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We analyzed every closed loan from The Mortgage Link — 2.2k loans across 3k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.
Pricing
Acceptable
vs. all lenders
Pull Through
Strong
closing strength
Products
Exceptional
FHA · Conventional · VA · USDA
Place
Sound
Near-National · 25 mkts
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Safe Rate's 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, Inc. performance at a glance
| Category | Score | vs. Peers |
|---|---|---|
Overall Performance· Pricing & closing strength | ||
Pricing Rate competitiveness | Near industry average +60.3 bps above market avg | |
Pull Through Closing strength | Highly Competitive Top 40% of lenders | |
By Loan Product· Specialization by type | ||
Conventional | Highly Competitive Top 40% of lenders | |
FHA | Market Leader Top 20% of lenders | |
VA | Highly Competitive Top 40% of lenders | |
USDA | Highly Competitive Top 40% of lenders | |
By Loan Purpose· Transaction purpose mix | ||
Purchase | Highly Competitive Top 40% of lenders | |
Refinance | Highly Competitive Top 40% of lenders | |
By Location· Geographic coverage | ||
Geographic Reach Coverage footprint | Industry Standard Top 60% of lenders Near-National26 markets | |
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 1,059 | 49.0% | +0.516%Above | $3,316Fees | ||||
FHA Loans | 914 | 42.3% | +0.818%Above | $3,440Fees | ||||
VA Loans | 163 | 7.5% | -0.001%Below | $3,936Fees | ||||
USDA Loans | — | 23 | 1.1% | +0.700%Above | $2,035Fees |
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 2,006 | 92.8% | +0.621%Above | $3,489Fees | ||||
Refinance | 155 | 7.2% | +0.433%Above | $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
25
States Served
27
We count Washington DC as a state
Avg Place Specialization
States with Loan Originations
ALARAZCACODCDEFLGAILINKSLAMDMIMNNCNMOHOKPASCTNTXVAWAWV
Top Metro Areas by Place Specialization Score
1
Detroit, MIMSA
Volume: 348Mix: 16.10%of portfolio
Place
Exceptional2
Tulsa, OK, OKMSA
Volume: 349Mix: 16.15%of portfolio
Place
Exceptional3
Dallas, TXMSA
Volume: 345Mix: 15.96%of portfolio
Place
Strong4
Frederick, MDMSA
Volume: 92Mix: 4.26%of portfolio
Place
Strong5
Laredo, TX, TXMSA
Volume: 43Mix: 1.99%of portfolio
Place
Strong6
El Paso, TX, TXMSA
Volume: 69Mix: 3.19%of portfolio
Place
Strong7
Warren, MIMSA
Volume: 115Mix: 5.32%of portfolio
Place
Strong8
Fort Worth, TXMSA
Volume: 75Mix: 3.47%of portfolio
Place
Strong9
Oklahoma City, OK, OKMSA
Volume: 66Mix: 3.05%of portfolio
Place
Strong10
Amarillo, TX, TXMSA
Volume: 54Mix: 2.50%of portfolio
Place
StrongShowing 10 of 25 metro areas
Top States by Place Specialization Score
1
OKState
Volume: 431Mix: 19.94%of portfolio
Place
Exceptional2
TXState
Volume: 763Mix: 35.31%of portfolio
Place
Strong3
MIState
Volume: 507Mix: 23.46%of portfolio
Place
Strong4
MDState
Volume: 180Mix: 8.33%of portfolio
Place
Strong5
ILState
Volume: 80Mix: 3.70%of portfolio
Place
Sound6
AZState
Volume: 53Mix: 2.45%of portfolio
Place
Sound7
ALState
Volume: 17Mix: 0.79%of portfolio
Place
Sound8
VAState
Volume: 20Mix: 0.93%of portfolio
Place
Sound9
FLState
Volume: 29Mix: 1.34%of portfolio
Place
Sound10
PAState
Volume: 18Mix: 0.83%of portfolio
Place
SoundHow 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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The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
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.