{
  "canonical_url": "https://lendb.ai/in/missouri/clay-county/va-loans",
  "summary": "These are lenders, not loan officers. Of the lenders LenDb lists, 52 funded VA home loans in Clay County, MO in 2025, 439 loans in all, per HMDA, FFIEC/CFPB data. The most active were Veterans United Home Loans (74), United Wholesale Mortgage (47) and Freedom Mortgage (44). 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": "va",
  "year": 2025,
  "source": "HMDA, FFIEC/CFPB",
  "source_url": "https://ffiec.cfpb.gov/data-publication/snapshot-national-loan-level-dataset/2025",
  "totals": {
    "lenders": 52,
    "lenders_10": 12,
    "loans": 439,
    "qualifies": true
  },
  "lenders": [
    {
      "nmls_id": 1907,
      "name": "Veterans United Home Loans",
      "slug": "veterans-united-home-loans-1907",
      "canonical_url": "https://lendb.ai/lender/veterans-united-home-loans-1907",
      "loans": 74,
      "includes_brokered": false,
      "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": 47,
      "includes_brokered": true,
      "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": 44,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 399807,
      "name": "Navy Federal Credit Union",
      "slug": "navy-federal-399807",
      "canonical_url": "https://lendb.ai/lender/navy-federal-399807",
      "loans": 23,
      "includes_brokered": false,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 3030,
      "name": "Rocket Mortgage",
      "slug": "rocket-mortgage-3030",
      "canonical_url": "https://lendb.ai/lender/rocket-mortgage-3030",
      "loans": 20,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 13649,
      "name": "PrimeLending",
      "slug": "primelending-13649",
      "canonical_url": "https://lendb.ai/lender/primelending-13649",
      "loans": 20,
      "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": 19,
      "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": 12007,
      "name": "LeaderOne Financial",
      "slug": "leaderone-financial-12007",
      "canonical_url": "https://lendb.ai/lender/leaderone-financial-12007",
      "loans": 19,
      "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": 35953,
      "name": "Pennymac",
      "slug": "pennymac-35953",
      "canonical_url": "https://lendb.ai/lender/pennymac-35953",
      "loans": 18,
      "includes_brokered": true,
      "loan_officers": {
        "total": 0,
        "people": []
      }
    },
    {
      "nmls_id": 3013,
      "name": "Newrez",
      "slug": "newrez-3013",
      "canonical_url": "https://lendb.ai/lender/newrez-3013",
      "loans": 12,
      "includes_brokered": true,
      "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."
}