The Mortgage Link, Inc. Mortgage Lending & HMDA Data, 2025
In 2025, The Mortgage Link, Inc. of Rockville, MD reported 3,250 mortgage applications totaling $942.7 million, up 5% from 2024. The average application was for $290,055, and applicants reported an average income of $109,715. 76% of its applications resulted in an originated loan and 1% were denied. Its largest markets were Tulsa, OK (648), Detroit-Dearborn-Livonia, MI (477) and Dallas-Plano-Irving, TX (390) (applications in parentheses).
| Mortgage Company & Address | The Mortgage Link, Inc. 3 Research Pl #100 Rockville, MD 20850 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2014 |
| Total Number of Mortgage Applications | 3,250 |
| Total Mortgage Loan Application Amount | $942,680,000 |
| Average Mortgage Loan Application Amount | $290,055 |
| Highest Mortgage Loan Application Amount | $4,505,000 |
| Average Applicant Income | $109,715 |
| Highest Applicant Income | $2,240,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records The Mortgage Link, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Tulsa, OK | 648 | $ 159,390,000 | $ 245,972 | $ 90,000 |
| Detroit-Dearborn-Livonia, MI | 477 | $ 95,395,000 | $ 199,989 | $ 85,000 |
| Dallas-Plano-Irving, TX | 390 | $ 142,100,000 | $ 364,358 | $ 137,000 |
| Outside any metro area | 246 | $ 62,550,000 | $ 254,268 | $ 111,873 |
| Warren-Troy-Farmington Hills, MI | 208 | $ 60,360,000 | $ 290,192 | $ 119,000 |
| Washington-Baltimore-Arlington, DC | 166 | $ 72,410,000 | $ 436,204 | $ 129,000 |
| Oklahoma City, OK | 136 | $ 34,700,000 | $ 255,147 | $ 103,000 |
| Fort Worth-Arlington, TX | 108 | $ 35,560,000 | $ 329,259 | $ 147,000 |
| Baltimore-Columbia-Towson, MD | 75 | $ 32,085,000 | $ 427,800 | $ 123,000 |
| Washington, DC-MD | 60 | $ 26,640,000 | $ 444,000 | $ 124,000 |
| Midland, TX | 55 | $ 18,195,000 | $ 330,818 | $ 106,000 |
| Amarillo, TX | 53 | $ 11,635,000 | $ 219,528 | $ 86,000 |
| Monroe, MI | 40 | $ 10,340,000 | $ 258,500 | $ 75,000 |
| Odessa, TX | 39 | $ 10,695,000 | $ 274,230 | $ 164,000 |
| Phoenix-Mesa-Scottsdale, AZ | 37 | $ 13,345,000 | $ 360,675 | $ 89,000 |
| Austin-Round Rock, TX | 36 | $ 15,940,000 | $ 442,777 | $ 181,000 |
| El Paso, TX | 33 | $ 8,515,000 | $ 258,030 | $ 128,000 |
| Chicago-Naperville, IL | 32 | $ 8,310,000 | $ 259,687 | $ 99,000 |
| Lubbock, TX | 30 | $ 6,420,000 | $ 214,000 | $ 138,000 |
| Houston-The Woodlands-Sugar Land, TX | 29 | $ 8,035,000 | $ 277,068 | $ 100,000 |
| Elgin, IL | 25 | $ 6,465,000 | $ 258,600 | $ 94,000 |
| San Angelo, TX | 21 | $ 5,605,000 | $ 266,904 | $ 106,000 |
| Laredo, TX | 20 | $ 4,840,000 | $ 242,000 | $ 94,000 |
| Gettysburg, PA | 19 | $ 5,435,000 | $ 286,052 | $ 94,000 |
| Arlington-Alexandria-Reston, VA-WV | 18 | $ 8,100,000 | $ 450,000 | $ 141,111 |
| Hagerstown-Martinsburg, MD-WV | 18 | $ 5,390,000 | $ 299,444 | $ 82,555 |
| Jacksonville, FL | 15 | $ 3,425,000 | $ 228,333 | $ 63,000 |
