Interstate Home Loan Center, Inc. Mortgage Lending & HMDA Data, 2019
In 2019, Interstate Home Loan Center, Inc. of Melville, NY reported 759 mortgage applications totaling $262.1 million, down 32% from 2018. The average application was for $345,289, and applicants reported an average income of $106,707. 44% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Nassau County-Suffolk County, NY (324), New York-Jersey City-White Plains, NY-NJ (149) and New York-Newark, NY (29) (applications in parentheses).
| Mortgage Company & Address | Interstate Home Loan Center, Inc. 40 Marcus Drive Suite 100 Melville, NY 11747 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 |
| Total Number of Mortgage Applications | 759 |
| Total Mortgage Loan Application Amount | $262,075,000 |
| Average Mortgage Loan Application Amount | $345,289 |
| Highest Mortgage Loan Application Amount | $1,275,000 |
| Average Applicant Income | $106,707 |
| Highest Applicant Income | $660,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Interstate Home Loan Center, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Suffolk, New York | 212 | $ 72,730,000 | $ 343,066 | $ 115,000 |
| Nassau, New York | 112 | $ 46,140,000 | $ 411,964 | $ 132,000 |
| Queens, New York | 47 | $ 22,765,000 | $ 484,361 | $ 101,000 |
| Westchester, New York | 26 | $ 10,370,000 | $ 398,846 | $ 109,000 |
| Kings, New York | 25 | $ 13,985,000 | $ 559,400 | $ 129,000 |
| Bronx, New York | 22 | $ 10,340,000 | $ 470,000 | $ 102,000 |
| Yavapai, Arizona | 12 | $ 2,640,000 | $ 220,000 | $ 59,000 |
| Orange, New York | 10 | $ 2,420,000 | $ 242,000 | $ 84,000 |
| Cook, Illinois | 9 | $ 1,205,000 | $ 133,888 | $ 71,000 |
| Bergen, New Jersey | 9 | $ 3,515,000 | $ 390,555 | $ 124,000 |
| Essex, New Jersey | 9 | $ 2,855,000 | $ 317,222 | $ 77,000 |
| Richmond, New York | 8 | $ 3,950,000 | $ 493,750 | $ 100,000 |
| Los Angeles, California | 6 | $ 2,270,000 | $ 378,333 | $ 118,000 |
| Monmouth, New Jersey | 5 | $ 1,745,000 | $ 349,000 | $ 192,000 |
| Morris, New Jersey | 5 | $ 1,635,000 | $ 327,000 | $ 80,000 |
| Passaic, New Jersey | 5 | $ 1,555,000 | $ 311,000 | $ 80,000 |
| Dutchess, New York | 5 | $ 1,365,000 | $ 273,000 | $ 110,000 |
| Orange, Florida | 4 | $ 930,000 | $ 232,500 | $ 87,000 |
| Atlantic, New Jersey | 4 | $ 800,000 | $ 200,000 | $ 54,000 |
| Burlington, New Jersey | 4 | $ 720,000 | $ 180,000 | $ 83,000 |
| Camden, New Jersey | 4 | $ 770,000 | $ 192,500 | $ 61,000 |
| Gloucester, New Jersey | 4 | $ 640,000 | $ 160,000 | $ 56,000 |
| Middlesex, New Jersey | 4 | $ 1,010,000 | $ 252,500 | $ 117,000 |
| Putnam, New York | 4 | $ 1,010,000 | $ 252,500 | $ 95,000 |
| Sullivan, New York | 4 | $ 750,000 | $ 187,500 | $ 65,000 |
| Maricopa, Arizona | 3 | $ 665,000 | $ 221,666 | $ 77,000 |
| Fairfield, Connecticut | 3 | $ 495,000 | $ 165,000 | $ 49,000 |
| Hartford, Connecticut | 3 | $ 545,000 | $ 181,666 | $ 46,000 |
| Fulton, Georgia | 3 | $ 635,000 | $ 211,666 | $ 91,000 |
| Ocean, New Jersey | 3 | $ 1,265,000 | $ 421,666 | $ 128,000 |
| Union, New Jersey | 3 | $ 695,000 | $ 231,666 | $ 100,000 |
| Wake, North Carolina | 3 | $ 885,000 | $ 295,000 | $ 129,000 |
| Harris, Texas | 3 | $ 775,000 | $ 258,333 | $ 100,000 |
| Riverside, California | 2 | $ 480,000 | $ 240,000 | $ 66,000 |
| New Haven, Connecticut | 2 | $ 320,000 | $ 160,000 | $ 38,000 |
| Broward, Florida | 2 | $ 290,000 | $ 145,000 | $ 88,000 |
