{
  "canonical_url": "https://lendb.ai/in/missouri/clay-county/usda-loans",
  "summary": "These are lenders, not loan officers. Of the lenders LenDb lists, 10 funded USDA home loans in Clay County, MO in 2025, 14 loans in all, per HMDA, FFIEC/CFPB data. The most active were Flat Branch Mortgage, Inc. (3), Fairway Independent Mortgage Corporation (2) and PrimeLending (2). 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": "usda",
  "year": 2025,
  "source": "HMDA, FFIEC/CFPB",
  "source_url": "https://ffiec.cfpb.gov/data-publication/snapshot-national-loan-level-dataset/2025",
  "totals": {
    "lenders": 10,
    "lenders_10": 0,
    "loans": 14,
    "qualifies": false
  },
  "lenders": [
    {
      "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": 3,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 2289,
      "name": "Fairway Independent Mortgage Corporation",
      "slug": "fairway-independent-mortgage-2289",
      "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289",
      "loans": 2,
      "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": 13649,
      "name": "PrimeLending",
      "slug": "primelending-13649",
      "canonical_url": "https://lendb.ai/lender/primelending-13649",
      "loans": 2,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 1788,
      "name": "Sierra Pacific Mortgage Company Inc",
      "slug": "sierra-pacific-mortgage-company-inc-1788",
      "canonical_url": "https://lendb.ai/lender/sierra-pacific-mortgage-company-inc-1788",
      "loans": 1,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 1820,
      "name": "CMG Home Loans",
      "slug": "cmg-home-loans-1820",
      "canonical_url": "https://lendb.ai/lender/cmg-home-loans-1820",
      "loans": 1,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 3028,
      "name": "Towne Mortgage Company",
      "slug": "towne-mortgage-company-3028",
      "canonical_url": "https://lendb.ai/lender/towne-mortgage-company-3028",
      "loans": 1,
      "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": 1,
      "includes_brokered": true,
      "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": 1,
      "includes_brokered": false,
      "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": 1,
      "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": 12007,
      "name": "LeaderOne Financial",
      "slug": "leaderone-financial-12007",
      "canonical_url": "https://lendb.ai/lender/leaderone-financial-12007",
      "loans": 1,
      "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"
          }
        ]
      }
    }
  ],
  "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."
}