Mortgage by CountyWhat home buyers actually paid, county by county

Independent analysis of official mortgage recordsHMDA 2025 · 7,155,718 applications

Lender profile · HMDA 2025

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%).

Loans
588
of 627 applications
Denial rate
6.3%
Purchase · all 8.5%
30-yr fixed rate
6.625%
Conv. · all 6.625%
Loan costs
$13,000
Conv. · all $5,570
Loan amount
$555,000
Purchase · all $335,000
Borrower income
$153,000
Purchase · all $116,000

How Interstate Home Loan Center, Inc. priced home-purchase loans

Purchase loans, 2025Interstate Home Loan Center, Inc.All lenders
30-year fixed rate · conventional6.625%6.625%
30-year fixed rate · FHA6.375%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 points83.4%51.3%
Points paid, when paid (% of loan)1.74%0.87%
Borrowers receiving lender credits32.9%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

Conventional 76.4% 449
FHA 21.8% 128
VA 1.9% 11

By purpose

Home purchase 86.1% 506
Refinance 4.1% 24
Cash-out refinance 9.9% 58
Home value
$645,000
Median, purchase loans
Down payment
10%
All lenders 10%
Refi rate
6.50%
30-yr fixed, conventional
Refi denial rate
0.0%
Cash-out 6.5%

Why Interstate Home Loan Center, Inc. denied purchase applications

Debt-to-income ratio 50.0% 17
Collateral (appraisal/property) 17.6% 6
Credit history 14.7% 5
Employment history 5.9% 2
Insufficient cash (down payment/closing costs) 5.9% 2
Unverifiable information 2.9% 1
Other 2.9% 1

First reason the lender reported for each denied home-purchase application.

Where Interstate Home Loan Center, Inc. lends

StateLoansApplicationsPurchase denial rate30-yr rate*Loan costs*
New York4875134.9%6.625%$13,000
Florida242921.7%——
Connecticut222514.3%——
New Jersey2123———
Pennsylvania78———
California66———
North Carolina55———
Tennessee23———
Illinois22———
Maryland22———
Rhode Island22———
Texas22———
Alabama11———
Arizona11———
Colorado11———
Georgia11———
South Carolina11———
Washington11———
Wisconsin01———

*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

CountyRankLoansMarket share
Suffolk County, NY152411.8%
Nassau County, NY191461.4%

Check Interstate Home Loan Center, Inc. yourself

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