Click on the links for each loan term below for more details about our home loan products.

TermInterest RateAnnual Percentage Rate (APR)
1-Year ARM2.50%2.85%
3/1 Year ARM3.00%3.018%
5/1 Year ARM3.25%3.268%
10-Year Fixed2.50%2.547%
15-Year Fixed2.375%2.407%
20-Year Fixed2.75%2.775%
30-Year Fixed2.875%2.892%
Interest rates, annual percentage yields and annual percentage rates quoted above are as of January 20, 2021, and are subject to change without notice.

APR on home loans is based on a loan amount of $150,000. ARM is an adjustable-rate mortgage loan and the APR is based on a 30-year amortization. CMT is the one year average on U.S. Treasuries adjusted to a constant maturity. Loans quoted are based on an 80% LTV (loan-to-value). Loans are available up to 95% LTV with private mortgage insurance. Interest rate and APR quoted on home loans are for customers with a minimum credit score of 740. Actual rates may be higher based on a lower credit score.

Please call Clay County Savings Bank’s loan department at (816) 781-4500 during normal business hours for current interest rates on loans.

Our Registered S.A.F.E. Mortgage Loan Originators

NameTitleNMLS Unique IdentifierPhone Number
Kathryn VarnonSenior Vice President710843(816) 781-4500
Danial (Dan) HoltLoan Officer804547(816) 781-4500
Cristina JohnsonLoan Officer764782(816) 468-1120
Tyler GrayCommercial Loan Officer1570856(816) 781-4500
Pamela CrowAssistant Vice President 779851(816) 628-4500
Nancy LloydLoan Servicing1244930(816) 781-4500
Emily OusleyLoan Processor/Closer1778121(816) 781-4500
Reagan HaleLoan Processor1985424(816)781-4500
Valerie FortLoan Review Specialist764776(816) 781-4500
Mario UseraPresident764769(816) 781-4500
Jacqueline MurthaVice President553911(816) 781-4500