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 score and performance metrics.

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 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, Inc.?

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

Unclaimed

Mid-Continent Funding, Inc.

Independent Mortgage Company•Columbia, US•Direct

We analyzed every closed loan from Mid Continent Funding — 692 loans across 1k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.

Pricing

Sound

vs. all lenders

Pull Through

Sound

closing strength

Products

Strong

FHA · Conventional · VA

Place

Sound

Multi-Region · 15 mkts

Safe Rate Awards⭐VA Superstar

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Report Card

Mid-Continent Funding, Inc. performance at a glance

Category	Score	vs. Peers
Overall Performance· Pricing & closing strength
Pricing Rate competitiveness	Sound	Industry Standard Rates 40.1 bps below market avg
Pull Through Closing strength	Sound	Industry Standard Top 60% of lenders
By Loan Product· Specialization by type
Conventional	Acceptable	Near industry average Bottom 40% of lenders
FHA	Sound	Industry Standard Top 60% of lenders
VA	Strong	Highly Competitive Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase	Strong	Highly Competitive Top 40% of lenders
Refinance	Sound	Industry Standard Top 60% of lenders
By Location· Geographic coverage
Geographic Reach Coverage footprint	Sound	Industry Standard Top 60% of lenders Multi-Regional16 markets

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

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

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

States Served

We count Washington DC as a state

Avg Place Specialization

Sound

States with Loan Originations

ALARCOFLGAILINKSMDMNMOMSMTNCNMOHPASCTNTXVAWAWI

Top Metro Areas by Place Specialization Score

Columbia, MO, MOMSA

Volume: 36Mix: 5.20%of portfolio

Place

Strong

Fayetteville, NC, NCMSA

Volume: 23Mix: 3.32%of portfolio

Place

Sound

Tampa, FL, FLMSA

Volume: 29Mix: 4.19%of portfolio

Place

Sound

Virginia Beach, VA-NCMSA

Volume: 27Mix: 3.90%of portfolio

Place

Sound

Jacksonville, FL, FLMSA

Volume: 23Mix: 3.32%of portfolio

Place

Sound

Jacksonville, NC, NCMSA

Volume: 13Mix: 1.88%of portfolio

Place

Sound

Deltona, FLMSA

Volume: 13Mix: 1.88%of portfolio

Place

Sound

Killeen, TXMSA

Volume: 13Mix: 1.88%of portfolio

Place

Sound

Houston, TXMSA

Volume: 17Mix: 2.46%of portfolio

Place

Sound

Atlanta, GAMSA

Volume: 15Mix: 2.17%of portfolio

Place

Sound

Showing 10 of 15 metro areas

Top States by Place Specialization Score

FLState

Volume: 171Mix: 24.71%of portfolio

Place

Strong

NCState

Volume: 107Mix: 15.46%of portfolio

Place

Strong

VAState

Volume: 59Mix: 8.53%of portfolio

Place

Sound

MOState

Volume: 64Mix: 9.25%of portfolio

Place

Sound

TXState

Volume: 84Mix: 12.14%of portfolio

Place

Sound

GAState

Volume: 44Mix: 6.36%of portfolio

Place

Sound

ALState

Volume: 26Mix: 3.76%of portfolio

Place

Sound

PAState

Volume: 34Mix: 4.91%of portfolio

Place

Sound

ILState

Volume: 14Mix: 2.02%of portfolio

Place

Sound

INState

Volume: 13Mix: 1.88%of portfolio

Place

Sound

Showing 10 of 13 states

How We Rank Lenders

Our rankings use a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.

Our Point System (Max 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

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.