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

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

Pull Through

Closing strength

Sound

Top 60% of lenders

By Loan Product· Specialization by type

Conventional

Acceptable

Bottom 40% of lenders

FHA

Sound

Top 60% of lenders

Strong

Top 40% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Strong

Top 40% of lenders

Refinance

Sound

Top 60% of lenders

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 16 markets

Sound

Top 60% of lenders

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

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

6© DXR · CC BY-SA 4.0

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 our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts

Pricing

Rate and fee competitiveness (33%)

10/ 30 pts

Pull Through

Reliability in closing loans (33%)

10/ 30 pts

Product

Specialization in the loan type (33%)

💎

Champion(80%+ = 24-30 points)

⭐

Superstar(60-79% = 18-23 points)

Data Integrity & Updates

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

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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.