877-266-4138 info@tlclender.com

Columbia, MO

The Show-Me State


Beautiful Columbia, MO, is one of the best-known cities in all of Missouri. It sits between Kansas City and St Louis and is a significant hub along interstate highway 70. With a population of 123,180, it’s not too big and not too small.

Whether you’re just visiting, planning to move here, or are a long-time resident, you’ll be amazed at what Columbia has to offer. From beautifully manicured public parks to a quaint yet vibrant downtown district as well as an abundance of local events, there’s something for all ages. 

Columbia is home to the highly-ranked University of Missouri (aka Mizzou), which offers both higher education and plenty of excellent job opportunities. Along with local college events, families enjoy the beautiful trail system that runs through the city.

Our Total Lending Concepts office is located downtown at 25 N 9th Street. It’s easy to find, and there’s plenty of street parking.

We provide mortgages for all of the Columbia metro area, the surrounding areas, and the entirety of the state.


Whether you’re purchasing your first home, a second home, your luxury dream home, or even an investment property or rental, the team at Total Lending Concepts, Columbia has the right mortgage for you. 

The median home price is just under $200,000 making Columbia very affordable. Our real estate market is stable and is predicted to continue growing. 


No matter where in MO you’re looking to buy, the team at Total Lending Concepts has the experience in local real estate and home loans you need. 

We’re here for you either in person or over the phone. As a local lender, you’ll be happy to know you can come to our office anytime. Whether you’re purchasing or refinancing, we’re happy to answer all of your questions and find the right mortgage loan for you. 

Ross Kulik is the Vice President of the Missouri market. Although he grew up in St. Louis, he calls Columbia, MO, his home. With over 20 years of mortgage experience, Ross and his friendly team are here to help you. 

The TLC team has an excellent relationship with local realtors and title companies and are known for their excellent service, smooth and stress-free process, and loans that close on time. 


Our office offers every mortgage you could need from purchases to refinances. Whether you’re a first-time home buyer or a savvy investor, we can provide what you need, including:  

  • FHA Loans – often referred to as first-time homebuyer loans. They offer 3.5% payment and more lenient credit guidelines. 
  • VA Loans – offer zero down loans and low rates for veterans. 
  • Conventional Loans – offer excellent rates, and if you put 20% down, you won’t have private mortgage insurance. 
  • Jumbo Loans – If you need a larger loan that exceeds conventional guidelines, we have the perfect jumbo loan for you. 
  • USDA Loans – zero down loans for rural areas. 
  • Construction Loans – want to build your dream home? We can fund it. 
  • Manufactured Homes – We offer loans for manufactured and modular homes.  


County Assessor Websites:                                                 



“We had a great experience with David Kling. He is very responsive and helpful. We remotely work with him without any problem. He explains things clearly and patiently. He understands what he is doing and push hard for us to get the loan before the closing date. Easy to talk with. Everything is good.”

Tim Huan

Columbia, MO

“A huge Thank You to Damon at TLC for making out process easy, painless, and quick. He was able to handle everything in a professional manner and get it done without any headaches.”

Ashlee Pettigrew

Columbia, MO

“If we could give Damon Volkart at Total Lending Concepts 10 stars, we would!!! We loved working with him! He answered all our questions, he was available at any time to help us through the loan process, and he worked extremely hard to gain our trust and loyalty. After working with Damon, and comparing TLC to other lenders, we’re confident that we received the best value, the best customer experience, and the best rate we could. He earned a lifelong client with my family and me!

Megan Fewell

Columbia, MO

“OMG!! Working with total lending concepts was the most pleasant experience ever. We have tried to get a loan before and it was a nightmare! It even made us not want to get a home loan at one point but not with Cynthia Minchew and Total Lending Concepts. It was awesome I very highly recommend using TLC and Cynthia!!”

Matthew Cozad

Columbia, MO

“Mitch from TLC Columbia was friendly from day one. The process of buying a house is intimidating, but he was able to guide the way and was knowledgeable about inquiries I had. If you have a question, these are the people with answers.”

Ryan Seckel

Columbia, MO

“This was the easiest home purchase I have been involved in. Damon was always on top of things and amazing! I recommend him to everyone!”

Blake Crutchfield

Columbia, MO

“Mitch with Total Lending Concepts was very helpful, informative and knowledgeable throughout the loan application process and made everything a very smooth process!
I would highly recommend for anyone looking for a good lender to purchase a home.”

Brandon Woods

Columbia, MO

“Mitch went above and beyond to work with us. Our new home is amazing!”

Maggie Dixon

Columbia, MO

“We worked with Damon here in Columbia. He was great to work with and very prompt with his responses. We highly recommend TLC home loans.”

Gregory Kaplinger

Columbia, MO

“Matt Costanza and David Kling were wonderful to work with buying our first home. They always made themselves available to answer questions and walk us through the process step by step.

Cyrus Meller

Columbia, MO

“I worked with Cynthia and she has been very helpful. As a first time home buyer, she was able to answer all my questions and also help suggest ways to lower my costs! Great experience! Definitely recommend their services”

Melissa Rodriguez

Columbia, MO

“Great Team! Mitch was very nice to work with he made sure everything was streamline and had very good advice. Very experienced, I could call him any time and ask him a question. That guy works hard for you.”

Shelby See

Columbia, MO


Ross Kulik

VP of Missouri Market
NMLS# 559107

Mitch Richards

Senior Loan Officer
NMLS# 1810499

David Kling

Senior Loan Officer
NMLS# 1223549

Brandon Crites

Senior Loan Officer
NMLS# 873136

Damon Volkart

Senior Loan Officer
NMLS# 940821

Mary Magers

Senior Loan Officer
NMLS# 707581

Matt Costanza

Senior Loan Officer
NMLS# 1630644

Shane Burr

Senior Loan Officer
NMLS# 1276858


25 N 9th St.
Columbia, MO 65201