Mid-Continent Funding, Inc. Mortgage Lending & HMDA Data, 2025

In 2025, Mid-Continent Funding, Inc. of Columbia, MO reported 1,627 mortgage applications totaling $490.0 million, up 10% from 2024. The average application was for $301,189, and applicants reported an average income of $80,687. 56% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Atlanta-Sandy Springs-Roswell, GA (78), Jacksonville, FL (50) and Virginia Beach-Norfolk-Newport News, VA-NC (42) (applications in parentheses).

Mortgage Company & Address Mid-Continent Funding, Inc.
3401 W Broadway Business Park Ct Ste 213
Columbia, MO 65203
Tel #: available with data download
Federal Regulator * available with data download
Years 2025  2024  2023  2022  2021  2020  2019  2018  2017  
Total Number of Mortgage Applications 1,627
Total Mortgage Loan Application Amount $490,035,000
Average Mortgage Loan Application Amount $301,189
Highest Mortgage Loan Application Amount $1,485,000
Average Applicant Income $80,687
Highest Applicant Income $502,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Mid-Continent Funding, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

Mortgage Loan Application Totals for Mid-Continent Funding, Inc. by Metropolitan Area in 2025

Metro Area Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Application Amount Average Applicant Income
Outside any metro area 284 $ 69,600,000 $ 245,070 $ 69,989
Atlanta-Sandy Springs-Roswell, GA 78 $ 25,860,000 $ 331,538 $ 93,000
Jacksonville, FL 50 $ 15,310,000 $ 306,200 $ 82,000
Virginia Beach-Norfolk-Newport News, VA-NC 42 $ 13,140,000 $ 312,857 $ 86,857
Tampa, FL 40 $ 10,650,000 $ 266,250 $ 75,000
Charlotte-Concord-Gastonia, NC-SC 35 $ 10,905,000 $ 311,571 $ 92,600
Orlando-Kissimmee-Sanford, FL 32 $ 13,260,000 $ 414,375 $ 109,000
Deltona-Daytona Beach-Ormond Beach, FL 30 $ 9,690,000 $ 323,000 $ 83,000
San Antonio-New Braunfels, TX 30 $ 9,030,000 $ 301,000 $ 72,000
Houston-The Woodlands-Sugar Land, TX 29 $ 9,695,000 $ 334,310 $ 88,000
Palm Bay-Melbourne-Titusville, FL 29 $ 9,475,000 $ 326,724 $ 74,000
North Port-Sarasota-Bradenton, FL 28 $ 8,690,000 $ 310,357 $ 68,000
Ocala, FL 28 $ 7,060,000 $ 252,142 $ 69,000
Columbia, MO 26 $ 6,010,000 $ 231,153 $ 106,000
Lakeland-Winter Haven, FL 24 $ 6,580,000 $ 274,166 $ 59,000
Fayetteville, NC 21 $ 4,455,000 $ 212,142 $ 58,000
Marietta, GA 21 $ 8,515,000 $ 405,476 $ 106,000
Pensacola-Ferry Pass-Brent, FL 21 $ 5,245,000 $ 249,761 $ 76,000
Fort Lauderdale-Pompano Beach-Deerfield Beach, FL 20 $ 6,110,000 $ 305,500 $ 77,000
Arlington-Alexandria-Reston, VA-WV 19 $ 9,845,000 $ 518,157 $ 135,000
