Interlinc Mortgage Services
We analyzed every closed loan from Interlinc Mortgage Services — 2.5k loans across 3k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · Jumbo · USDA
Place
Strong
4/5
Multi-Region · 18 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
FHA
Superstar
VA
Superstar
USDA
Superstar
Purchase
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and USDA loans
Things to Think About
- Pricing may be below industry average
Explore another lender or local market
Report Card
Interlinc Mortgage Services performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+32.0 bps above market avg
2/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
1,085 loans · 0.55% above market
Strong
Top 40% of lenders
4/5
FHA
1,098 loans · 0.17% above market
Exceptional
Top 20% of lenders
5/5
VA
206 loans · 0.73% below market
Strong
Top 40% of lenders
4/5
Jumbo
11 loans · 0.86% above market
Sound
Top 60% of lenders
3/5
USDA
80 loans · 0.68% above market
Exceptional
Top 20% of lenders
5/5
By Loan Purpose· Transaction purpose mix
Purchase
2,377 loans · 0.29% above market
Exceptional
Top 20% of lenders
5/5
Refinance
103 loans · 0.64% above market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 19 markets
Strong
Top 40% of lenders
4/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 1,085 | 43.8% | +0.551%Above | $2,808Fees | ||||
FHA Loans | 1,098 | 44.3% | +0.167%Above | $1,964Fees | ||||
VA Loans | 206 | 8.3% | -0.733%Below | $1,427Fees | ||||
Jumbo Loans | — | — | 11 | 0.4% | +0.857%Above | $4,477Fees | ||
USDA Loans | 80 | 3.2% | +0.681%Above | $967Fees |
Conventional
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume1,085
Mix43.8%
Spread
+0.551%Above
Fees
$2,808Fees
FHA Loans
OverallStrong
ProductExceptional
PricingStrong
Pull ThroughStrong
Volume1,098
Mix44.3%
Spread
+0.167%Above
Fees
$1,964Fees
VA Loans
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughStrong
Volume206
Mix8.3%
Spread
-0.733%Below
Fees
$1,427Fees
Jumbo Loans
OverallSound
ProductSound
Pricing—
Pull Through—
Volume11
Mix0.4%
Spread
+0.857%Above
Fees
$4,477Fees
USDA Loans
OverallStrong
ProductExceptional
PricingSound
Pull ThroughStrong
Volume80
Mix3.2%
Spread
+0.681%Above
Fees
$967Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 2,377 | 95.8% | +0.292%Above | $2,296Fees | ||||
Refinance | 103 | 4.2% | +0.636%Above | $3,580Fees |
Purchase
OverallStrong
ProductExceptional
PricingSound
Pull ThroughStrong
Volume2,377
Mix95.8%
Spread
+0.292%Above
Fees
$2,296Fees
Refinance
OverallSound
ProductSound
PricingMediocre
Pull ThroughSound
Volume103
Mix4.2%
Spread
+0.636%Above
Fees
$3,580Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
2,480
Applications
3,440
Volume
$747 million
Pricing & Closing
Avg Rate Spread
+0.320%
vs. market APOR
Avg Net Fees
$2,400
Origination − Credits
Pullthrough Rate
72.1%
Applications → Closed
Typical Borrower
Avg Loan Amount
$301,282
Avg Borrower Income
$120,916
Avg Property Value
$346,177
Geographic Coverage
Geographic Performance
Metro Areas
18
markets with activity
States Served
16
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
16Full-year 2024 · HMDALoans originated
< 2020–100100–200200+None
Midwest3
INMNWI
South12
ALARFLGAKYLAMSNCOKSCTNTX
West1
AZ
Top Metro Areas by Place Specialization Score
Showing 10 of 18 metro areas
Top States by Place Specialization Score
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.