Purchase Originations
2,101
Ranked #214 nationally
Median Total Costs
$14,382
+115.3% vs national ($6,680)
↓ $1,108 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$2,928
Median Lender Credits
$70
Cost Rank (500+ vol.)
#601
among lenders with 500+ originations
Denial Rate
1.1%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| fha | 1,039 | 6.500% | $15,508 | $3,371 |
| conventional | 887 | 6.625% | $12,142 | $2,555 |
| va | 132 | 6.625% | $17,206 | $2,031 |
| usda | 43 | 6.375% | $11,086 | $2,115 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Oklahoma | 619 | 6.250% | $13,327 | #14 |
| Texas | 595 | 6.625% | $16,495 | #103 |
| Michigan | 487 | 6.625% | $12,646 | #40 |
| Maryland | 186 | 6.500% | $22,065 | #68 |
| Illinois | 37 | 6.875% | $13,370 | — |
| Colorado | 34 | 6.750% | $14,689 | — |
| Arizona | 25 | 6.750% | $21,035 | — |
| Pennsylvania | 19 | 6.625% | $16,451 | — |
| Florida | 18 | 6.625% | $18,705 | — |
| Louisiana | 18 | 6.625% | $12,938 | — |
| Virginia | 15 | 6.500% | $17,372 | — |
| Alabama | 13 | 6.875% | $12,994 | — |
| Ohio | 6 | 6.808% | $12,754 | — |
| Washington | 5 | 6.124% | $16,145 | — |
| Indiana | 3 | 6.624% | $17,247 | — |
| North Carolina | 3 | 6.750% | $12,014 | — |
| West Virginia | 3 | 6.125% | $23,235 | — |
| Arkansas | 2 | 6.558% | $13,489 | — |
| Delaware | 2 | 6.058% | $21,974 | — |
| Georgia | 2 | 6.000% | $18,097 | — |
| Kansas | 2 | 6.625% | $7,669 | — |
| Kentucky | 2 | 6.875% | $14,005 | — |
| Tennessee | 2 | 6.375% | $56,357 | — |
| District of Columbia | 1 | 6.250% | $40,809 | — |
| Mississippi | 1 | 7.125% | $22,120 | — |
| Utah | 1 | 6.990% | $6,960 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $12,036 | 6.250% | — | 36 | −$2,346 | |
| 2 | $12,311 | 6.875% | — | 21 | −$2,071 | |
| 3 | $12,404 | 6.625% | — | 299 | −$1,978 | |
| 4 | $12,804 | 6.688% | — | 26 | −$1,578 | |
| 5 | $12,840 | 6.750% | — | 61 | −$1,542 | |
| 6 | $13,121 | 6.125% | — | 32 | −$1,261 | |
| 7 | $13,275 | 6.125% | — | 141 | −$1,107 | |
| 8 | $13,720 | 6.625% | — | 24 | −$662 | |
| 9 | $13,859 | 6.250% | — | 239 | −$523 | |
| 10 | $14,081 | 6.625% | — | 50 | −$301 | |
| 11 | $14,117 | 6.375% | — | 33 | −$265 | |
| 12 | $15,729 | 6.625% | — | 31 | +$1,347 | |
| 13 | $16,034 | 6.625% | — | 47 | +$1,652 | |
| 14 | $16,715 | 6.625% | — | 131 | +$2,333 | |
| 15 | $17,025 | 6.625% | — | 54 | +$2,643 | |
| 16 | $19,097 | 6.750% | — | 32 | +$4,715 | |
| 17 | $19,646 | 6.875% | — | 42 | +$5,264 | |
| 18 | $22,789 | 6.624% | — | 64 | +$8,407 | |
| 19 | $22,838 | 6.500% | — | 37 | +$8,456 | |
| 20 | $25,573 | 6.625% | — | 26 | +$11,191 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | The Mortgage Link, Inc. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $245,000 | $335,000 | −$90,000 (−26.9%) |
| Median total closing costs | $14,382 | $7,127 | +$7,255 (+101.8%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.