Shannon Carden

Mortgage Loan Originator

Direct: 719-439-1413



The Total Lending Concepts Team is committed to providing clients with the highest quality home loans combined with some of the lowest mortgage rates available in Colorado, New Mexico, Oklahoma, Missouri and Kansas. Whether you are first time home buyer, purchasing your dream home, refinancing an outstanding loan, or consolidating debt, our highly experienced team of mortgage bankers can help make your dreams come true.

Total Lending Concepts brings 15+ years experience lending within Colorado, New Mexico, Oklahoma, Missouri and Kansas. As a locally owned company, we know the current market conditions and can navigate the market to find you the best product at the lowest price. Additionally as a government approved lender, Total Lending Concepts can offer competitive products such as FHA (Federal Housing Administration), VA (Veterans Administration) and USDA loans.

At Total Lending Concepts, our ultimate goal is to create lasting relationships with each of our clients so that we may continue providing excellent service for many years to come. So regardless if you are looking to purchase your dream home, refinance your current home, or consolidate debt, you owe it to yourself to see why so many have chosen Total Lending Concepts. So give us a call when you need a little “TLC”.

“So I decided to take the leap and see about becoming a homeowner and called Total lending Concepts, I worked with Bobby White and let me tell ya he took any fear I had away. From the initial application to explaining durring the process he was Amazing! I bugged him alot and asked endless questions and Bobby was so kind patient and most of all never made me feel like it was a inconvenience to reply back. I would refer Bobby White and his team to anyone looking to purchase in Colorado Springs.

Renee Trevino

Colorado Springs, CO

“Although we were first time home buyers, Bobby White was patient and explained in detail every part of the home buying process. Great service, and very responsive, no matter the time or day. Bobby was able to even help us secure our home by working with the buying and selling agents. Very happy with the service provided, and would easily recommend to any Colorado Springs new comers, especially military.

Joshua Sandra

Colorado Springs, CO

“Bobby White helped me refinance my home. He was professional throughout the process. He helped make sure all proccesses were as smooth as possible. You’re in safe hands with TLC..

Eileen Davenport

Colorado Springs, CO

“Everyone is extremely professional and always willing to help even though the weekend and after hours. We didn’t plan on buying a house and wasn’t 100% ready but Bobby helped us though everything and made it home buying easy. I would recommend to anyone who is looking to make this stressful time of home purchasing more pleasurable.

Greg Goss

Colorado Springs, CO

“I had a great experience with Bobby White from Total Lending Concepts. I felt that I was made a priority and was cared for throughout the entire process. From understand the differences in loans and figuring out which one was best for me, to collecting all necessary data for my loan, I always felt supported.

Erin Gansz

Colorado Springs, CO

“Bobby White has been my representative helping me through the process of purchasing a home using a VA loan. It has helped to make the move seamless and ease the stress with his technical expertise.

Spencer Preston

Colorado Springs, CO

“Bobby White was our rep. Bobby was very attentive and took the time to help us through the process. Painless and smooth process. Will use these guys again and definitely recommend to others.

Matt Krich

Colorado Springs, CO

“By far the best company for VA loans.

I have nothing but great things to say about this company. Bobby White and the TLC team were very personal and outstanding to work with. As a first time homebuyer, the home buying process was new and intimidating to me. However, Bobby White was there to answer all of my questions along the way. This really put my mind at ease and my first home buying experience was a very positive one.

On top of the outstanding customer service, the interest rate that TLC was able to get me was unbeatable.

If you are looking for a mortgage company in Colorado Springs, I would highly recommend TLC!”

Jerry Smith

Colorado Springs, CO

“We started with a larger mortgage company that was difficult to work with to say the least! When we switched to TLC Bobby put us at ease. He was responsive and is knowledge and friendly, he went above and beyond to always make himself available on the phone and in person. Total Lending Concepts is lucky to have him on their team! I would use them in the future and recommend them to all my friends!”

Crystal Taylor

Colorado Springs, CO

“In the fast and furious housing market of Colorado Springs, Bobby put us at ease. With his knowledge and amiable personality, he went beyond to always make himself available. He was continually more than willing to answer all of our questions. Total Lending Concepts is lucky to have him on their team.”

Craig Ross

Colorado Springs, CO

“Going through my second purchase, and Bobby White has helped me through the process. This experience has been much better and really feel Bobby has been digging for the best options for me all along the way. Im much more confident and comfortable this time than my first purchase where I felt “in the dark,” only being explained minimum details. This purchase was the opposite, Bobby kept up with assuring me and explaining the process. I believe he looked out for my best interest and would definitely recommend TLC and Bobby White.”

Dylan Garcia

Colorado Springs, CO

“I am a first time home buyer but Bobby White made it easy to understand and made sure I knew what to expect throughout the process . He stayed in communication with me every step of the way and always assured me he was there to help if I had any questions.”

Bri Marie

Colorado Springs, CO


Colorado – 100045193
Florida – LO81010
Kansas – 0044075
Missouri – 1058406

5333 N Union Blvd Suite 100
Colorado Springs, CO 80918

Office Phone:

Direct Phone:

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