Russell Clay

SVP, Mortgage Division Manager

NMLS# 539490

5.0

Email Russell Cell: (573) 302-2471 Office: (800) 547-2438, ext. 22471 3848 Osage Beach Pky
Osage Beach, MO 65065

Apply with Russell

Russell Clay

Apply with Russell

About Me

Russ began his career in mortgage lending in 1999 and came to Central Bank of Lake of the Ozarks in 2003. He is responsible for managing the Mortgage Division. In addition, to managing the department he specializes in providing mortgage loans for one to four family residential transactions. Lending at Lake of the Ozarks can be a challenge, but with Russ's expertise and experience he will do everything within his power to make your purchase or refinance transaction go smoothly. Give him a call, let him help you with that next purchase or refinance!

Homebuyer Stories

Russell's Customer Reviews

5.0

September 2025

five Star all the way. Russ and his team are top notch. I wouldn't go through anyone else

Brandon S.
September 2025

We recently refinanced our home and had the absolute pleasure of working with Russ Clay with Central Bank of Lake of the Ozarks. From start to finish, the process was smooth, stress-free, and far easier than we ever imagined. Russ was knowledgeable, responsive, and patient in answering all of our questions. He took the time to explain each step clearly, kept us updated throughout the process, and made sure we felt confident in our decisions. The professionalism was matched by a genuine friendliness that made the whole experience feel personal. We are so grateful for their guidance and expertise in helping us secure the best option for our family. We would highly recommend Russ Clay and Central Bank of Lake of the Ozarks to anyone looking to refinance or purchase a home—you’ll be in excellent hands!

Sarah R.
August 2025

Overall experience was outstanding!! Way to go and Thank You, Russell!

Todd R.
June 2025

Thanks Russ for all your help!

Amy F.
March 2025

professional / timely / sincere

Taylor B.
February 2025

Russ provided great customer service and communication. The loan process went smoothly and in a timely manner.

James J.
January 2025

Russ makes the process a breeze! I'd highly recommend him and Central Bank to anyone in need of a morgage

Matthew P.
January 2025

This process was stress free due to the advice time and advice that Russ and his team committed to us. Thank you!

Shawna P.

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