877-266-4138 info@tlclender.com

Cynthia Minchew

Senior Loan Officer

Office: 573-303-3844

Cell: 573-881-9780

NMLS# 275545


Cynthia has been a resident of Columbia, MO since 1994, prior to that living in Houston TX. She married Randy Minchew in 1980 and raised four kids, and 2 nieces. They have been blessed with five grandchildren.

Cynthia has financially supported and volunteered in the recovery and addiction field for more than 35 years. She currently serves on the board of Adult & Teen Challenge Men’s Center in Neosho MO and Primrose Hill in Clark, MO. which is a home for women and children. Adult & Teen Challenge is a faith-based drug and alcohol treatment center.

With nearly 40 years of experience in the mortgage business she is well-versed in every level of the loan process. She has worked extensively in underwriting, processing and closing departments.

Credentials include:
– FHA designation 1991
– VA SAR since 2013
– Licensed Loan Officer since 2009

Work History:
Total Lending Concepts
Senior Loan Officer

Sun West Mortgage Company
Senior Underwriter

Flat Branch Mortgage Inc.
Senior Underwriter, Closing & Shipping

Bank of America

Crossland Mortgage 
Loan Officer

Swift Origination Services
Broker and Mortgage Lending Training


“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

“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


25 N 9th St.
Columbia, MO 65201

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