| Hillsborough, Florida | 2 | $ 370,000 | $ 185,000 | $ 50,000 |
| Lee, Florida | 2 | $ 380,000 | $ 190,000 | $ 161,000 |
| Manatee, Florida | 2 | $ 480,000 | $ 240,000 | $ 68,000 |
| Osceola, Florida | 2 | $ 400,000 | $ 200,000 | $ 44,000 |
| Gwinnett, Georgia | 2 | $ 390,000 | $ 195,000 | $ 55,000 |
| Baltimore City, Maryland | 2 | $ 200,000 | $ 100,000 | $ 38,000 |
| Somerset, New Jersey | 2 | $ 450,000 | $ 225,000 | $ 69,000 |
| Jefferson, New York | 2 | $ 420,000 | $ 210,000 | $ 24,000 |
| Monroe, New York | 2 | $ 780,000 | $ 390,000 | $ 149,000 |
| Rockland, New York | 2 | $ 830,000 | $ 415,000 | $ 149,000 |
| Cumberland, North Carolina | 2 | $ 530,000 | $ 265,000 | $ 107,000 |
| Johnston, North Carolina | 2 | $ 430,000 | $ 215,000 | $ 68,000 |
| Bastrop, Texas | 2 | $ 220,000 | $ 110,000 | $ 111,000 |
| Hays, Texas | 2 | $ 530,000 | $ 265,000 | $ 127,000 |
| Coconino, Arizona | 1 | $ 175,000 | $ 175,000 | $ 100,000 |
| Kern, California | 1 | $ 175,000 | $ 175,000 | $ 85,000 |
| Sacramento, California | 1 | $ 265,000 | $ 265,000 | $ 69,000 |
| San Bernardino, California | 1 | $ 1,275,000 | $ 1,275,000 | $ 247,000 |
| San Diego, California | 1 | $ 365,000 | $ 365,000 | $ 97,000 |
| San Francisco, California | 1 | $ 695,000 | $ 695,000 | $ 113,000 |
| San Joaquin, California | 1 | $ 425,000 | $ 425,000 | $ 114,000 |
| San Luis Obispo, California | 1 | $ 415,000 | $ 415,000 | $ 53,000 |
| Arapahoe, Colorado | 1 | $ 385,000 | $ 385,000 | $ 120,000 |
| Middlesex, Connecticut | 1 | $ 345,000 | $ 345,000 | $ 91,000 |
| Indian River, Florida | 1 | $ 295,000 | $ 295,000 | $ 115,000 |
| Lake, Florida | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Marion, Florida | 1 | $ 455,000 | $ 455,000 | $ 220,000 |
| Miami-Dade, Florida | 1 | $ 285,000 | $ 285,000 | $ 96,000 |
| Palm Beach, Florida | 1 | $ 125,000 | $ 125,000 | $ 55,000 |
| Pinellas, Florida | 1 | $ 605,000 | $ 605,000 | $ 336,000 |
| Sarasota, Florida | 1 | $ 145,000 | $ 145,000 | $ 83,000 |
| St. Johns, Florida | 1 | $ 485,000 | $ 485,000 | $ 108,000 |
| Clarke, Georgia | 1 | $ 185,000 | $ 185,000 | $ 71,000 |
| DeKalb, Georgia | 1 | $ 345,000 | $ 345,000 | $ 128,000 |
| Henry, Georgia | 1 | $ 145,000 | $ 145,000 | $ 43,000 |
| Lee, Georgia | 1 | $ 435,000 | $ 435,000 | $ 200,000 |
| Newton, Georgia | 1 | $ 255,000 | $ 255,000 | $ 205,000 |
| Rockdale, Georgia | 1 | $ 185,000 | $ 185,000 | $ 117,000 |
| DuPage, Illinois | 1 | $ 175,000 | $ 175,000 | $ 59,000 |
| Kane, Illinois | 1 | $ 25,000 | $ 25,000 | $ 38,000 |
| Kendall, Illinois | 1 | $ 105,000 | $ 105,000 | $ 44,000 |
| Will, Illinois | 1 | $ 175,000 | $ 175,000 | $ 74,000 |
| Anne Arundel, Maryland | 1 | $ 465,000 | $ 465,000 | $ 98,000 |
| Baltimore, Maryland | 1 | $ 225,000 | $ 225,000 | $ 74,000 |
| Harford, Maryland | 1 | $ 195,000 | $ 195,000 | $ 56,000 |
| Prince George's, Maryland | 1 | $ 245,000 | $ 245,000 | $ 99,000 |
| Kent, Michigan | 1 | $ 225,000 | $ 225,000 | $ 47,000 |
| Cumberland, New Jersey | 1 | $ 145,000 | $ 145,000 | $ 36,000 |
| Hudson, New Jersey | 1 | $ 205,000 | $ 205,000 | $ 33,000 |
| Mercer, New Jersey | 1 | $ 175,000 | $ 175,000 | $ 73,000 |
| Erie, New York | 1 | $ 125,000 | $ 125,000 | $ 22,000 |
| Oneida, New York | 1 | $ 125,000 | $ 125,000 | $ 48,000 |
| Saratoga, New York | 1 | $ 265,000 | $ 265,000 | $ 65,000 |
| Schenectady, New York | 1 | $ 195,000 | $ 195,000 | $ 107,000 |
| Ulster, New York | 1 | $ 275,000 | $ 275,000 | $ 95,000 |