| Lansing-East Lansing, MI | 12 | $ 2,250,000 | $ 187,500 | $ 78,000 |
| San Antonio-New Braunfels, TX | 11 | $ 3,625,000 | $ 329,545 | $ 142,000 |
| Lafayette, LA | 10 | $ 2,290,000 | $ 229,000 | $ 99,000 |
| Ann Arbor, MI | 8 | $ 2,180,000 | $ 272,500 | $ 119,000 |
| Sherman-Denison, TX | 8 | $ 2,480,000 | $ 310,000 | $ 103,000 |
| Florence-Muscle Shoals, AL | 7 | $ 1,435,000 | $ 205,000 | $ 111,000 |
| Pensacola-Ferry Pass-Brent, FL | 7 | $ 2,065,000 | $ 295,000 | $ 95,000 |
| Grand Rapids-Wyoming, MI | 6 | $ 1,740,000 | $ 290,000 | $ 112,000 |
| Huntsville, AL | 6 | $ 1,450,000 | $ 241,666 | $ 88,000 |
| Flint, MI | 5 | $ 1,075,000 | $ 215,000 | $ 84,000 |
| Jackson, MI | 5 | $ 775,000 | $ 155,000 | $ 51,000 |
| New Orleans-Metairie, LA | 5 | $ 1,275,000 | $ 255,000 | $ 143,000 |
| Sierra Vista-Douglas, AZ | 5 | $ 1,705,000 | $ 341,000 | $ 99,000 |
| Traverse City, MI | 5 | $ 1,885,000 | $ 377,000 | $ 220,000 |
| York-Hanover, PA | 5 | $ 1,535,000 | $ 307,000 | $ 96,000 |
| Seattle-Bellevue-Everett, WA | 4 | $ 2,880,000 | $ 720,000 | $ 202,000 |
| Toledo, OH | 4 | $ 630,000 | $ 157,500 | $ 59,000 |
| Baton Rouge, LA | 3 | $ 875,000 | $ 291,666 | $ 93,000 |
| Cape Coral-Fort Myers, FL | 3 | $ 735,000 | $ 245,000 | $ 213,000 |
| Chambersburg-Waynesboro, PA | 3 | $ 1,025,000 | $ 341,666 | $ 95,000 |
| Charlotte-Concord-Gastonia, NC-SC | 3 | $ 2,205,000 | $ 735,000 | $ 369,000 |
| Columbus, OH | 3 | $ 1,255,000 | $ 418,333 | $ 290,000 |
| Harrisburg-Carlisle, PA | 3 | $ 905,000 | $ 301,666 | $ 139,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 3 | $ 1,445,000 | $ 481,666 | $ 133,000 |
| Birmingham-Hoover, AL | 2 | $ 400,000 | $ 200,000 | $ 81,000 |
| Chattanooga, TN-GA | 2 | $ 810,000 | $ 405,000 | $ 89,000 |
| Cincinnati, OH-KY-IN | 2 | $ 510,000 | $ 255,000 | $ 109,000 |
| Decatur, AL | 2 | $ 320,000 | $ 160,000 | $ 83,000 |
| Dover, DE | 2 | $ 750,000 | $ 375,000 | $ 93,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 2 | $ 430,000 | $ 215,000 | $ 103,000 |
| Grand Junction, CO | 2 | $ 610,000 | $ 305,000 | $ 41,000 |
| Kalamazoo-Portage, MI | 2 | $ 440,000 | $ 220,000 | $ 118,000 |
| Killeen-Temple, TX | 2 | $ 610,000 | $ 305,000 | $ 70,000 |
| Lawton, OK | 2 | $ 240,000 | $ 120,000 | $ 84,000 |
| Lexington Park, MD | 2 | $ 950,000 | $ 475,000 | $ 44,000 |
| Longview, TX | 2 | $ 600,000 | $ 300,000 | $ 101,000 |
| Lynchburg, VA | 2 | $ 600,000 | $ 300,000 | $ 130,000 |
| Miami-Miami Beach-Kendall, FL | 2 | $ 1,130,000 | $ 565,000 | $ 195,000 |
| North Port-Sarasota-Bradenton, FL | 2 | $ 5,010,000 | $ 2,505,000 | $ 802,000 |
| Richmond, VA | 2 | $ 570,000 | $ 285,000 | $ 43,000 |
| Roanoke, VA | 2 | $ 1,000,000 | $ 500,000 | $ 169,000 |
| South Bend-Mishawaka, IN-MI | 2 | $ 650,000 | $ 325,000 | $ 77,000 |
| Tampa, FL | 2 | $ 390,000 | $ 195,000 | $ 108,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 2 | $ 450,000 | $ 225,000 | $ 68,000 |
