What loan types does Interstate Home Loan Center offer?

Interstate Home Loan Center offers the following mortgage loan types: FHA, Conventional. Each product has its own pricing score and performance metrics.

Where does Interstate Home Loan Center offer mortgages?

Interstate Home Loan Center 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's mortgage rates?

Interstate Home Loan Center has an overall pricing score of 11.6/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Interstate Home Loan Center?

Interstate Home Loan Center is a Independent Mortgage Company headquartered in MELVILLE, NY.

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Interstate Home Loan Center

Independent Mortgage Company•Melville, NYHQ•Direct•Reviews near you on Google

Interstate Home Loan Center has 265 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Mediocre

1/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Strong

4/5

FHA · Conventional

Place

Strong

4/5

Multi-Region · 3 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

Things to Think About

Rates typically 60 basis points above market average
Higher than average fees ($5,325)

Explore another lender or local market

Report Card

Interstate Home Loan Center performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Mediocre

+59.7 bps above market avg

1/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

202 loans · 0.52% above market

Sound

Top 60% of lenders

3/5

FHA

54 loans · 0.90% above market

Strong

Top 40% of lenders

4/5

By Loan Purpose· Transaction purpose mix

Purchase

230 loans · 0.60% above market

Sound

Top 60% of lenders

3/5

Refinance

35 loans · 0.52% above market

Acceptable

Bottom 40% of lenders

2/5

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 3 markets

Strong

Top 40% of lenders

4/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Acceptable	Sound	Mediocre	Sound	202	76.2%	+0.517%Above	$5,262Fees
FHA Loans	Sound	Strong	Mediocre	Strong	54	20.4%	+0.901%Above	$6,166Fees

Conventional

Overall

Acceptable

Product

Sound

Pricing

Mediocre

Pull Through

Sound

Volume202

Mix76.2%

Spread

+0.517%Above

Fees

$5,262Fees

FHA Loans

Overall

Sound

Product

Strong

Pricing

Mediocre

Pull Through

Strong

Volume54

Mix20.4%

Spread

+0.901%Above

Fees

$6,166Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Acceptable	Sound	Mediocre	Sound	230	86.8%	+0.604%Above	$5,356Fees
Refinance	Acceptable	Acceptable	—	Acceptable	35	13.2%	+0.523%Above	$5,024Fees

Purchase

Overall

Acceptable

Product

Sound

Pricing

Mediocre

Pull Through

Sound

Volume230

Mix86.8%

Spread

+0.604%Above

Fees

$5,356Fees

Refinance

Overall

Acceptable

Product

Acceptable

Pricing—

Pull Through

Acceptable

Volume35

Mix13.2%

Spread

+0.523%Above

Fees

$5,024Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

265

Applications

377

Volume

$136 million

Pricing & Closing

Avg Rate Spread

+0.597%

vs. market APOR

Avg Net Fees

$5,325

Origination − Credits

Pullthrough Rate

70.3%

Applications → Closed

Typical Borrower

Avg Loan Amount

$516,472

Avg Borrower Income

$190,838

Avg Property Value

$700,962

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

20Full-year 2024 · HMDA

Loans originated

< 2020+None

Northeast7

CTMENHNJNYPARI

Midwest5

IAILMIOHWI

South6

FLGAMDNCSCTX

West2

CAOR

Top Metro Areas by Place Specialization Score

Nassau County, NYMetro

Volume 110Mix 41.51% of portfolio

74/100

Strong

New York, NY-NJMetro

Volume 68Mix 25.66% of portfolio

65/100

Strong

Kiryas Joel, NYMetro

Volume 11Mix 4.15% of portfolio

44/100

Sound

Top States by Place Specialization Score

New YorkState

Volume 196Mix 73.96% of portfolio

74/100

Strong

ConnecticutState

Volume 16Mix 6.04% of portfolio

47/100

Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.