Russell Clay

SVP, Mortgage Division Manager

NMLS# 539490

4.8

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

4.8

October 2026

I have never heard of Russell CLay until this survey. Our two primary contacts, Hutch Hutceson and Stacie Streets left Central Bank one week prior to our closing.

Scott J.
October 2026

Central Bank staff is extremely nice and proffesional. We enjoy the relationship. Alfonso

Alfonso S.
July 2026

Very profesional and personal service!

Drennan C.
July 2026

From start to finish, Russ walked us through each step .

Teri C.
July 2026

Russ consistenly provides exceptional service. He is helpful, professional, extremely knowledgeable and very dependable whenever we need assistance. It is always a pleasure working with him. Others we have worked with at the bank have always been very helpful and kind.

Judith C.
May 2026

I know the business better than most. Russ did an outstanding job in every way. On a scale from 1-5; he was a 10. I woukd would highly recommend him to anyone. Keep up the great work. DGS

Daniel S.
April 2026

Russ kept me in the loop and communicated all the way to closing. It was a great experience and they made the process seem effortless.

Tony H.
September 2025

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

Brandon S.

You're Home - Our Mortgage App

Make your mortgage easy. With the You’re Home mortgage app from Central Bank, staying on top of your mortgage is simpler than ever. Find all the information you need regarding the process of your loan, all in one central location, right at your fingertips.

Let's talk, send me a quick message.

Mortgage Payment Calculator

Home Affordability