Mitch Richards

Branch Manager

Office: 573-303-3844

Cell: ‭573-777-2306

NMLS# 1810499



Mitch Richards grew up in Montana and moved to Missouri in 2008. With a background in teaching, customer service, and sales, Mitch brings a customer-focused approach to mortgage lending. With a firm belief that home ownership should be available to all, Mitch prides himself on always being available to the borrower throughout the loan process. He also speaks Spanish at a professional level. Mitch has a three year old son Shane and in his free time enjoys fishing, doing yoga, and reading.

“Mitch is amazing. He is very helpful when answering question no matter how silly. He will do everything he can to get you the house you are looking for. I would use him again.”

Miranda Lilienkamp

Columbia, MO

“Worked with Mitch. Very happy with the service. Mitch always answered my questions in a timely manner and made sure I understood everything. I will definitely be using them in the future. Thanks for all your help Mitch!”

Aaron Miller

Columbia, MO

“Mitch made this process so painless and jelly me well informed along the way. They worked with me when i didn’t think i stood a chance. The processor was diligent and kind. So excited to move into my new home !!”

Lauren Allen

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

“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 Richards is a wonderful loan officer that we were very lucky to have met. He was quick to answer any questions we had and made the loan process much easier for my husband and I. 10/10 would recommend!”

Alexis Chisholm

Columbia, MO

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

Maggie Dixon

Columbia, MO

“Mitch was always available for questions and concerns. Very timely process and a much better rate than I had previously.”

Christy Weisel

Columbia, MO

“Fast, professional service, very hard workers here. Highly recommend Mitch and his associates.”

Steve Brookins

Columbia, MO

“Damon made the whole process very smooth, and was a delight to work with. Highly recommend the company!”

Danny Osborne

Columbia, MO

“Great company! Very helpful, patient, and great at keeping a cool head in times of pressure. They always treat clients with respect and guidance. It is clear they are passionate about what they do and truly care for the well being of their clients. Our experience with Mitch Richards was a successful one and he is certainly a perfect representation of what this company has to offer. Great representative and ambassador for Total Lending Concepts!”

Aya Bellaoui

Columbia, MO

“My wife and I are most of the way through the home-buying process, and Mitch Richards of Total Lending Concepts has been great to work with. He’s made everything as smooth as possible through his availability and his patience in answering our questions. He’s kept us in the loop at every step with frequent updates on the status of our loan application. It also doesn’t hurt that he got us excellent rates! We’re very satisfied customers.”

Mark Tucker

Columbia, MO

“Great Team and 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


Arkansas – 117327
Missouri – 22228-MLO

323 West Reed Street
Moberly, MO 65270

Office Phone:

Direct Phone:

Moberly MO