Greensboro-High Point, NC 19 $ 4,525,000 $ 238,157 $ 45,000
Dallas-Plano-Irving, TX 18 $ 7,050,000 $ 391,666 $ 82,000
Cape Coral-Fort Myers, FL 17 $ 7,005,000 $ 412,058 $ 85,000
Fort Worth-Arlington, TX 15 $ 6,055,000 $ 403,666 $ 121,000
Indianapolis-Carmel-Anderson, IN 14 $ 3,250,000 $ 232,142 $ 53,000
Jacksonville, NC 14 $ 3,030,000 $ 216,428 $ 37,000
Miami-Miami Beach-Kendall, FL 14 $ 5,660,000 $ 404,285 $ 101,000
St. Petersburg-Clearwater-Largo, FL 14 $ 4,830,000 $ 345,000 $ 84,000
Tallahassee, FL 14 $ 4,510,000 $ 322,142 $ 103,000
Columbia, SC 13 $ 3,495,000 $ 268,846 $ 73,000
Raleigh, NC 13 $ 5,585,000 $ 429,615 $ 83,000
Winston-Salem, NC 13 $ 3,415,000 $ 262,692 $ 77,000
Augusta-Richmond County, GA-SC 12 $ 3,020,000 $ 251,666 $ 82,000
Austin-Round Rock, TX 12 $ 4,270,000 $ 355,833 $ 96,000
Crestview-Fort Walton Beach-Destin, FL 12 $ 3,640,000 $ 303,333 $ 82,000
Pittsburgh, PA 12 $ 2,830,000 $ 235,833 $ 74,000
Port St. Lucie, FL 12 $ 3,370,000 $ 280,833 $ 84,000
Richmond, VA 12 $ 4,130,000 $ 344,166 $ 89,000
Panama City, FL 11 $ 3,325,000 $ 302,272 $ 110,000
St. Louis, MO-IL 11 $ 2,475,000 $ 225,000 $ 48,090
Wilmington, NC 11 $ 3,185,000 $ 289,545 $ 63,000
Charleston-North Charleston, SC 10 $ 3,310,000 $ 331,000 $ 45,000
Killeen-Temple, TX 10 $ 3,620,000 $ 362,000 $ 52,000
Birmingham-Hoover, AL 9 $ 2,695,000 $ 299,444 $ 52,000
Goldsboro, NC 9 $ 2,555,000 $ 283,888 $ 59,000
Minneapolis-St. Paul-Bloomington, MN-WI 9 $ 2,855,000 $ 317,222 $ 127,000
Montgomery, AL 9 $ 2,175,000 $ 241,666 $ 111,000
Punta Gorda, FL 9 $ 2,255,000 $ 250,555 $ 52,000
Chicago-Naperville, IL 8 $ 3,200,000 $ 400,000 $ 85,000
Columbus, GA-AL 8 $ 2,200,000 $ 275,000 $ 85,500
Durham-Chapel Hill, NC 8 $ 2,050,000 $ 256,250 $ 61,000
Gainesville, FL 8 $ 2,310,000 $ 288,750 $ 80,000
Greenville-Anderson-Mauldin, SC 8 $ 1,980,000 $ 247,500 $ 56,000
Homosassa Springs, FL 8 $ 1,480,000 $ 185,000 $ 76,000
West Palm Beach-Boca Raton-Delray Beach, FL 8 $ 3,720,000 $ 465,000 $ 145,000
Brownsville-Harlingen, TX 7 $ 1,745,000 $ 249,285 $ 78,000
Denver-Aurora-Lakewood, CO 7 $ 3,815,000 $ 545,000 $ 105,000
Gulfport-Biloxi-Pascagoula, MS 7 $ 3,415,000 $ 487,857 $ 211,000
Hickory-Lenoir-Morganton, NC 7 $ 2,065,000 $ 295,000 $ 75,000
Nashville-Davidson--Murfreesboro--Franklin, TN 7 $ 2,945,000 $ 420,714 $ 119,000
Sebastian-Vero Beach, FL 7 $ 1,495,000 $ 213,571 $ 82,000
Spartanburg, SC 7 $ 2,615,000 $ 373,571 $ 93,000
Valdosta, GA 7 $ 1,485,000 $ 212,142 $ 47,000
Clarksville, TN-KY 6 $ 3,050,000 $ 508,333 $ 47,000
Jefferson City, MO 6 $ 1,560,000 $ 260,000 $ 131,000
Kansas City, MO-KS 6 $ 1,580,000 $ 263,333 $ 54,000
Lake County-Porter County-Jasper County, IN 6 $ 1,470,000 $ 245,000 $ 82,000
