "nmls_id": 964408,
            "full_name": "Anita Filardo",
            "canonical_url": "https://lendb.ai/lo/anita-filardo-964408",
            "branch_city": "Kansas City",
            "branch_state": "MO"
          }
        ]
      }
    },
    {
      "nmls_id": 3030,
      "name": "Rocket Mortgage",
      "slug": "rocket-mortgage-3030",
      "canonical_url": "https://lendb.ai/lender/rocket-mortgage-3030",
      "loans": 67,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 3038,
      "name": "United Wholesale Mortgage (broker finder)",
      "slug": "united-wholesale-mortgage-3038",
      "canonical_url": "https://lendb.ai/lender/united-wholesale-mortgage-3038",
      "loans": 63,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 12007,
      "name": "LeaderOne Financial",
      "slug": "leaderone-financial-12007",
      "canonical_url": "https://lendb.ai/lender/leaderone-financial-12007",
      "loans": 52,
      "includes_brokered": false,
      "loan_officers": {
        "total": 11,
        "people": [
          {
            "nmls_id": 246949,
            "full_name": "Roy Pointer",
            "canonical_url": "https://lendb.ai/lo/roy-pointer-246949",
            "branch_city": "Kearney",
            "branch_state": "MO"
          },
          {
            "nmls_id": 267163,
            "full_name": "Carey Hiatt",
            "canonical_url": "https://lendb.ai/lo/carey-hiatt-267163",
            "branch_city": "Kearney",
            "branch_state": "MO"
          },
          {
            "nmls_id": 1245088,
            "full_name": "Nick Roberts",
            "canonical_url": "https://lendb.ai/lo/nick-roberts-1245088",
            "branch_city": "Kearney",
            "branch_state": "MO"
          }
        ]
      }
    },
    {
      "nmls_id": 13649,
      "name": "PrimeLending",
      "slug": "primelending-13649",
      "canonical_url": "https://lendb.ai/lender/primelending-13649",
      "loans": 50,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 2767,
      "name": "Freedom Mortgage",
      "slug": "freedom-mortgage-2767",
      "canonical_url": "https://lendb.ai/lender/freedom-mortgage-2767",
      "loans": 47,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 35953,
      "name": "Pennymac",
      "slug": "pennymac-35953",
      "canonical_url": "https://lendb.ai/lender/pennymac-35953",
      "loans": 41,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 3274,
      "name": "Guild Mortgage",
      "slug": "guild-mortgage-3274",
      "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
      "loans": 36,
      "includes_brokered": false,
      "loan_officers": {
        "total": 28,
        "people": [
          {
            "nmls_id": 1835107,
            "full_name": "Mike Verhoff",
            "canonical_url": "https://lendb.ai/lo/mike-verhoff-1835107",
            "branch_city": "Liberty",
            "branch_state": "MO"
          },
          {
            "nmls_id": 2086937,
            "full_name": "Ammon Dorsey",
            "canonical_url": "https://lendb.ai/lo/ammon-dorsey-2086937",
            "branch_city": "Liberty",
            "branch_state": "MO"
          },
          {
            "nmls_id": 1130753,
            "full_name": "Kimberly Downs",
            "canonical_url": "https://lendb.ai/lo/kimberly-downs-1130753",
            "branch_city": "Kansas City",
            "branch_state": "MO"
          }
        ]
      }
    },
    {
      "nmls_id": 224149,
      "name": "Flat Branch Mortgage, Inc.",
      "slug": "flat-branch-mortgage-inc-224149",
      "canonical_url": "https://lendb.ai/lender/flat-branch-mortgage-inc-224149",
      "loans": 31,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 3043,
      "name": "Megastar Financial Corp.",
      "slug": "megastar-financial-corp-3043",
      "canonical_url": "https://lendb.ai/lender/megastar-financial-corp-3043",
      "loans": 22,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    }
  ],
  "note": "Counts describe the company, not any one loan officer. Only lenders above the HMDA reporting thresholds file, and LenDb has matched about 70% of HMDA loan volume to lenders it lists, so a lender without HMDA data here may still make these loans."
}