Applications / Mortgage Analytics / Lenders / Maryland / The Mortgage Link
Rockville, MD · Independent non-bank lender · CFPB · 2,460 loans in 2025
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2,460
loans originated, 2025
3,250
applications, 2025
28
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Mortgage Link has turned from a conventional lender into one that makes nearly half its loans with Federal Housing Administration insurance, and it now makes more than four times as many loans as in 2020.
Five years ago 96.3% of its loans were conventional. In 2025 the figure was 46.8%, while loans insured by the Federal Housing Administration (FHA) rose from 3.7% to 45.0%. Similar lenders, meaning independent non-bank lenders making between half and twice as many loans, made 22.7% of theirs with FHA insurance. Purchases were 89.0% of its loans.
Low- and moderate-income (LMI) borrowers took 40.0% of its loans, against 28.3% at peers, a higher share than at about nine in ten. Its typical loan, $245,000, is lower than at most peers. Both fit a lender built around FHA loans to home buyers.
It denied 1.3% of home-purchase applications, against 4.3% at peers, lower than at more than nine in ten. On refinances the rate was 1.8%, against 5.9%.
It made 2,460 loans, up from 570 in 2020, though its 6% growth in 2025 trailed the market's 10%. Its loans now reach 28 states, and Oklahoma is its main state. In Tulsa, which it entered in 2023, it ranks 10 of 476 and its share rose from 1.9% to 2.2%. In 2025 it entered Louisville, Provo and Jackson, Mississippi.
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, 2020–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. The Mortgage Link took 3,250 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 89.0% · Refinance 10.8% · Home improvement 0.2%
Conventional 46.8% · FHA 45.0% · VA 6.5% · USDA (RHS or FSA) 1.7% · of 2,460 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 |
|---|---|---|
| Oklahoma | 667 | 27.1% |
| Texas | 660 | 26.8% |
| Michigan | 649 | 26.4% |
| Maryland | 231 | 9.4% |
| Colorado | 39 | 1.6% |
| Illinois | 38 | 1.5% |
| Arizona | 26 | 1.1% |
| Florida | 25 | 1.0% |
| Pennsylvania | 19 | 0.8% |
| Virginia | 19 | 0.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Tulsa | 513 |
| Detroit-Dearborn-Livonia | 391 |
| Dallas-Plano-Irving | 283 |
| Warren-Troy-Farmington Hills | 180 |
| Frederick-Gaithersburg-Bethesda | 123 |
| Oklahoma City | 95 |
| Fort Worth-Arlington-Grapevine | 77 |
| Baltimore-Columbia-Towson | 51 |
| Midland | 49 |
| Washington | 40 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300IJO7NO6VDZPD35 | 2020–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 4877938 | 2022–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7522350821 | 2014–2014 |
Established 28 November 2001. Reported under HMDA 2014-2025.
Mergers, name changes, data editions and corrections: The Mortgage Link's data.
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