Little Rock-North Little Rock-Conway, AR 6 $ 1,060,000 $ 176,666 $ 53,000
Macon-Bibb County, GA 6 $ 1,440,000 $ 240,000 $ 69,000
Memphis, TN-MS-AR 6 $ 1,390,000 $ 231,666 $ 70,166
Myrtle Beach-Conway-North Myrtle Beach, SC-NC 6 $ 1,710,000 $ 285,000 $ 103,000
Rocky Mount, NC 6 $ 1,400,000 $ 233,333 $ 70,000
Springfield, MO 6 $ 1,100,000 $ 183,333 $ 61,000
Beaumont-Port Arthur, TX 5 $ 1,205,000 $ 241,000 $ 98,000
Colorado Springs, CO 5 $ 2,025,000 $ 405,000 $ 97,000
Harrisburg-Carlisle, PA 5 $ 1,525,000 $ 305,000 $ 105,000
Huntsville, AL 5 $ 1,285,000 $ 257,000 $ 25,000
Rome, GA 5 $ 1,165,000 $ 233,000 $ 57,000
Seattle-Bellevue-Everett, WA 5 $ 3,265,000 $ 653,000 $ 119,000
Warner Robins, GA 5 $ 1,525,000 $ 305,000 $ 113,000
Wildwood-The Villages, FL 5 $ 1,395,000 $ 279,000 $ 98,000
Asheville, NC 4 $ 1,420,000 $ 355,000 $ 68,000
Auburn-Opelika, AL 4 $ 1,020,000 $ 255,000 $ 70,000
Cleveland, OH 4 $ 1,700,000 $ 425,000 $ 101,000
Corpus Christi, TX 4 $ 1,470,000 $ 367,500 $ 119,000
Fort Wayne, IN 4 $ 720,000 $ 180,000 $ 65,000
Hilton Head Island-Bluffton-Beaufort, SC 4 $ 1,850,000 $ 462,500 $ 127,000
Pinehurst-Southern Pines, NC 4 $ 1,730,000 $ 432,500 $ 33,000
Savannah, GA 4 $ 870,000 $ 217,500 $ 82,000
Washington, DC-MD 4 $ 1,990,000 $ 497,500 $ 82,000
Albuquerque, NM 3 $ 1,225,000 $ 408,333 $ 134,000
Athens-Clarke County, GA 3 $ 905,000 $ 301,666 $ 84,000
Baltimore-Columbia-Towson, MD 3 $ 1,525,000 $ 508,333 $ 34,000
College Station-Bryan, TX 3 $ 985,000 $ 328,333 $ 69,000
Columbus, IN 3 $ 665,000 $ 221,666 $ 77,000
Columbus, OH 3 $ 875,000 $ 291,666 $ 71,000
Daphne-Fairhope-Foley, AL 3 $ 1,155,000 $ 385,000 $ 134,000
Florence-Muscle Shoals, AL 3 $ 665,000 $ 221,666 $ 40,000
Gainesville, GA 3 $ 1,085,000 $ 361,666 $ 66,000
Hanford-Corcoran, CA 3 $ 2,135,000 $ 711,666 $ 253,000
Hinesville, GA 3 $ 885,000 $ 295,000 $ 90,000
Hot Springs, AR 3 $ 515,000 $ 171,666 $ 44,000
Kokomo, IN 3 $ 435,000 $ 145,000 $ 102,000
Louisville/Jefferson County, KY-IN 3 $ 685,000 $ 228,333 $ 47,000
Portland-Vancouver-Hillsboro, OR-WA 3 $ 1,835,000 $ 611,666 $ 214,000
Roanoke, VA 3 $ 725,000 $ 241,666 $ 87,000
Sebring, FL 3 $ 755,000 $ 251,666 $ 46,000
South Bend-Mishawaka, IN-MI 3 $ 795,000 $ 265,000 $ 94,000
Tacoma-Lakewood, WA 3 $ 1,515,000 $ 505,000 $ 59,000
Terre Haute, IN 3 $ 375,000 $ 125,000 $ 83,000
Waco, TX 3 $ 1,195,000 $ 398,333 $ 122,000
Albany, GA 2 $ 540,000 $ 270,000 $ 62,000
Burlington, NC 2 $ 420,000 $ 210,000 $ 63,000
Cincinnati, OH-KY-IN 2 $ 400,000 $ 200,000 $ 84,000
Dalton, GA 2 $ 310,000 $ 155,000 $ 24,000
Eau Claire, WI 2 $ 550,000 $ 275,000 $ 0
