Mortgage by CountyWhat home buyers actually paid, county by county

Independent analysis of official mortgage recordsHMDA 2025 · 7,155,718 applications

Lender profile · HMDA 2025

The Mortgage Link, Inc.: 2025 mortgage rates, costs & approvals

How The Mortgage Link, Inc. priced and approved home loans in 2025, measured against every lender in the official HMDA records.

HMDA legal name: THE MORTGAGE LINK, INC. · LEI 549300IJO7NO6VDZPD35

In 2025, The Mortgage Link, Inc. originated 2,301 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 28 states — 248th by volume among the 2,017 lenders profiled here.

On conventional 30-year fixed purchase loans its median rate was 6.625% (all lenders: 6.625%); its median rate spread was 27 basis points above the national median. Median conventional loan costs were $12,150, 118% higher than the national median ($5,570).

It denied 1.3% of completed home-purchase applications (all lenders: 8.5%).

Loans
2,301
of 2,561 applications
Denial rate
1.3%
Purchase · all 8.5%
30-yr fixed rate
6.625%
Conv. · all 6.625%
Loan costs
$12,150
Conv. · all $5,570
Loan amount
$255,000
Purchase · all $335,000
Borrower income
$85,000
Purchase · all $116,000

How The Mortgage Link, Inc. priced home-purchase loans

Purchase loans, 2025The Mortgage Link, Inc.All lenders
30-year fixed rate · conventional6.625%6.625%
30-year fixed rate · FHA6.500%6.250%
30-year fixed rate · VA6.625%6.125%
15-year fixed rate · conventional—5.875%
Rate spread vs. APOR · conventional+0.40 pts+0.13 pts
Total loan costs · conventional$12,150$5,570
Total loan costs · FHA$15,510$11,310
Total loan costs · VA$17,200$6,490
Origination charges (all types)$2,920$1,860
Borrowers paying discount points51.2%51.3%
Points paid, when paid (% of loan)0.95%0.87%
Borrowers receiving lender credits37.7%33.1%

Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.

Loan mix and borrowers

By loan type

Conventional 44.5% 1,023
FHA 46.8% 1,078
VA 6.8% 157
USDA 1.9% 43

By purpose

Home purchase 89.6% 2,061
Refinance 6.9% 159
Cash-out refinance 3.5% 81
Home value
$275,000
Median, purchase loans
Down payment
3.5%
All lenders 10%
Refi rate
6.50%
30-yr fixed, conventional
Refi denial rate
1.1%
Cash-out 3.2%

Why The Mortgage Link, Inc. denied purchase applications

Debt-to-income ratio 26.7% 8
Unverifiable information 20.0% 6
Other 20.0% 6
Credit history 10.0% 3
Collateral (appraisal/property) 10.0% 3
Employment history 6.7% 2
Insufficient cash (down payment/closing costs) 6.7% 2

First reason the lender reported for each denied home-purchase application.

Where The Mortgage Link, Inc. lends

StateLoansApplicationsPurchase denial rate30-yr rate*Loan costs*
Oklahoma6357020.3%6.500%$10,490
Michigan6166591.1%6.750%$11,450
Texas6066811.1%6.750%$13,970
Maryland2162493.8%6.625%$18,620
Illinois37462.2%——
Colorado33350.0%6.875%$10,260
Arizona25307.1%——
Florida2022———
Pennsylvania19254.0%——
Virginia1922———
Louisiana17234.3%——
Alabama1215———
Ohio78———
North Carolina66———
Washington56———
Indiana55———
West Virginia55———
Delaware24———
Georgia23———
Arkansas22———
District of Columbia22———
Kansas22———
Kentucky22———
South Carolina22———
Tennessee22———
Mississippi11———
Utah11———
New Mexico01———

*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open The Mortgage Link, Inc.'s page for that state.

Counties where The Mortgage Link, Inc. is a top lender

Check The Mortgage Link, Inc. yourself

This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.

Lenders of similar size

Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology