# THE MORTGAGE LINK, INC.

> **Canonical URL:** https://saferate.com/lenders/the-mortgage-link

> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible

THE MORTGAGE LINK, INC. is a independent mortgage company, headquartered in POTOMAC, MD, serving borrowers across 27 states, with 2,161 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 80% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 21% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300IJO7NO6VDZPD35
- **Headquarters:** POTOMAC, MD
- **Geographic Reach:** Near-National
- **States Served:** 27
- **State List:** 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
- **Markets (MSAs):** 26
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 20/100
- Rating: ●●○○○ (2/5)

### Pull Through: Strong 😀
- Score: 79/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.603%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,397
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 2,161
- **Dollar Volume:** $624 million
- **Applications Received:** 2,855
- **Market Share:** 6.00%

## Typical Borrower Profile

- **Average Loan Amount:** $288,623
- **Average Borrower Income:** $118,433

## Safe Rate Awards 🏆

- ⭐ **FHA Gold Superstar** (62%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 69/100 | 1,059 | +0.516% | $3,316 | Strong 😀 |
| FHA | 82/100 | 914 | +0.818% | $3,440 | Exceptional 🤩 |
| VA | 76/100 | 163 | -0.001% | $3,936 | Strong 😀 |
| USDA | 76/100 | 23 | +0.700% | $2,035 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 940 loans, Score: 70/100 (Strong)
- Refinance: 119 loans, Score: 61/100 (Strong)

**FHA:**
- Purchase: 879 loans, Score: 82/100 (Exceptional)
- Refinance: 35 loans, Score: 72/100 (Strong)

**VA:**
- Purchase: 162 loans, Score: 76/100 (Strong)

**USDA:**
- Purchase: 23 loans, Score: 76/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 76/100 | 2,006 | $582M | +0.621% | Strong 😀 |
| Refinance | 61/100 | 155 | $42M | +0.433% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 763 | 0.22% | 78/100 |
| MI | 507 | 0.45% | 77/100 |
| OK | 431 | 1.04% | 81/100 |
| MD | 180 | 0.26% | 69/100 |
| IL | 80 | 0.06% | 57/100 |
| AZ | 53 | 0.05% | 53/100 |
| FL | 29 | 0.01% | 41/100 |
| VA | 20 | 0.02% | 43/100 |
| PA | 18 | 0.01% | 40/100 |
| AL | 17 | 0.03% | 43/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Tulsa, OK | OK | 349 | 83/100 |
| Detroit | MI | 348 | 84/100 |
| Dallas | TX | 345 | 78/100 |
| Warren | MI | 115 | 66/100 |
| Non |  | 111 | 49/100 |
| Frederick | MD | 92 | 73/100 |
| Fort Worth | TX | 75 | 64/100 |
| El Paso, TX | TX | 69 | 67/100 |
| Oklahoma City, OK | OK | 66 | 63/100 |
| Amarillo, TX | TX | 54 | 63/100 |
| Phoenix | AZ | 49 | 53/100 |
| Washington, DC | DC-MD | 44 | 59/100 |
| Laredo, TX | TX | 43 | 72/100 |
| Chicago | IL | 36 | 50/100 |
| Elgin, IL | IL | 36 | 59/100 |

## Frequently Asked Questions

### What loan types does THE MORTGAGE LINK, INC. offer?

THE MORTGAGE LINK, INC. offers the following mortgage loan types: FHA, Conventional, VA, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does THE MORTGAGE LINK, INC. offer mortgages?

THE MORTGAGE LINK, INC. 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, INC.'s mortgage rates?

THE MORTGAGE LINK, INC. has a pricing score of 20/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.603% above market average.

### What type of lender is THE MORTGAGE LINK, INC.?

THE MORTGAGE LINK, INC. is a non-depository lender that specializes in mortgage origination, headquartered in POTOMAC, MD.

### What is THE MORTGAGE LINK, INC.'s loan approval success rate?

THE MORTGAGE LINK, INC. has a pull-through score of 79/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-05-29
**Canonical URL:** https://saferate.com/lenders/the-mortgage-link

### How to Cite

> "THE MORTGAGE LINK, INC. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/the-mortgage-link

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