| Harnett, North Carolina | 1 | $ 215,000 | $ 215,000 | $ 50,000 |
| Jackson, North Carolina | 1 | $ 295,000 | $ 295,000 | $ 151,000 |
| Pike, Pennsylvania | 1 | $ 105,000 | $ 105,000 | $ 36,000 |
| Lancaster, South Carolina | 1 | $ 285,000 | $ 285,000 | $ 72,000 |
| Denton, Texas | 1 | $ 245,000 | $ 245,000 | $ 77,000 |
| Ellis, Texas | 1 | $ 385,000 | $ 385,000 | $ 106,000 |
| Real, Texas | 1 | $ 95,000 | $ 95,000 | $ 100,000 |
| Williamson, Texas | 1 | $ 285,000 | $ 285,000 | $ 117,000 |
| Outagamie, Wisconsin | 1 | $ 145,000 | $ 145,000 | $ 65,000 |
| Winnebago, Wisconsin | 1 | $ 115,000 | $ 115,000 | $ 53,000 |
Mortgage Loan Application Detail Totals for Interstate Home Loan Center, Inc. in 2019
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 331 | $110,525,000 | $333,000 | $1,275,000 | $108,000 | $560,000 |
| Cash-out Refinancing | 277 | $95,045,000 | $343,000 | $985,000 | $111,000 | $660,000 |
| Refinancing | 151 | $56,505,000 | $374,000 | $1,045,000 | $96,000 | $460,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 426 | $149,510,000 | $350,000 | $1,275,000 | $116,000 | $660,000 |
| Black or African American | 147 | $47,725,000 | $324,000 | $905,000 | $93,000 | $420,000 |
| Hispanic | 121 | $40,695,000 | $336,000 | $645,000 | $88,000 | $209,000 |
| Asian | 42 | $16,790,000 | $399,000 | $1,275,000 | $104,000 | $250,000 |
| Not Provided | 21 | $6,175,000 | $294,000 | $655,000 | $116,000 | $460,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $765,000 | $765,000 | $765,000 | $176,000 | $176,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 466 | $167,240,000 | $358,000 | $1,275,000 | $120,000 | $660,000 |
| FHA-insured (Federal Housing Administration) | 254 | $83,890,000 | $330,000 | $805,000 | $83,000 | $261,000 |
| VA-guaranteed (Veterans Administration) | 36 | $10,260,000 | $285,000 | $625,000 | $96,000 | $204,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $685,000 | $228,000 | $255,000 | $59,000 | $68,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Application Withdrawn By Applicant | 348 | $120,950,000 | $347,000 | $1,275,000 | $104,000 | $660,000 |
| Loan Originated | 337 | $117,185,000 | $347,000 | $905,000 | $113,000 | $382,000 |
| File Closed For Incompleteness | 44 | $14,810,000 | $336,000 | $725,000 | $93,000 | $297,000 |
| Application Denied By Financial Institution | 26 | $7,730,000 | $297,000 | $625,000 | $81,000 | $240,000 |
| Application Approved But Not Accepted | 4 | $1,400,000 | $350,000 | $425,000 | $96,000 | $120,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 733 | $254,345,000 | $346,000 | $1,275,000 | $107,000 | $660,000 |
| Credit History | 8 | $2,090,000 | $261,000 | $345,000 | $98,000 | $240,000 |
| Debt-To-Income Ratio | 8 | $2,580,000 | $322,000 | $475,000 | $55,000 | $106,000 |
| Collateral | 5 | $1,225,000 | $245,000 | $375,000 | $67,000 | $109,000 |
| Other | 3 | $1,015,000 | $338,000 | $625,000 | $109,000 | $164,000 |
| Unverifiable Information | 1 | $305,000 | $305,000 | $305,000 | $74,000 | $74,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $515,000 | $515,000 | $515,000 | $136,000 | $136,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Interstate Home Loan Center, Inc.'s 2019 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Interstate Home Loan Center, Inc.'s mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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