El Paso, TX 2 $ 610,000 $ 305,000 $ 86,000
Elkhart-Goshen, IN 2 $ 360,000 $ 180,000 $ 69,000
Fayetteville-Springdale-Rogers, AR-MO 2 $ 710,000 $ 355,000 $ 140,000
Joplin, MO 2 $ 540,000 $ 270,000 $ 62,000
Kingsport-Bristol-Bristol, TN-VA 2 $ 510,000 $ 255,000 $ 37,000
Knoxville, TN 2 $ 770,000 $ 385,000 $ 71,000
Lake County-Kenosha County, IL-WI 2 $ 1,010,000 $ 505,000 $ 120,000
Lexington Park, MD 2 $ 730,000 $ 365,000 $ 92,000
Longview, TX 2 $ 560,000 $ 280,000 $ 106,000
Longview, WA 2 $ 840,000 $ 420,000 $ 116,000
Naples-Immokalee-Marco Island, FL 2 $ 510,000 $ 255,000 $ 73,000
Pueblo, CO 2 $ 1,060,000 $ 530,000 $ 77,000
Texarkana, TX-AR 2 $ 370,000 $ 185,000 $ 20,000
Toledo, OH 2 $ 240,000 $ 120,000 $ 51,000
Tyler, TX 2 $ 490,000 $ 245,000 $ 78,000
Wichita Falls, TX 2 $ 330,000 $ 165,000 $ 91,000
York-Hanover, PA 2 $ 620,000 $ 310,000 $ 120,000
Youngstown-Warren-Boardman, OH-PA 2 $ 260,000 $ 130,000 $ 35,000
Bremerton-Silverdale, WA 1 $ 555,000 $ 555,000 $ 113,000
Canton-Massillon, OH 1 $ 205,000 $ 205,000 $ 0
Charlottesville, VA 1 $ 405,000 $ 405,000 $ 285,000
Chattanooga, TN-GA 1 $ 485,000 $ 485,000 $ 0
Dayton-Springfield-Kettering, OH 1 $ 105,000 $ 105,000 $ 177,000
Decatur, AL 1 $ 375,000 $ 375,000 $ 101,000
Dothan, AL 1 $ 145,000 $ 145,000 $ 45,000
Elgin, IL 1 $ 395,000 $ 395,000 $ 167,000
Evansville, IN-KY 1 $ 265,000 $ 265,000 $ 52,000
Florence, SC 1 $ 225,000 $ 225,000 $ 65,000
Fort Smith, AR-OK 1 $ 235,000 $ 235,000 $ 45,000
Gadsden, AL 1 $ 205,000 $ 205,000 $ 108,000
Greenville, NC 1 $ 365,000 $ 365,000 $ 131,000
Johnstown, PA 1 $ 165,000 $ 165,000 $ 83,000
Lafayette-West Lafayette, IN 1 $ 285,000 $ 285,000 $ 68,000
Lancaster, PA 1 $ 355,000 $ 355,000 $ 112,000
Las Cruces, NM 1 $ 125,000 $ 125,000 $ 37,000
Lubbock, TX 1 $ 195,000 $ 195,000 $ 108,000
Lynchburg, VA 1 $ 515,000 $ 515,000 $ 0
Manhattan, KS 1 $ 415,000 $ 415,000 $ 0
Mankato-North Mankato, MN 1 $ 475,000 $ 475,000 $ 109,000
Mansfield, OH 1 $ 265,000 $ 265,000 $ 50,000
McAllen-Edinburg-Mission, TX 1 $ 135,000 $ 135,000 $ 56,000
Midland, TX 1 $ 415,000 $ 415,000 $ 122,000
Milwaukee-Waukesha-West Allis, WI 1 $ 165,000 $ 165,000 $ 44,000
Montgomery County-Bucks County-Chester County, PA 1 $ 415,000 $ 415,000 $ 0
Muncie, IN 1 $ 125,000 $ 125,000 $ 57,000
Olympia-Tumwater, WA 1 $ 315,000 $ 315,000 $ 0
Paducah, KY-IL 1 $ 175,000 $ 175,000 $ 48,000
Philadelphia, PA 1 $ 385,000 $ 385,000 $ 111,000
Sheboygan, WI 1 $ 315,000 $ 315,000 $ 119,000
Staunton-Waynesboro, VA 1 $ 375,000 $ 375,000 $ 0
Sumter, SC 1 $ 265,000 $ 265,000 $ 75,000
Wheeling, WV-OH 1 $ 375,000 $ 375,000 $ 130,000
Wichita, KS 1 $ 455,000 $ 455,000 $ 166,000

