# INTERSTATE HOME LOAN CENTER, INC.

> **Canonical URL:** https://saferate.com/lenders/interstate-home-loan-center

> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible

INTERSTATE HOME LOAN CENTER, INC. is a independent mortgage company, headquartered in MELVILLE, NY, serving borrowers across 20 states, with 265 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 88% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 41% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 5493003X6Y6JGJKHPA25
- **Headquarters:** MELVILLE, NY
- **Geographic Reach:** Multi-Region
- **States Served:** 20
- **State List:** CA, CT, FL, GA, IA, IL, MD, ME, MI, NC, NH, NJ, NY, OH, OR, PA, RI, SC, TX, WI
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 99.5%
- **Brokered/Wholesale:** 0.5%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 12/100
- Rating: ●○○○○ (1/5)

### Pull Through: Sound ☺️
- Score: 59/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.597%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $5,325
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 265
- **Dollar Volume:** $137 million
- **Applications Received:** 377
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $516,472
- **Average Borrower Income:** $190,838

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 43/100 | 202 | +0.517% | $5,262 | Sound ☺️ |
| FHA | 62/100 | 54 | +0.901% | $6,166 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 173 loans, Score: 44/100 (Sound)
- Refinance: 29 loans, Score: 37/100 (Acceptable)

**FHA:**
- Purchase: 52 loans, Score: 62/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 48/100 | 230 | $120M | +0.604% | Sound ☺️ |
| Refinance | 38/100 | 35 | $17M | +0.523% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| NY | 196 | 0.17% | 74/100 |
| CT | 16 | 0.05% | 47/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Nassau County | NY | 110 | 74/100 |
| New York | NY-NJ | 68 | 65/100 |
| Kiryas Joel | NY | 11 | 44/100 |

## Frequently Asked Questions

### What loan types does INTERSTATE HOME LOAN CENTER, INC. offer?

INTERSTATE HOME LOAN CENTER, INC. offers the following mortgage loan types: FHA, Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does INTERSTATE HOME LOAN CENTER, INC. offer mortgages?

INTERSTATE HOME LOAN CENTER, INC. offers mortgages in 20 states: CA, CT, FL, GA, IA, IL, MD, ME, MI, NC, NH, NJ, NY, OH, OR, PA, RI, SC, TX, WI.

### How competitive are INTERSTATE HOME LOAN CENTER, INC.'s mortgage rates?

INTERSTATE HOME LOAN CENTER, INC. has a pricing score of 12/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.597% above market average.

### What type of lender is INTERSTATE HOME LOAN CENTER, INC.?

INTERSTATE HOME LOAN CENTER, INC. is a non-depository lender that specializes in mortgage origination, headquartered in MELVILLE, NY.

### What is INTERSTATE HOME LOAN CENTER, INC.'s loan approval success rate?

INTERSTATE HOME LOAN CENTER, INC. has a pull-through score of 59/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-05-29
**Canonical URL:** https://saferate.com/lenders/interstate-home-loan-center

### How to Cite

> "INTERSTATE HOME LOAN CENTER, INC. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/interstate-home-loan-center

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