Linkbank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
22nd19.0% deniedProcesswithdrawn + incomplete share, weight 15%
67th8.0%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 274 | 220 | 12.4% | 12.8% | — | $80M |
| 2024 | 419 | 270 | 19.3% | 21.7% | — | $106M |
| 2025 | 527 | 369 | 17.5% | 19.0% | — | $159M |
What Linkbank lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 9 manufactured homes, 134 investment properties.
Why Linkbank denies applications
Primary reason reported for each of the 92 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Linkbank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 55 | 29 | 42.6% |
| $50k – $100k | 120 | 79 | 24.6% |
| $100k – $150k | 72 | 42 | 20.0% |
| $150k – $250k | 78 | 52 | 21.7% |
| Over $250k | 88 | 63 | 14.1% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 69 | 46 | 21.5% |
| 35–44 | 102 | 74 | 17.0% |
| 45–54 | 78 | 54 | 23.6% |
| 55–64 | 97 | 55 | 30.2% |
| 65–74 | 49 | 28 | 23.8% |
| Over 74 | 26 | 14 | 26.1% |
Where Linkbank lends
8 states and 68 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Pennsylvania | 274 | 197 | 15.7% | — | #236 |
| Virginia | 117 | 84 | 11.1% | — | #272 |
| Maryland | 74 | 50 | 24.3% | — | #270 |
| Delaware | 48 | 27 | 33.3% | — | #119 |
| New Jersey | 7 | 5 | 28.6% | — | #573 |
Frequently asked questions
Linkbank denied 19.0% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 22nd percentile of small mortgage lenders.
The most common reason Linkbank gave in 2025 was "debt-to-income ratio", cited on 57.6% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
In 2025, 42% of its applications were for home purchases, 25% for refinancing (including cash-out), and 33% for home improvement or other purposes. By loan type: 96% conventional, 3% FHA, 1% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.