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THE MORTGAGE LINK, INC.
Independent Mortgage Company|POTOMAC, MD|Near-National
Loans Originated
2,161
Applications
2,855
Volume
$623 million
Offers loans directly to consumers
Overall Pricing
Acceptable
Overall Pull Through
Strong
Pricing and Pullthrough Overview
Average Rate Spread
+0.603%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$3,397
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
75.7%
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
- Nationwide availability with consistent service
Things to Think About
- Rates typically 60 basis points above market average
Report Card
THE MORTGAGE LINK, INC. 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 | |
USDA | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Sound | Near-National · 26 metro areas · 27 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$288,623
Average Borrower Income
$118,433
Average Property Value
$334,139
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% | $3,316 |
FHA Loans | Sound | Exceptional | Acceptable | Strong | 914 | 42.3% | +0.818% | $3,440 |
VA Loans | Sound | Strong | Mediocre | Strong | 163 | 7.5% | -0.001% | $3,936 |
USDA Loans | Strong | Strong | N/A | Strong | 23 | 1.1% | +0.700% | $2,035 |
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% | $3,489 |
Refinance | Sound | Strong | Acceptable | Strong | 155 | 7.2% | +0.433% | $2,517 |
Geographic Coverage
Metro Areas
25
States Served
27
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
ALARAZCACODCDEFLGAILINKSLAMDMIMNNCNMOHOKPASCTNTXVAWAWV
Top Metro Areas by Place Specialization Score
1
Detroit, MIMSA
Volume: 348Mix: 16.10%
Place Specialization
Exceptional
2
Tulsa, OK, OKMSA
Volume: 349Mix: 16.15%
Place Specialization
Exceptional
3
Dallas, TXMSA
Volume: 345Mix: 15.96%
Place Specialization
Strong
4
Frederick, MDMSA
Volume: 92Mix: 4.26%
Place Specialization
Strong
5
Laredo, TX, TXMSA
Volume: 43Mix: 1.99%
Place Specialization
Strong
6
El Paso, TX, TXMSA
Volume: 69Mix: 3.19%
Place Specialization
Strong
7
Warren, MIMSA
Volume: 115Mix: 5.32%
Place Specialization
Strong
8
Fort Worth, TXMSA
Volume: 75Mix: 3.47%
Place Specialization
Strong
9
Oklahoma City, OK, OKMSA
Volume: 66Mix: 3.05%
Place Specialization
Strong
10
Amarillo, TX, TXMSA
Volume: 54Mix: 2.50%
Place Specialization
Strong
Showing 10 of 25 metro areas
Top States by Place Specialization Score
1
OKState
Volume: 431Mix: 19.94%
Place Specialization
Exceptional
2
TXState
Volume: 763Mix: 35.31%
Place Specialization
Strong
3
MIState
Volume: 507Mix: 23.46%
Place Specialization
Strong
4
MDState
Volume: 180Mix: 8.33%
Place Specialization
Strong
5
ILState
Volume: 80Mix: 3.70%
Place Specialization
Sound
6
AZState
Volume: 53Mix: 2.45%
Place Specialization
Sound
7
ALState
Volume: 17Mix: 0.79%
Place Specialization
Sound
8
VAState
Volume: 20Mix: 0.93%
Place Specialization
Sound
9
FLState
Volume: 29Mix: 1.34%
Place Specialization
Sound
10
PAState
Volume: 18Mix: 0.83%
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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