Interstate Home Loan Center, Inc.: 2025 mortgage rates, costs & approvals
How Interstate Home Loan Center, Inc. priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: INTERSTATE HOME LOAN CENTER, INC. · LEI 5493003X6Y6JGJKHPA25
In 2025, Interstate Home Loan Center, Inc. originated 588 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 19 states — 663rd by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 6.625% (all lenders: 6.625%); its median rate spread was 28 basis points above the national median. Median conventional loan costs were $13,000, 133% higher than the national median ($5,570).
It denied 6.3% of completed home-purchase applications (all lenders: 8.5%).
How Interstate Home Loan Center, Inc. priced home-purchase loans
| Purchase loans, 2025 | Interstate Home Loan Center, Inc. | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.625% | 6.625% |
| 30-year fixed rate · FHA | 6.375% | 6.250% |
| 30-year fixed rate · VA | — | 6.125% |
| 15-year fixed rate · conventional | — | 5.875% |
| Rate spread vs. APOR · conventional | +0.41 pts | +0.13 pts |
| Total loan costs · conventional | $13,000 | $5,570 |
| Total loan costs · FHA | $25,800 | $11,310 |
| Total loan costs · VA | — | $6,490 |
| Origination charges (all types) | $8,530 | $1,860 |
| Borrowers paying discount points | 83.4% | 51.3% |
| Points paid, when paid (% of loan) | 1.74% | 0.87% |
| Borrowers receiving lender credits | 32.9% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Why Interstate Home Loan Center, Inc. denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where Interstate Home Loan Center, Inc. lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| New York | 487 | 513 | 4.9% | 6.625% | $13,000 |
| Florida | 24 | 29 | 21.7% | — | — |
| Connecticut | 22 | 25 | 14.3% | — | — |
| New Jersey | 21 | 23 | — | — | — |
| Pennsylvania | 7 | 8 | — | — | — |
| California | 6 | 6 | — | — | — |
| North Carolina | 5 | 5 | — | — | — |
| Tennessee | 2 | 3 | — | — | — |
| Illinois | 2 | 2 | — | — | — |
| Maryland | 2 | 2 | — | — | — |
| Rhode Island | 2 | 2 | — | — | — |
| Texas | 2 | 2 | — | — | — |
| Alabama | 1 | 1 | — | — | — |
| Arizona | 1 | 1 | — | — | — |
| Colorado | 1 | 1 | — | — | — |
| Georgia | 1 | 1 | — | — | — |
| South Carolina | 1 | 1 | — | — | — |
| Washington | 1 | 1 | — | — | — |
| Wisconsin | 0 | 1 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Interstate Home Loan Center, Inc.'s page for that state.
Counties where Interstate Home Loan Center, Inc. is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Suffolk County, NY | 15 | 241 | 1.8% |
| Nassau County, NY | 19 | 146 | 1.4% |
Check Interstate Home Loan Center, Inc. yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 5493003X6Y6JGJKHPA25.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from Interstate Home Loan Center, Inc. with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology