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

TermInterest RateAnnual Percentage Rate (APR)
1-Year ARM4.75%7.192%
3/1 Year ARM5.25%6.917%
5/1 Year ARM5.50%6.725%
10-Year Fixed4.875%4.956%
15-Year Fixed5.25%5.307%
20-Year Fixed6.00%6.047%
30-Year Fixed6.375%6.411%
Interest rates, annual percentage yields and annual percentage rates quoted above are as of December 7, 2022, 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
Cristina JohnsonVice President- Lending764782(816) 781-4500
Danial (Dan) HoltLoan Officer804547(816) 781-4500
Tyler GrayCommercial Loan Officer1570856(816) 781-4500
Nancy LloydLoan Servicing1244930(816) 781-4500
Emily OusleyLoan Processor/Closer1778121(816) 781-4500
Brandon SchmiedekeAssistant Vice President /Kearney Branch Manager1911925(816)628-4500
Pamela CrowVP Compliance Officer/Internal Auditor779851(816) 781-4500
Valerie FortLoan Review Specialist764776(816) 781-4500
Mario UseraPresident764769(816) 781-4500
Jacqueline MurthaVice President553911(816) 781-4500