# Mid-Continent Funding, Inc.

> **Canonical URL:** https://saferate.com/lenders/mid-continent-funding


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Mid-Continent Funding, Inc. is a independent mortgage company, headquartered in Columbia, US, serving borrowers across 23 states, with 692 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 54% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 51% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300NN0PRX3I4QGG46
- **Headquarters:** Columbia, US
- **Geographic Reach:** Multi-Region
- **States Served:** 23
- **State List:** AL, AR, CO, FL, GA, IL, IN, KS, MD, MN, MO, MS, MT, NC, NM, OH, PA, SC, TN, TX, VA, WA, WI
- **Markets (MSAs):** 16
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 46/100
- Rating: ●●●○○ (3/5)

### Pull Through: Sound ☺️
- Score: 49/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** -0.401%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,873
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 692
- **Dollar Volume:** $210 million
- **Applications Received:** 1,153
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $303,902
- **Average Borrower Income:** $96,275
- **Average Property Value:** $340,419

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 35/100 | 54 | +0.180% | $3,183 | Acceptable 🙂 |
| FHA | 54/100 | 29 | +0.545% | $3,640 | Sound ☺️ |
| VA | 78/100 | 607 | -0.472% | $2,826 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 33 loans, Score: 32/100 (Acceptable)
- Refinance: 21 loans, Score: 27/100 (Acceptable)

**FHA:**
- Purchase: 23 loans, Score: 53/100 (Sound)

**VA:**
- Purchase: 446 loans, Score: 77/100 (Strong)
- Refinance: 161 loans, Score: 83/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 62/100 | 504 | $155M | -0.253% | Strong 😀 |
| Refinance | 56/100 | 188 | $55M | -0.603% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| FL | 171 | 0.06% | 64/100 |
| NC | 107 | 0.07% | 62/100 |
| TX | 84 | 0.02% | 56/100 |
| MO | 64 | 0.09% | 58/100 |
| VA | 59 | 0.05% | 58/100 |
| GA | 44 | 0.03% | 53/100 |
| PA | 34 | 0.03% | 50/100 |
| AL | 26 | 0.04% | 50/100 |
| IL | 14 | 0.01% | 41/100 |
| IN | 13 | 0.01% | 40/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 120 | 56/100 |
| Columbia, MO | MO | 36 | 64/100 |
| Tampa, FL | FL | 29 | 53/100 |
| Virginia Beach | VA-NC | 27 | 53/100 |
| Fayetteville, NC | NC | 23 | 56/100 |
| Jacksonville, FL | FL | 23 | 51/100 |
| Houston | TX | 17 | 44/100 |
| Atlanta | GA | 15 | 43/100 |
| Deltona | FL | 13 | 46/100 |
| Jacksonville, NC | NC | 13 | 48/100 |
| Killeen | TX | 13 | 46/100 |
| Charlotte | NC-SC | 11 | 40/100 |
| Cape Coral | FL | 10 | 41/100 |
| Dallas | TX | 10 | 38/100 |
| Ocala, FL | FL | 10 | 42/100 |

## Where This Lender Ranks

Mid-Continent Funding, Inc. appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#6** in Columbia, MO for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/columbia-mo/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#7** in Columbia, MO Mortgage Companies
  - [View Full Rankings](https://saferate.com/columbia-mo/best-mortgage-lenders/mortgage-companies)
- 🏆 **#7** in Columbia, MO for VA Loans
  - [View Full Rankings](https://saferate.com/columbia-mo/best-mortgage-lenders/va-loans)
- 🏆 **#10** in Columbia, MO for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/columbia-mo/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#11** in Columbia, MO for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/columbia-mo/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#12** in Columbia, MO for FHA Loans
  - [View Full Rankings](https://saferate.com/columbia-mo/best-mortgage-lenders/fha-loans)
- 🏆 **#13** in Columbia, MO
  - [View Full Rankings](https://saferate.com/columbia-mo/best-mortgage-lenders)

## Frequently Asked Questions

### What loan types does Mid-Continent Funding, Inc. offer?

Mid-Continent Funding, Inc. offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Mid-Continent Funding, Inc. offer mortgages?

Mid-Continent Funding, Inc. offers mortgages in 23 states: AL, AR, CO, FL, GA, IL, IN, KS, MD, MN, MO, MS, MT, NC, NM, OH, PA, SC, TN, TX, VA, WA, WI.

### How competitive are Mid-Continent Funding, Inc.'s mortgage rates?

Mid-Continent Funding, Inc. has a pricing score of 46/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.401% below market average.

### What type of lender is Mid-Continent Funding, Inc.?

Mid-Continent Funding, Inc. is a non-depository lender that specializes in mortgage origination, headquartered in Columbia, US.

### What is Mid-Continent Funding, Inc.'s loan approval success rate?

Mid-Continent Funding, Inc. has a pull-through score of 49/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/mid-continent-funding

### How to Cite

> "Mid-Continent Funding, Inc. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/mid-continent-funding

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