Neosho, MO

Serving the Four-State Area


Heather Berner

Branch Manager
NMLS# 2304802

Cassie Shockey

Senior Loan Officer
NMLS# 536614

servicemap 7 orig


The Four State Area or Quad State Area, is the area where the states of Arkansas, Kansas, Missouri, and Oklahoma almost touch: Arkansas and Kansas have no boundary. The Tulsa, Oklahoma; Joplin, Missouri; and Fayetteville-Springdale-Rogers, Arkansas metropolitan areas are located within the region. Notable cities and towns in the area are Tulsa and Miami, Oklahoma; Pittsburg, Kansas; Joplin, Springfield, and Monett, Missouri; and Fayetteville, Springdale, Rogers and Bentonville, Arkansas.

The area is partially located in the Ozarks. Oil and gas production, as well as coal mining were and continue to be a large part of the region’s industry. Today, a major driver of the region’s economy is Walmart, the world’s largest retail company, whose headquarters are in Bentonville. Also headquartered nearby in Northwest Arkansas are Tyson Foods, the world’s largest processor of chicken, beef, and pork (Springdale); and major trucking and transportation company J. B. Hunt (Lowell). The city of Joplin, Missouri is the most centrally located city in the Four States Area.


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, has the right mortgage for you.

No matter where you live in or around Neosho, the Total Lending Concepts Team has the expertise to guide you through your home buying process. We offer a wide array of products ranging from Fixed Rate, VA, USDA, FHA, Conventional, Refinance, Jumbo, and Manufactured Home Lending.

As a Missouri owned company, we know the current market conditions and can navigate the market to find you the best product at the lowest price. Our highly experienced team of mortgage bankers are committed to providing you with the highest quality home loans combined with the lowest mortgage rates available.

At Total Lending Concepts, our ultimate goal is to serve you in the home buying process and create lasting relationship. So whether you are looking to purchase the home of your dreams, lower your monthly payment, or take out cash to improve your current residence, you owe it to yourself to see why so many choose Total Lending Concepts. Call or stop by our office, located at 1110 W. Harmony Suite B in Neosho to discuss which loan is best suited for you.


No matter where 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.

Cassie Shockey is the Total Lending Concepts Branch Manager for our Neosho office. Cassie has been in business in the area for close to a decade and has built a strong reputation for helping people with their housing needs.

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.


125 S. Washington St.
Neosho, MO 64850