What loan types does The Mortgage Link offer?

The Mortgage Link offers the following mortgage loan types: FHA, Conventional, VA, usda. Each product has its own pricing score and performance metrics.

Where does The Mortgage Link offer mortgages?

The Mortgage Link offers mortgages in 27 states: AL, AR, AZ, CA, CO, DC, DE, FL, GA, IL, IN, KS, LA, MD, MI, MN, NC, NM, OH, OK, PA, SC, TN, TX, VA, WA, WV.

How competitive are The Mortgage Link's mortgage rates?

The Mortgage Link has an overall pricing score of 20.1/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is The Mortgage Link?

The Mortgage Link is a Independent Mortgage Company headquartered in POTOMAC, MD.

Unclaimed

The Mortgage Link

Independent Mortgage Company•Potomac, MDHQ•Direct•Reviews near you on Google

We analyzed every closed loan from The Mortgage Link — 2.2k loans across 3k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Acceptable

2/5

vs. all lenders

Pull-through

Strong

4/5

closing strength

Product

Exceptional

5/5

FHA · Conventional · VA · USDA

Place

Sound

3/5

Near-National · 25 mkts

Awards

FHA

Superstar

Summary

What They Do Well

Strong pull through performance
Particularly strong in Conventional and FHA and VA and USDA loans
Nationwide availability with consistent service

Things to Think About

Rates typically 60 basis points above market average

Explore another lender or local market

Report Card

The Mortgage Link performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Acceptable

+60.3 bps above market avg

Pull Through

Closing strength

Strong

Top 40% of lenders

By Loan Product· Specialization by type

Conventional

Strong

Top 40% of lenders

FHA

Exceptional

Top 20% of lenders

Strong

Top 40% of lenders

USDA

Strong

Top 40% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Strong

Top 40% of lenders

Refinance

Strong

Top 40% of lenders

By Location· Geographic coverage

Geographic Reach

Near-National · 26 markets

Sound

Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Strong	Acceptable	Strong	1,059	49.0%	+0.516%Above	$3,316Fees
FHA Loans	Strong	Exceptional	Acceptable	Strong	914	42.3%	+0.818%Above	$3,440Fees
VA Loans	Sound	Strong	Mediocre	Strong	163	7.5%	-0.001%Below	$3,936Fees
USDA Loans	Strong	Strong	—	Strong	23	1.1%	+0.700%Above	$2,035Fees

Conventional

Overall

Sound

Product

Strong

Pricing

Acceptable

Pull Through

Strong

Volume1,059

Mix49.0%

Spread

+0.516%Above

Fees

$3,316Fees

FHA Loans

Overall

Strong

Product

Exceptional

Pricing

Acceptable

Pull Through

Strong

Volume914

Mix42.3%

Spread

+0.818%Above

Fees

$3,440Fees

VA Loans

Overall

Sound

Product

Strong

Pricing

Mediocre

Pull Through

Strong

Volume163

Mix7.5%

Spread

-0.001%Below

Fees

$3,936Fees

USDA Loans

Overall

Strong

Product

Strong

Pricing—

Pull Through

Strong

Volume23

Mix1.1%

Spread

+0.700%Above

Fees

$2,035Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Strong	Mediocre	Strong	2,006	92.8%	+0.621%Above	$3,489Fees
Refinance	Sound	Strong	Acceptable	Strong	155	7.2%	+0.433%Above	$2,517Fees

Purchase

Overall

Sound

Product

Strong

Pricing

Mediocre

Pull Through

Strong

Volume2,006

Mix92.8%

Spread

+0.621%Above

Fees

$3,489Fees

Refinance

Overall

Sound

Product

Strong

Pricing

Acceptable

Pull Through

Strong

Volume155

Mix7.2%

Spread

+0.433%Above

Fees

$2,517Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

2,161

Applications

2,855

Volume

$623 million

Pricing & Closing

Avg Rate Spread

+0.603%

vs. market APOR

Avg Net Fees

$3,397

Origination − Credits

Pullthrough Rate

75.7%

Applications → Closed

Typical Borrower

Avg Loan Amount

$288,623

Avg Borrower Income

$118,433

Avg Property Value

$334,139

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

Northeast1

Midwest6

ILINKSMIMNOH

South15

ALARDCDEFLGALAMDNCOKSCTNTXVAWV

West5

AZCACONMWA

Top Metro Areas by Place Specialization Score

1© Ken Lund from Reno, Nevada, USA · CC BY-SA 2.0

Detroit, MIMetro

Volume 348Mix 16.10% of portfolio

84/100

Exceptional

2© w_lemay · CC BY-SA 2.0

Tulsa, OKMetro

Volume 349Mix 16.15% of portfolio

83/100

Exceptional

3© Michael Barera · CC BY-SA 4.0

Dallas, TXMetro

Volume 345Mix 15.96% of portfolio

78/100

Strong

4© Preservation Maryland · CC BY-SA 2.0

Frederick, MDMetro

Volume 92Mix 4.26% of portfolio

73/100

Strong

5© Billy Hathorn · CC BY-SA 4.0

Laredo, TXMetro

Volume 43Mix 1.99% of portfolio

72/100

Strong

El Paso, TXMetro

Volume 69Mix 3.19% of portfolio

67/100

Strong

Warren, MIMetro

Volume 115Mix 5.32% of portfolio

66/100

Strong

Fort Worth, TXMetro

Volume 75Mix 3.47% of portfolio

64/100

Strong

Oklahoma City, OKMetro

Volume 66Mix 3.05% of portfolio

63/100

Strong

Amarillo, TXMetro

Volume 54Mix 2.50% of portfolio

63/100

Strong

Showing 10 of 25 metro areas

Top States by Place Specialization Score

OklahomaState

Volume 431Mix 19.94% of portfolio

81/100

Exceptional

TexasState

Volume 763Mix 35.31% of portfolio

78/100

Strong

MichiganState

Volume 507Mix 23.46% of portfolio

77/100

Strong

MarylandState

Volume 180Mix 8.33% of portfolio

69/100

Strong

IllinoisState

Volume 80Mix 3.70% of portfolio

57/100

Sound

ArizonaState

Volume 53Mix 2.45% of portfolio

53/100

Sound

AlabamaState

Volume 17Mix 0.79% of portfolio

43/100

Sound

VirginiaState

Volume 20Mix 0.93% of portfolio

43/100

Sound

FloridaState

Volume 29Mix 1.34% of portfolio

41/100

Sound

PennsylvaniaState

Volume 18Mix 0.83% of portfolio

40/100

Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts

Pricing

Rate and fee competitiveness (33%)

10/ 30 pts

Pull Through

Reliability in closing loans (33%)

10/ 30 pts

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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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.