What InterLinc Mortgage Services, LLC does

InterLinc Mortgage Services, LLC is a privately held, Houston, Texas-based residential mortgage lender (NMLS #205696) operating across 28 U.S. states through a network of branch offices and licensed loan originators. Founded around 2009, the company employs between 251 and 500 people and provides in-house origination, processing, underwriting, and closing under the motto 'On Time and As Agreed,' with branch locations in Texas, Tennessee, Louisiana, Oklahoma, Missouri, Indiana, and Kentucky. Its customer base is entirely retail/consumer — first-time homebuyers, military veterans, self-employed borrowers, real estate investors, and refinance borrowers — served via direct consumer applications, branch-based advisory relationships, and referral partnerships with Realtors, builders, and community organizations.

The company's product portfolio spans the full residential mortgage spectrum: Conventional conforming, FHA, VA, VA-IRRRL, USDA, Jumbo, Renovation, Non-QM, Cash-Out Refinance, Investment, Condo, Manufactured Housing, Section 184 (Native American), and Down Payment Assistance programs. Technology is not proprietary; InterLinc runs a third-party website platform (Codeintel), a third-party loan servicing portal (portal.willowservicing.com), and provides consumer-facing tools such as mortgage calculators, educational content, and online application intake, with no disclosed AI/ML capability, mobile app, or partner API.

InterLinc generates revenue on a transaction-fee basis through mortgage origination: origination fees charged at closing plus the interest-rate spread earned when loans are sold into the secondary market. Pricing is not publicly disclosed and varies by borrower profile, loan type, and market conditions. Distribution is omnichannel: branch-based producer relationships, direct-to-consumer online applications, and channel partnerships with real estate professionals and builders. The company was ranked #1 in the U.S. for average loan production per originator by Scotsman Guide in 2023, and several of its originators are consistently ranked among Scotsman Guide's Top Originators, indicating top-decile per-capita productivity. Texas Capital Lending operates as a sub-brand focused on the Texas market.

Name

InterLinc Mortgage Services, LLC

Legal name

InterLinc Mortgage Services, LLC

Website

https://interlincmortgage.com

Company type

Private

Founded year

2013

Operating status

Operating

Headcount range

251–500 employees

Ownership category

akta.pro rank

Product category

Residential Mortgage Lending

NAICS

Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Residential Mortgage Brokerage (Purchase & Refinance) (FSAEAEAA)

akta.pro secondary industry

Home Equity Loan & HELOC Intermediation (FSAEAEAD)

Keywords

• Residential mortgage lending
• Home loan origination
• Mortgage refinancing
• Loan officer services
• Home financing programs

Headquarters

HQ city

Houston

HQ country

United States

HQ region

North America

Offices15 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure, Others

Revenue model

1. Mortgage Origination Revenue: Revenue is generated through origination fees charged at loan closing and the interest rate spread between the rate offered to borrowers and the rate at which loans are sold into the secondary market. InterLinc Mortgage provides in-house origination, processing, underwriting, and closing.

Go-to-market motion3 records

Distribution channels3 records

Marketing channels10 records

Core offering

InterLinc Mortgage Services, LLC is a retail mortgage lender that originates, processes, underwrites, and closes residential mortgage loans entirely in-house. The company offers a broad menu of loan programs — including Conventional, FHA, VA, USDA, Jumbo, VA-IRRRL, Renovation, Non-QM, Cash-Out Refinance, Manufactured Housing, Condo, Section 184, Investment, and Down Payment Assistance loans — through a network of licensed loan originators operating from local branches across 28 U.S. states.

Product overview

InterLinc Mortgage Services, LLC is a mortgage lending company offering a comprehensive suite of residential loan products through a network of loan officers across 28 states. The company's core offerings include government-backed loans (FHA, VA, USDA, Section 184, VA-IRRRL), conventional mortgages, jumbo loans, and specialized financing (renovation, manufactured housing, non-QM, down payment assistance, investment properties, condos). The company manages the full mortgage lifecycle in-house including origination, processing, underwriting, and closing, with a motto of 'On Time and As Agreed.' Additional borrower resources include online mortgage calculators, loan checklists, glossaries, FAQs, and blog/educational content.

Differentiator

Problem solved

Functional benefit

Brands

• Texas Capital Lending: A division of InterLinc Mortgage focused on Texas market mortgage lending services.

