The Mortgage Link, Inc. NMLS #113054
At a glance
- HeadquartersRockville, MD
- Size2,460 home loans closed in 2025
- Loan typesConventional, FHA and VA
- Licensed in34 states
- Formed in2001
What it closes
Share of its 2025 home loans: 47% Conventional, 45% FHA, 6% VA and 2% Other types.
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Who is The Mortgage Link, Inc.?
The Mortgage Link, Inc. (NMLS #113054) is a lender listed in the NMLS registry. FreeRateUpdate publishes this review alongside current mortgage rates, a rate finder, and mortgage calculators.
Is The Mortgage Link, Inc. legit?
Here's what public licensing records show. The Mortgage Link, Inc. holds mortgage licenses in 34 states, including Arizona, Arkansas, California, Colorado, Connecticut (NMLS ID #113054, per NMLS records as of October 1, 2026). FreeRateUpdate publishes a Score built from public data and our own records. It does not endorse or vouch for any lender. You can confirm any lender's license yourself at nmlsconsumeraccess.org.
Key Facts
- Lender or brokerThe Mortgage Link, Inc.
- NMLS #113054
- Verified by FreeRateUpdateCompany name and NMLS ID, checked against NMLS on
- In the FreeRateUpdate network since
- Profile updated
- Biography reviewed byPaige Sutton, NMLS #1888684 ()
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About The Mortgage Link, Inc.
Overview
The Mortgage Link, Inc. is a mortgage lender. The company describes its borrower support as combining professional guidance, digital tools, and personalized support, with education on the mortgage process for home buyers.
Mortgage options
The Mortgage Link, Inc. works with home purchase loans and refinance loans, including cash-out refinancing. Its loan types include VA and Non-QM loans, and its home buyer resources cover down payment assistance.
Locations
The company has 35 branches in Alabama, Arizona, Connecticut, Florida, Illinois, Louisiana, Maryland, Michigan, Missouri, Ohio, Oklahoma, Pennsylvania, Tennessee, Texas, and Washington.
Company details and licensing
The Mortgage Link, Inc. is a corporation formed in Maryland, United States, on November 28, 2001. Its headquarters is at 3 Research Place, Suite 103, Rockville, Maryland 20850. Trade names include First Class Lenders, The Mortgage Link, and Mortgage Link. The company's NMLS ID is 113054.
The Mortgage Link, Inc. is licensed in Alabama, Arkansas, Arizona, California, Colorado, Connecticut, District of Columbia, Delaware, Florida, Georgia, Idaho, Illinois, Indiana, Kansas, Kentucky, Louisiana, Maryland, Michigan, Minnesota, Missouri, Mississippi, North Carolina, North Dakota, New Hampshire, New Jersey, New Mexico, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Utah, Virginia, Washington, Wisconsin, and West Virginia.
Verify NMLS #113054 on NMLS Consumer Access
Sources
Sources last checked . These are the outside records this profile was written from. FreeRateUpdate is not affiliated with them, and they have not reviewed, endorsed, or approved FreeRateUpdate or this page.
Formation date and trade names come from NMLS registry records. FreeRateUpdate is not affiliated with NMLS, and NMLS has not reviewed, endorsed, or approved FreeRateUpdate or this page.
Additional information
Reported application outcomes and pricing, 2025
- Filed asTHE MORTGAGE LINK, INC.
- 2025 home loan decisionsOf 2,746 applications decided by THE MORTGAGE LINK, INC. in 2025, 2,460 were originated, 246 were approved but not accepted by the borrower, and 40 were denied.
- Approval rate: approved (originated plus approved but not accepted) as a share of applications decided (approved plus denied) = 98.5%. Withdrawn, incomplete and purchased loans are not counted.
- Withdrawn, incomplete and purchasedBeyond the decisions above, 500 applications were withdrawn by the borrower, 4 were closed for incompleteness, and 0 loans were purchased from another lender. HMDA counts these as outcomes in their own right — withdrawn before a decision, closed with no decision reached, and a purchased loan is one bought from another lender — and none of them is a lending decision.
- Median rate spread0.486 percentage points above the average prime offer rate (reported on 2,371 originations, 89 reported no spread at all — a median of what was reported, not of everything originated)
These are reported outcomes from past applications, and on their own they do not show how this lender treated any borrower.
Reported closing costs, 2025
- Median total loan costs$14,141.73 — originated closed-end household loans, 2025, 2,369 of 2,370 loans. FFIEC HMDA data browser.
- Median origination charges$2,777.80 — originated closed-end household loans, 2025, 2,370 loans. FFIEC HMDA data browser.
- About these figuresThese are historical closing costs reported in the 2025 filing, not a quote for your loan.
Reported product mix, 2025
- Loan types1,151 Conventional, 1,106 FHA, 160 VA, 43 USDA — of 2,460 reported originations, 2025. FFIEC HMDA data browser.
Evidence read October 20, 2026
Source: FFIEC HMDA data browser, 2025 filing. Historical HMDA-reported application outcomes and pricing fields for THE MORTGAGE LINK, INC. — historical outcomes for the applications it decided. This is not a statement of any consumer's likelihood of approval and not a current rate quote.
Frequently Asked Questions
Is The Mortgage Link, Inc. legit?
Here's what public licensing records show. The Mortgage Link, Inc. holds mortgage licenses in 34 states, including Arizona, Arkansas, California, Colorado, Connecticut (NMLS ID #113054, per NMLS records as of October 1, 2026). FreeRateUpdate publishes a Score built from public data and our own records. It does not endorse or vouch for any lender. You can confirm any lender's license yourself at nmlsconsumeraccess.org.
What is The Mortgage Link, Inc.'s NMLS number?
The Mortgage Link, Inc.'s NMLS number is 113054. You can look up its license status on NMLS Consumer Access, at nmlsconsumeraccess.org.
Has FreeRateUpdate verified The Mortgage Link, Inc.'s NMLS ID?
Yes. We checked The Mortgage Link, Inc.'s company name and NMLS ID against the NMLS record on October 14, 2026. They've been in our lender network since July 2013. That confirms who the company is. It isn't an endorsement, and it doesn't check their license in any particular state.
Where can I learn more about The Mortgage Link, Inc.?
This page has The Mortgage Link, Inc.'s NMLS identity, which we verified, and its company details, with links to the records they come from where we have them. For its license status in a particular state, check NMLS Consumer Access.