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INTERLINC MORTGAGE SERVICES, LLC
Independent Mortgage Company|HOUSTON, TX|Multi-Region
Loans Originated
2,480
Applications
3,440
Volume
$747 million
Offers loans directly to consumers
Overall Pricing
Acceptable
Overall Pull Through
Strong
Safe Rate Awards⭐FHA Superstar⭐VA Superstar⭐USDA Superstar⭐Purchase Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.320%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$2,400
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
72.1%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and USDA loans
Things to Think About
- Pricing may be below industry average
Report Card
INTERLINC MORTGAGE SERVICES, LLC performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Acceptable | Near industry average | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Exceptional | Market Leader | |
VA | Strong | Highly Competitive | |
Jumbo | Sound | Industry Standard | |
USDA | Exceptional | Market Leader | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Exceptional | Market Leader | |
Refinance | Sound | Industry Standard | |
Places Geographic coverage | Strong | Multi-Regional · 19 metro areas · 16 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$301,282
Average Borrower Income
$120,916
Average Property Value
$346,177
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Strong | Acceptable | Strong | 1,085 | 43.8% | +0.551% | $2,808 |
FHA Loans | Strong | Exceptional | Strong | Strong | 1,098 | 44.3% | +0.167% | $1,964 |
VA Loans | Strong | Strong | Exceptional | Strong | 206 | 8.3% | -0.733% | $1,427 |
Jumbo Loans | Sound | Sound | N/A | N/A | 11 | 0.4% | +0.857% | $4,477 |
USDA Loans | Strong | Exceptional | Sound | Strong | 80 | 3.2% | +0.681% | $967 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Exceptional | Sound | Strong | 2,377 | 95.8% | +0.292% | $2,296 |
Refinance | Acceptable | Sound | Mediocre | Sound | 103 | 4.2% | +0.636% | $3,580 |
Geographic Coverage
Metro Areas
18
States Served
16
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
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Top Metro Areas by Place Specialization Score
1
Dothan, AL, ALMSA
Volume: 116Mix: 4.68%
Place Specialization
Exceptional
2
Houston, TXMSA
Volume: 843Mix: 33.99%
Place Specialization
Exceptional
3
Louisville/Jefferson County, KY, KY-INMSA
Volume: 355Mix: 14.31%
Place Specialization
Exceptional
4
Nashville, TNMSA
Volume: 175Mix: 7.06%
Place Specialization
Strong
5
McAllen, TXMSA
Volume: 83Mix: 3.35%
Place Specialization
Strong
6
Dallas, TXMSA
Volume: 119Mix: 4.80%
Place Specialization
Strong
7
Austin, TXMSA
Volume: 80Mix: 3.23%
Place Specialization
Strong
8
Charleston, SCMSA
Volume: 39Mix: 1.57%
Place Specialization
Sound
9
New Orleans, LAMSA
Volume: 29Mix: 1.17%
Place Specialization
Sound
10
Evansville, IN, INMSA
Volume: 28Mix: 1.13%
Place Specialization
Sound
Showing 10 of 18 metro areas
Top States by Place Specialization Score
1
TXState
Volume: 1,267Mix: 51.09%
Place Specialization
Exceptional
2
KYState
Volume: 328Mix: 13.23%
Place Specialization
Strong
3
ALState
Volume: 161Mix: 6.49%
Place Specialization
Strong
4
OKState
Volume: 183Mix: 7.38%
Place Specialization
Strong
5
TNState
Volume: 197Mix: 7.94%
Place Specialization
Strong
6
INState
Volume: 147Mix: 5.93%
Place Specialization
Strong
7
SCState
Volume: 98Mix: 3.95%
Place Specialization
Strong
8
LAState
Volume: 33Mix: 1.33%
Place Specialization
Sound
9
GAState
Volume: 25Mix: 1.01%
Place Specialization
Sound
10
ARState
Volume: 17Mix: 0.69%
Place Specialization
Sound
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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