Mortgage Loan Application Detail Totals for Mid-Continent Funding, Inc. in 2025

Loan Purpose

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Home Purchase 960 $292,450,000 $304,000 $1,295,000 $96,000 $459,000
Cash-out Refinancing 416 $109,650,000 $263,000 $1,485,000 $88,000 $502,000
Refinancing 251 $87,935,000 $350,000 $1,095,000 $10,000 $449,000
Home Improvement 0 $0 $0 $0 $0 $0
Not Applicable 0 $0 $0 $0 $0 $0
Other Purpose 0 $0 $0 $0 $0 $0

Applicant Race

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Not Provided 653 $204,515,000 $313,000 $1,295,000 $79,000 $459,000
White 647 $182,705,000 $282,000 $1,485,000 $80,000 $502,000
Black or African American 233 $72,495,000 $311,000 $895,000 $86,000 $393,000
Hispanic 70 $21,870,000 $312,000 $825,000 $83,000 $353,000
Asian 13 $5,725,000 $440,000 $775,000 $113,000 $229,000
American Indian or Alaskan Native 10 $2,670,000 $267,000 $555,000 $62,000 $131,000
Native Hawaiian or Other Pacific Islander 1 $55,000 $55,000 $55,000 $53,000 $53,000
Not applicable 0 $0 $0 $0 $0 $0

Loan Type

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
VA-guaranteed (Veterans Administration) 1,465 $457,385,000 $312,000 $1,485,000 $80,000 $502,000
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 100 $18,420,000 $184,000 $805,000 $98,000 $449,000
FHA-insured (Federal Housing Administration) 62 $14,230,000 $229,000 $635,000 $77,000 $167,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 0 $0 $0 $0 $0 $0

Outcome

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Loan Originated 909 $273,005,000 $300,000 $1,485,000 $85,000 $502,000
Application Withdrawn By Applicant 343 $106,365,000 $310,000 $1,295,000 $90,000 $449,000
Application Approved But Not Accepted 186 $56,640,000 $304,000 $825,000 $57,000 $441,000
Application Denied By Financial Institution 107 $26,305,000 $245,000 $895,000 $74,000 $316,000
File Closed For Incompleteness 82 $27,720,000 $338,000 $1,105,000 $58,000 $253,000
Loan Purchased By The Institution 0 $0 $0 $0 $0 $0
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0
Preapproval Denied by Financial Institution 0 $0 $0 $0 $0 $0

Denial Reason

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Not applicable 1,520 $463,730,000 $305,000 $1,485,000 $81,000 $502,000
Collateral 42 $9,740,000 $231,000 $895,000 $88,000 $316,000
Credit Application Incomplete 19 $3,695,000 $194,000 $405,000 $73,000 $167,000
Credit History 18 $5,040,000 $280,000 $825,000 $47,000 $107,000
Debt-To-Income Ratio 17 $4,915,000 $289,000 $565,000 $70,000 $152,000
Insufficient Cash (Downpayment, Closing Cost) 6 $1,650,000 $275,000 $645,000 $70,000 $126,000
Unverifiable Information 3 $445,000 $148,000 $255,000 $58,000 $60,000
Mortgage Insurance Denied 1 $475,000 $475,000 $475,000 $118,000 $118,000
Employment History 1 $345,000 $345,000 $345,000 $68,000 $68,000
Other 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Mid-Continent Funding, Inc.'s 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.

This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics, and assess Mid-Continent Funding, Inc.'s mortgage approval patterns. Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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