| Wilmington, NC | 2 | $ 310,000 | $ 155,000 | $ 54,000 |
| Yakima, WA | 2 | $ 510,000 | $ 255,000 | $ 89,000 |
| Atlanta-Sandy Springs-Roswell, GA | 1 | $ 525,000 | $ 525,000 | $ 201,000 |
| Bay City, MI | 1 | $ 105,000 | $ 105,000 | $ 37,000 |
| Bloomington, IN | 1 | $ 455,000 | $ 455,000 | $ 133,000 |
| Brownsville-Harlingen, TX | 1 | $ 355,000 | $ 355,000 | $ 77,000 |
| Cleveland, OH | 1 | $ 105,000 | $ 105,000 | $ 39,000 |
| College Station-Bryan, TX | 1 | $ 245,000 | $ 245,000 | $ 400,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 395,000 | $ 395,000 | $ 408,000 |
| Denver-Aurora-Lakewood, CO | 1 | $ 635,000 | $ 635,000 | $ 115,000 |
| Enid, OK | 1 | $ 155,000 | $ 155,000 | $ 50,000 |
| Florence, SC | 1 | $ 355,000 | $ 355,000 | $ 100,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 225,000 | $ 225,000 | $ 60,000 |
| Gainesville, GA | 1 | $ 385,000 | $ 385,000 | $ 83,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 1 | $ 285,000 | $ 285,000 | $ 96,000 |
| Jackson, MS | 1 | $ 465,000 | $ 465,000 | $ 146,000 |
| Jacksonville, NC | 1 | $ 345,000 | $ 345,000 | $ 0 |
| Kankakee, IL | 1 | $ 145,000 | $ 145,000 | $ 55,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Lake Charles, LA | 1 | $ 75,000 | $ 75,000 | $ 77,000 |
| Lake County-Porter County-Jasper County, IN | 1 | $ 235,000 | $ 235,000 | $ 98,000 |
| Lakeland-Winter Haven, FL | 1 | $ 265,000 | $ 265,000 | $ 103,000 |
| Las Cruces, NM | 1 | $ 195,000 | $ 195,000 | $ 61,000 |
| Lexington-Fayette, KY | 1 | $ 225,000 | $ 225,000 | $ 228,000 |
| Louisville/Jefferson County, KY-IN | 1 | $ 595,000 | $ 595,000 | $ 169,000 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 555,000 | $ 555,000 | $ 700,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 2,135,000 | $ 2,135,000 | $ 565,000 |
| Panama City, FL | 1 | $ 65,000 | $ 65,000 | $ 74,000 |
| Port St. Lucie, FL | 1 | $ 355,000 | $ 355,000 | $ 145,000 |
| Provo-Orem, UT | 1 | $ 475,000 | $ 475,000 | $ 436,000 |
| Rockford, IL | 1 | $ 225,000 | $ 225,000 | $ 92,000 |
| Saginaw, MI | 1 | $ 145,000 | $ 145,000 | $ 94,000 |
| Salisbury, MD-DE | 1 | $ 225,000 | $ 225,000 | $ 107,000 |
| Salt Lake City, UT | 1 | $ 245,000 | $ 245,000 | $ 108,000 |
| Slidell-Mandeville-Covington, LA | 1 | $ 605,000 | $ 605,000 | $ 177,000 |
| St. Petersburg-Clearwater-Largo, FL | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Tacoma-Lakewood, WA | 1 | $ 555,000 | $ 555,000 | $ 94,000 |
| Texarkana, TX-AR | 1 | $ 195,000 | $ 195,000 | $ 69,000 |
| Tyler, TX | 1 | $ 475,000 | $ 475,000 | $ 170,000 |
| Wichita, KS | 1 | $ 155,000 | $ 155,000 | $ 120,000 |
Mortgage Loan Application Detail Totals for The Mortgage Link, Inc. in 2025
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 2,831 | $807,105,000 | $285,000 | $4,505,000 | $108,000 | $2,240,000 |
| Refinancing | 249 | $82,825,000 | $332,000 | $1,235,000 | $119,000 | $700,000 |
