Applications / Mortgage Analytics / Lenders / Missouri / Mid-Continent Funding
Columbia, MO · Independent non-bank lender · CFPB · 909 loans in 2025
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909
loans originated, 2025
1,627
applications, 2025
23
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Mid-Continent Funding, of Columbia, Missouri, is a lender to veterans: 92.0% of its 909 loans in 2025 were guaranteed by the Department of Veterans Affairs (VA).
VA loans made up 92.0% of its lending, against 6.3% at the typical similar lender (an independent non-bank lender making between half and twice as many loans). The share has risen from 84.7% in 2020. Conventional loans were just 4.8%, against 67.6% at peers.
Florida, not Missouri, is its main state. It lends in 23 states, 147 metros and 412 counties, and its largest markets are Atlanta, non-metro North Carolina, Miami and Dallas. In none is its share large: in Jacksonville, FL, it holds 0.1%.
Borrowers with low or moderate incomes (LMI) took 40.8% of its loans, against 26.8% at peers, more than at four in five similar lenders. None of its loans was higher-priced (a rate well above the average for similar loans), against 1.7% at the typical peer. Manufactured homes made up 7.5% of its loans.
It made 909 loans, up 1% from 897, while the whole market grew 10%. Its count has held between 809 and 909 since 2023, below the 2,068 of 2021.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Mid-Continent Funding took 1,627 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 72.3% · Refinance 27.7%
VA 92.0% · Conventional 4.8% · FHA 3.2% · of 909 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Florida | 246 | 27.1% |
| North Carolina | 140 | 15.4% |
| Georgia | 109 | 12.0% |
| Texas | 91 | 10.0% |
| Virginia | 54 | 5.9% |
| Missouri | 39 | 4.3% |
| South Carolina | 36 | 4.0% |
| Indiana | 35 | 3.9% |
| Alabama | 29 | 3.2% |
| Pennsylvania | 18 | 2.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Atlanta-Sandy Springs-Roswell | 49 |
| Jacksonville | 29 |
| Virginia Beach-Chesapeake-Norfolk | 23 |
| Charlotte-Concord-Gastonia | 21 |
| San Antonio-New Braunfels | 18 |
| Ocala | 17 |
| Tampa | 17 |
| North Port-Bradenton-Sarasota | 16 |
| Columbia | 15 |
| Deltona-Daytona Beach-Ormond Beach | 14 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300NN0PRX3I4QGG46 | 2018–2025 |
| Respondent ID (the HMDA filer code before 2018) | 7471853960 |
Established 31 July 2014. Reported under HMDA 2017-2025.
Mergers, name changes, data editions and corrections: Mid-Continent Funding's data.
Mid-Continent Funding's data
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Mid-Continent Funding and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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