Interstate Home Loan Center, Inc. Mortgage Lending & HMDA Data, 2018
In 2018, Interstate Home Loan Center, Inc. of Melville, NY reported 1,123 mortgage applications totaling $376.3 million, down 13% from 2017. The average application was for $335,106, and applicants reported an average income of $102,379. 39% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Nassau County-Suffolk County, NY (390), New York-Jersey City-White Plains, NY-NJ (227) and Newark, NJ-PA (30) (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 | 1,123 |
| Total Mortgage Loan Application Amount | $376,325,000 |
| Average Mortgage Loan Application Amount | $335,106 |
| Highest Mortgage Loan Application Amount | $1,605,000 |
| Average Applicant Income | $102,379 |
| Highest Applicant Income | $1,083,000 |
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Interstate Home Loan Center, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Nassau County-Suffolk County, NY | 390 | $ 146,290,000 | $ 375,102 | $ 116,000 |
| New York-Jersey City-White Plains, NY-NJ | 227 | $ 97,625,000 | $ 430,066 | $ 119,149 |
| Newark, NJ-PA | 30 | $ 8,790,000 | $ 293,000 | $ 90,566 |
| Atlanta-Sandy Springs-Roswell, GA | 20 | $ 3,500,000 | $ 175,000 | $ 87,000 |
| Tampa-St. Petersburg-Clearwater, FL | 18 | $ 4,210,000 | $ 233,888 | $ 83,000 |
| Houston-The Woodlands-Sugar Land, TX | 16 | $ 3,690,000 | $ 230,625 | $ 80,000 |
| Outside any metro area | 15 | $ 2,665,000 | $ 177,666 | $ 77,600 |
| Dutchess County-Putnam County, NY | 14 | $ 2,940,000 | $ 210,000 | $ 82,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 13 | $ 4,065,000 | $ 312,692 | $ 101,000 |
| Baltimore-Columbia-Towson, MD | 11 | $ 2,875,000 | $ 261,363 | $ 70,000 |
| Bridgeport-Stamford-Norwalk, CT | 11 | $ 3,485,000 | $ 316,818 | $ 112,000 |
| Dallas-Plano-Irving, TX | 11 | $ 2,625,000 | $ 238,636 | $ 75,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 11 | $ 2,565,000 | $ 233,181 | $ 133,000 |
| Jacksonville, NC | 10 | $ 2,570,000 | $ 257,000 | $ 90,000 |
| Camden, NJ | 9 | $ 1,665,000 | $ 185,000 | $ 97,000 |
| Los Angeles-Long Beach-Glendale, CA | 9 | $ 4,565,000 | $ 507,222 | $ 139,000 |
| Orlando-Kissimmee-Sanford, FL | 9 | $ 2,235,000 | $ 248,333 | $ 76,000 |
| Austin-Round Rock, TX | 8 | $ 2,190,000 | $ 273,750 | $ 66,000 |
| Savannah, GA | 7 | $ 1,335,000 | $ 190,714 | $ 64,000 |
| Cape Coral-Fort Myers, FL | 6 | $ 1,610,000 | $ 268,333 | $ 53,000 |
| Hartford-West Hartford-East Hartford, CT | 6 | $ 1,570,000 | $ 261,666 | $ 74,000 |
| Pittsburgh, PA | 5 | $ 1,205,000 | $ 241,000 | $ 37,000 |
| Riverside-San Bernardino-Ontario, CA | 5 | $ 1,735,000 | $ 347,000 | $ 50,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 5 | $ 1,675,000 | $ 335,000 | $ 59,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 4 | $ 710,000 | $ 177,500 | $ 74,000 |
| Charlotte-Concord-Gastonia, NC-SC | 4 | $ 1,270,000 | $ 317,500 | $ 107,000 |