| Cash-out Refinancing | 158 | $49,290,000 | $311,000 | $3,205,000 | $128,000 | $1,605,000 |
| Home Improvement | 12 | $3,460,000 | $288,000 | $705,000 | $81,000 | $201,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 1,541 | $448,035,000 | $290,000 | $3,205,000 | $121,000 | $1,605,000 |
| Hispanic | 1,196 | $353,040,000 | $295,000 | $4,505,000 | $99,000 | $2,240,000 |
| Black or African American | 345 | $91,695,000 | $265,000 | $1,065,000 | $97,000 | $570,000 |
| American Indian or Alaskan Native | 83 | $21,035,000 | $253,000 | $775,000 | $103,000 | $327,000 |
| Asian | 67 | $23,755,000 | $354,000 | $985,000 | $137,000 | $503,000 |
| Not Provided | 12 | $3,570,000 | $297,000 | $525,000 | $73,000 | $125,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $1,230,000 | $307,000 | $425,000 | $112,000 | $131,000 |
| Not applicable | 2 | $320,000 | $160,000 | $195,000 | $58,000 | $75,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,556 | $478,050,000 | $307,000 | $4,505,000 | $130,000 | $2,240,000 |
| FHA-insured (Federal Housing Administration) | 1,433 | $382,735,000 | $267,000 | $1,005,000 | $90,000 | $459,000 |
| VA-guaranteed (Veterans Administration) | 204 | $70,220,000 | $344,000 | $1,055,000 | $102,000 | $359,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 57 | $11,675,000 | $204,000 | $405,000 | $79,000 | $119,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 2,460 | $697,040,000 | $283,000 | $2,505,000 | $109,000 | $2,240,000 |
| Application Withdrawn By Applicant | 500 | $162,140,000 | $324,000 | $3,205,000 | $113,000 | $724,000 |
| Application Approved But Not Accepted | 246 | $68,140,000 | $276,000 | $1,575,000 | $113,000 | $1,348,000 |
| Application Denied By Financial Institution | 40 | $14,360,000 | $359,000 | $4,505,000 | $80,000 | $188,000 |
| File Closed For Incompleteness | 4 | $1,000,000 | $250,000 | $475,000 | $62,000 | $83,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 3,210 | $928,320,000 | $289,000 | $3,205,000 | $110,000 | $2,240,000 |
| Debt-To-Income Ratio | 14 | $3,640,000 | $260,000 | $495,000 | $70,000 | $117,000 |
| Other | 7 | $1,625,000 | $232,000 | $445,000 | $94,000 | $188,000 |
| Unverifiable Information | 6 | $5,840,000 | $973,000 | $4,505,000 | $113,000 | $188,000 |
| Credit History | 5 | $1,465,000 | $293,000 | $375,000 | $73,000 | $109,000 |
| Collateral | 4 | $950,000 | $237,000 | $435,000 | $56,000 | $110,000 |
| Employment History | 2 | $530,000 | $265,000 | $305,000 | $86,000 | $125,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $310,000 | $155,000 | $205,000 | $55,000 | $73,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The Mortgage Link, Inc.'s 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess The Mortgage Link, Inc.'s mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Maryland, download the full spreadsheet
with aggregated HMDA statistics today.
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