What loan types does Mid-Continent Funding offer?

Mid-Continent Funding offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing score and performance metrics.

Where does Mid-Continent Funding offer mortgages?

Mid-Continent Funding 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's mortgage rates?

Mid-Continent Funding has an overall pricing score of 46.4/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Mid-Continent Funding?

Mid-Continent Funding is a Independent Mortgage Company headquartered in Columbia, US.

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Mid-Continent Funding

Independent Mortgage Company•Columbia, USHQ•Direct•Reviews near you on Google

We analyzed every closed loan from Mid-Continent Funding — 692 loans across 1k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Sound

3/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Strong

4/5

FHA · Conventional · VA

Place

Sound

3/5

Multi-Region · 15 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Superstar

Explore another lender or local market

Report Card

Mid-Continent Funding performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Sound

Rates 40.1 bps below market avg

3/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

54 loans · 0.18% above market

Acceptable

Bottom 40% of lenders

2/5

FHA

29 loans · 0.55% above market

Sound

Top 60% of lenders

3/5

607 loans · 0.47% below market

Strong

Top 40% of lenders

4/5

By Loan Purpose· Transaction purpose mix

Purchase

504 loans · 0.25% below market

Strong

Top 40% of lenders

4/5

Refinance

188 loans · 0.60% below market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 16 markets

Sound

Top 60% of lenders

3/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Acceptable	Acceptable	Sound	Acceptable	54	7.8%	+0.180%Above	$3,183Fees
FHA Loans	Sound	Sound	Acceptable	Sound	29	4.2%	+0.545%Above	$3,640Fees
VA Loans	Strong	Strong	Sound	Sound	607	87.7%	-0.472%Below	$2,826Fees

Conventional

Overall

Acceptable

Product

Acceptable

Pricing

Sound

Pull Through

Acceptable

Volume54

Mix7.8%

Spread

+0.180%Above

Fees

$3,183Fees

FHA Loans

Overall

Sound

Product

Sound

Pricing

Acceptable

Pull Through

Sound

Volume29

Mix4.2%

Spread

+0.545%Above

Fees

$3,640Fees

VA Loans

Overall

Strong

Product

Strong

Pricing

Sound

Pull Through

Sound

Volume607

Mix87.7%

Spread

-0.472%Below

Fees

$2,826Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Strong	Acceptable	Sound	504	72.8%	-0.253%Below	$3,001Fees
Refinance	Sound	Sound	Strong	Acceptable	188	27.2%	-0.603%Below	$2,698Fees

Purchase

Overall

Sound

Product

Strong

Pricing

Acceptable

Pull Through

Sound

Volume504

Mix72.8%

Spread

-0.253%Below

Fees

$3,001Fees

Refinance

Overall

Sound

Product

Sound

Pricing

Strong

Pull Through

Acceptable

Volume188

Mix27.2%

Spread

-0.603%Below

Fees

$2,698Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

692

Applications

1,153

Volume

$210 million

Pricing & Closing

Avg Rate Spread

-0.401%

vs. market APOR

Avg Net Fees

$2,873

Origination − Credits

Pullthrough Rate

60.0%

Applications → Closed

Typical Borrower

Avg Loan Amount

$303,902

Avg Borrower Income

$96,275

Avg Property Value

$340,419

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

23Full-year 2024 · HMDA

Loans originated

< 1010–5050+None

Northeast1

Midwest7

ILINKSMNMOOHWI

South11

ALARFLGAMDMSNCSCTNTXVA

West4

COMTNMWA

Top Metro Areas by Place Specialization Score

1© Thomas Kirchel · CC BY-SA 4.0

Columbia, MOMetro

Volume 36Mix 5.20% of portfolio

64/100

Strong

2© Brandonrush · CC BY-SA 3.0

Fayetteville, NCMetro

Volume 23Mix 3.32% of portfolio

56/100

Sound

3© Interface Multimedia, Inc. · CC BY-SA 4.0

Tampa, FLMetro

Volume 29Mix 4.19% of portfolio

53/100

Sound

4© Greyfiveys · CC BY-SA 4.0

Virginia Beach, VA-NCMetro

Volume 27Mix 3.90% of portfolio

53/100

Sound

5© DXR · CC BY-SA 4.0

Jacksonville, FLMetro

Volume 23Mix 3.32% of portfolio

51/100

Sound

Jacksonville, NCMetro

Volume 13Mix 1.88% of portfolio

48/100

Sound

Deltona, FLMetro

Volume 13Mix 1.88% of portfolio

46/100

Sound

Killeen, TXMetro

Volume 13Mix 1.88% of portfolio

46/100

Sound

Houston, TXMetro

Volume 17Mix 2.46% of portfolio

44/100

Sound

Atlanta, GAMetro

Volume 15Mix 2.17% of portfolio

43/100

Sound

Showing 10 of 15 metro areas

Top States by Place Specialization Score

FloridaState

Volume 171Mix 24.71% of portfolio

64/100

Strong

North CarolinaState

Volume 107Mix 15.46% of portfolio

62/100

Strong

VirginiaState

Volume 59Mix 8.53% of portfolio

58/100

Sound

MissouriState

Volume 64Mix 9.25% of portfolio

58/100

Sound

TexasState

Volume 84Mix 12.14% of portfolio

56/100

Sound

GeorgiaState

Volume 44Mix 6.36% of portfolio

53/100

Sound

AlabamaState

Volume 26Mix 3.76% of portfolio

50/100

Sound

PennsylvaniaState

Volume 34Mix 4.91% of portfolio

50/100

Sound

IllinoisState

Volume 14Mix 2.02% of portfolio

41/100

Sound

IndianaState

Volume 13Mix 1.88% of portfolio

40/100

Sound

Showing 10 of 13 states

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps: Pricing, Product, Pull-Through, Place, and Promptness. Promptness measures how quickly a lender answers real shopper quote requests; a lender with none measured yet is counted at an estimate.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary Safe Rate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

Looking for a different lender?

The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.