Products and services

• Conventional Loans Conforming mortgages following Freddie Mac and Fannie Mae guidelines, offering multiple terms, no mortgage insurance with down payments greater than 20% LTV, and a maximum loan amount of $832,750 for individual borrowers. Designed for homebuyers who can meet standard credit and documentation requirements.
• FHA Loans Government-backed loans for first-time homebuyers or those with higher debt-to-income ratios. Features flexible qualifications with a 3.5% minimum down payment, minimum 580 FICO score, and a maximum loan amount of $541,287. Aimed at borrowers who need lower-down-payment options.
• VA Loans Mortgage loans with favorable benefits for military veterans, active duty personnel, or reservists, supporting home purchases with VA entitlement. Designed for U.S. military borrowers seeking government-backed financing.
• USDA Loans Government loans providing benefits and incentives to promote homeownership in eligible rural areas. Aimed at borrowers purchasing homes in USDA-designated rural locations.
• Jumbo Loans Mortgage options for higher-priced homes that exceed conforming loan limits, offering flexible terms, competitive rates, and expert guidance. Designed for borrowers financing luxury or high-balance properties.
• Manufactured Housing Loans Financing options specifically for manufactured home purchases. Designed for borrowers buying factory-built housing that may not qualify for traditional site-built mortgage programs.
• Renovation Loans Loans that finance adding, repairing, or remodeling projects as part of the mortgage, allowing borrowers to fund both the purchase and renovation of a home through a single loan.
• Non-QM Loans Options for homebuyers and properties that do not fit traditional qualifying mortgage products, or for investors seeking streamlined documentation requirements. Includes bank statement, DSCR, and physician loans for self-employed and non-traditional income borrowers.
• Cash-Out Refinance Loans Refinancing options allowing homeowners to convert built-up home equity into cash by replacing an existing mortgage with a new, larger loan. Designed for borrowers seeking to access home equity.
• VA-IRRRL Loans Interest Rate Reduction Refinancing Loans for existing VA loan holders, enabling them to take advantage of lower interest rates or reduce repayment periods without a new appraisal. Designed for veterans refinancing an existing VA mortgage.
• Down Payment Assistance Loans Programs to help borrowers with down payment and closing costs for home purchases, including state and local affordable housing assistance options. Aimed at first-time and lower-down-payment homebuyers.
• Investment Loans Mortgage options for purchasing investment properties or rental real estate, including DSCR-based financing. Designed for individual real estate investors financing non-owner-occupied properties.
• Condo Loans Mortgage options for condominium purchases, including Full Condominium Approval, Limited Condominium Approval, and Condotel financing. Designed for buyers purchasing condominium or condotel units.
• Section 184 Loans Loan options for Native American and Alaska Native families, Alaska villages, tribes, or tribally designated housing entities under the HUD Section 184 Indian Home Loan Guarantee Program.

Quantifiable outcome

• 98% customer satisfaction rating
• +3 more outcomes

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Four partnerships are on record, tiered minor and core.

• Realty Executives Main StreetminorChannel Partner/ Reseller/ Distributor · 1 January 2026Julia Dwyer operates out of Realty Executives Main Street office in Sweetwater, serving Monroe County homebuyers. This is a local real estate brokerage partnership facilitating referrals.
• Texas State Affordable Housing Corporation (TSAHC)minorStrategic or Co-development PartnerIvan Pastor is listed as a TSAHC-approved lender, enabling him to offer Texas-specific affordable housing programs to homebuyers in Texas.
• NAHREP (National Association of Hispanic Real Estate Professionals)minorStrategic or Co-development PartnerIvan Pastor is listed as a NAHREP member/originator, connecting the company to the Hispanic real estate professional network for referrals and industry recognition.
• Texas Veterans Land BoardcoreGTM or Marketing PartnerInterLinc Mortgage is an approved lender with the Texas Veterans Land Board. Jill Thompson was ranked #2 Loan Officer in Texas by the TVLB in 2024, having helped 95 veterans secure over $35.8 million in financing through this program.

Scale indicators8 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Fairway Independent Mortgage Corporation: Large private retail mortgage banker licensed in all 50 states with branches and loan officers. Closely comparable size and operating model to InterLinc — branch-based retail origination, broad product menu including government and non-QM, and strong producer-driven culture.
• loanDepot: Public retail mortgage lender offering conventional, FHA, VA, and jumbo loans through a national branch network. Directly comparable business model to InterLinc — direct-to-consumer origination, multi-state retail distribution, in-house processing/underwriting, and a similar product suite targeting purchase and refinance borrowers.
• Homebridge Financial Services: Top-10 retail and wholesale mortgage lender operating nationally with a strong branch network of loan originators. Directly comparable to InterLinc in retail branch distribution, product breadth, and target borrower segments.
• Nations Lending Corporation: Mid-large independent retail mortgage banker with multi-state operations and a comprehensive product suite (Conventional, FHA, VA, USDA, Jumbo, Non-QM). Comparable business model to InterLinc with branch-based retail origination and in-house processing.
• Guild Mortgage: Mid-large retail mortgage banker operating across 48 states with a multi-channel distribution model (retail, wholesale, and consumer direct). Closely comparable to InterLinc in product breadth (conventional, government, jumbo, non-QM), retail branch distribution, and customer-segment specialization (first-time buyers, self-employed, veterans).
• Paramount Equity (Paramount Residential Mortgage Group): Multi-state retail mortgage banker with branch-based loan originator network. Comparable operating model and product breadth, though serves a different regional footprint than InterLinc. Included as a similar-sized retail mortgage banker peer.
• NewRez LLC (Newrez Wholesale / Shellpoint Mortgage Servicing): National mortgage lender with retail and wholesale origination platforms. Directly comparable in multi-product retail origination, multi-state licensing, and in-house processing/underwriting. Owned by Rithm Capital, which adds scale advantages but shares the same retail mortgage banking model.

Broad incumbents

• Rocket Mortgage (Rocket Companies): Largest U.S. retail mortgage lender and the dominant direct-to-consumer brand. Operates in the same residential mortgage market with overlapping products but at vastly greater scale, with proprietary technology and a national brand that InterLinc competes against for borrower mindshare.
• United Wholesale Mortgage (UWM): Largest U.S. wholesale mortgage lender and an emerging retail player. Indirectly comparable to InterLinc through competition for loan officer talent and shared loan product economics, though primarily wholesale-channel rather than retail-branch like InterLinc.

Emerging players

• Angel Oak Mortgage Solutions: Non-QM and specialty mortgage lender focused on self-employed borrowers, investors, and non-traditional income documentation. Comparable to InterLinc's non-QM and investor loan offerings, though narrower in product scope and scale.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/user/InterLincServices
• Facebookfacebook.com/interlinc-mortgage-services-llc-261977933871918
• LinkedInlinkedin.com/company/interlinc-mortgage-services-llc
• Instagraminstagram.com/interlincmortgage
• TikToktiktok.com/@interlincmortgage

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about InterLinc Mortgage Services, LLC