Applications / Mortgage Analytics / Lenders / Texas / Interlinc Mortgage Services
Houston, TX · Independent non-bank lender · CFPB · 2,426 loans in 2025
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2,426
loans originated, 2025
3,203
applications, 2025
14
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Interlinc Mortgage Services, a Houston non-bank, lends almost only to home buyers and leans on government-backed loans, but its lending shrank again in 2025 while similar lenders grew.
Home purchases made up 94.4% of its loans. Loans insured by the Federal Housing Administration (FHA) were 40.1%, against 22.5% at similar lenders, here independent lenders making between half and twice as many loans. Loans guaranteed by the Department of Agriculture's Rural Housing Service were 2.7%, against 0.4%. Conventional loans were under half its lending, against 68.6% at peers.
Its loans fell 11% to 2,426, while the typical peer grew 9% and the whole market 10%; few similar lenders shrank more. It has made fewer loans each year since 11,150 in 2020. Its share of Houston-Pasadena-The Woodlands slipped from 0.7% to 0.5%. Its typical rate in 2020 was 3.12%, and the end of cheap credit may account for much of the fall; the figures do not show what else lies behind it.
Its best positions are outside Texas. It ranks 16 of 510 lenders in Louisville/Jefferson County and 14 of 538 in non-metro Oklahoma, against 45 of 929 in Houston. It lends in 14 states.
Its typical loan was $285,000, against $315,000 at peers. It turned down 4.2% of home-purchase applications, the same as the typical peer. Its typical rate, 6.62%, matched the peer figure.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Interlinc Mortgage Services took 3,203 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 94.4% · Refinance 5.6%
Conventional 46.9% · FHA 40.1% · VA 10.2% · USDA (RHS or FSA) 2.7% · of 2,426 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Texas | 1,107 | 45.6% |
| Kentucky | 411 | 16.9% |
| Tennessee | 219 | 9.0% |
| Oklahoma | 188 | 7.7% |
| Indiana | 175 | 7.2% |
| Alabama | 173 | 7.1% |
| Georgia | 54 | 2.2% |
| Louisiana | 47 | 1.9% |
| Arkansas | 32 | 1.3% |
| Florida | 12 | 0.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Houston-Pasadena-The Woodlands | 625 |
| Louisville/Jefferson County | 435 |
| Nashville-Davidson--Murfreesboro--Franklin | 187 |
| Dallas-Plano-Irving | 143 |
| Dothan | 113 |
| McAllen-Edinburg-Mission | 96 |
| Austin-Round Rock-San Marcos | 78 |
| Evansville | 60 |
| Columbus | 50 |
| New Orleans-Metairie | 45 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493004OB0KD7VERQW98 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 4437789 | 2013–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7270349391 |
Established 18 May 2009. Reported under HMDA 2011-2025.
Mergers, name changes, data editions and corrections: Interlinc Mortgage Services's data.
Interlinc Mortgage Services's data
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Interlinc Mortgage Services and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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