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


“This was our first house we purchased, and being new to the lending game we had lots of questions! Cynthia Minchew walked us through everything and helped make sure we were taken care of from start to finish! I have heard about many complications when purchasing a house, and she helped make it so much easier. Not to mention, she is trustworthy and wouldn’t steer you wrong! We felt so comfortable working with her and knew that she had our best interest at heart. I would highly recommend Cynthia and her company!”

Kaylin Bean

Columbia, MO

“I have been working with Cynthia Minchew in order to obtain a loan for our first home. She has been very helpful and quick to respond to any questions I may have during this process. I would definitely recommend Cynthia and Total Lending Concepts!”

Catherine Goenner

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

“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


Missouri – 5946
Tennessee – 202263

219 E Broadway
Columbia, MO 65203

Office Phone:

Direct Phone:

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