| Chicago-Naperville-Arlington Heights, IL | 4 | $ 1,350,000 | $ 337,500 | $ 53,000 |
| Fort Worth-Arlington, TX | 4 | $ 1,090,000 | $ 272,500 | $ 27,000 |
| Miami-Miami Beach-Kendall, FL | 4 | $ 920,000 | $ 230,000 | $ 60,000 |
| Midland, TX | 4 | $ 1,120,000 | $ 280,000 | $ 57,000 |
| Philadelphia, PA | 4 | $ 1,030,000 | $ 257,500 | $ 68,000 |
| Port St. Lucie, FL | 4 | $ 670,000 | $ 167,500 | $ 46,000 |
| Raleigh, NC | 4 | $ 1,320,000 | $ 330,000 | $ 148,000 |
| Sebastian-Vero Beach, FL | 4 | $ 660,000 | $ 165,000 | $ 24,000 |
| Warren-Troy-Farmington Hills, MI | 4 | $ 660,000 | $ 165,000 | $ 81,000 |
| Anaheim-Santa Ana-Irvine, CA | 3 | $ 2,235,000 | $ 745,000 | $ 100,000 |
| Augusta-Richmond County, GA-SC | 3 | $ 545,000 | $ 181,666 | $ 57,000 |
| Grand Rapids-Wyoming, MI | 3 | $ 615,000 | $ 205,000 | $ 50,000 |
| Hickory-Lenoir-Morganton, NC | 3 | $ 245,000 | $ 81,666 | $ 32,000 |
| New Haven-Milford, CT | 3 | $ 865,000 | $ 288,333 | $ 94,000 |
| Phoenix-Mesa-Scottsdale, AZ | 3 | $ 705,000 | $ 235,000 | $ 81,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 3 | $ 1,155,000 | $ 385,000 | $ 125,000 |
| San Antonio-New Braunfels, TX | 3 | $ 575,000 | $ 191,666 | $ 45,000 |
| Albany-Schenectady-Troy, NY | 2 | $ 510,000 | $ 255,000 | $ 81,000 |
| Atlantic City-Hammonton, NJ | 2 | $ 300,000 | $ 150,000 | $ 49,000 |
| Binghamton, NY | 2 | $ 740,000 | $ 370,000 | $ 294,000 |
| Denver-Aurora-Lakewood, CO | 2 | $ 380,000 | $ 190,000 | $ 64,000 |
| Fresno, CA | 2 | $ 450,000 | $ 225,000 | $ 18,000 |
| Gainesville, FL | 2 | $ 240,000 | $ 120,000 | $ 62,000 |
| Glens Falls, NY | 2 | $ 370,000 | $ 185,000 | $ 101,000 |
| Kingston, NY | 2 | $ 800,000 | $ 400,000 | $ 124,000 |
| Lakeland-Winter Haven, FL | 2 | $ 360,000 | $ 180,000 | $ 52,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 2 | $ 720,000 | $ 360,000 | $ 19,000 |
| Oakland-Hayward-Berkeley, CA | 2 | $ 690,000 | $ 345,000 | $ 70,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 2 | $ 1,240,000 | $ 620,000 | $ 0 |
| Salinas, CA | 2 | $ 370,000 | $ 185,000 | $ 67,000 |
| San Diego-Carlsbad, CA | 2 | $ 740,000 | $ 370,000 | $ 126,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 2 | $ 340,000 | $ 170,000 | $ 28,000 |
| Silver Spring-Frederick-Rockville, MD | 2 | $ 600,000 | $ 300,000 | $ 119,000 |
| Stockton-Lodi, CA | 2 | $ 510,000 | $ 255,000 | $ 42,000 |
| Toledo, OH | 2 | $ 340,000 | $ 170,000 | $ 71,000 |
| Trenton, NJ | 2 | $ 600,000 | $ 300,000 | $ 49,000 |
| Vineland-Bridgeton, NJ | 2 | $ 440,000 | $ 220,000 | $ 80,000 |
| Wilmington, NC | 2 | $ 390,000 | $ 195,000 | $ 98,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 255,000 | $ 255,000 | $ 300,000 |
| Boulder, CO | 1 | $ 515,000 | $ 515,000 | $ 132,000 |
| Brownsville-Harlingen, TX | 1 | $ 185,000 | $ 185,000 | $ 57,000 |
| Chambersburg-Waynesboro, PA | 1 | $ 275,000 | $ 275,000 | $ 88,000 |
| Charleston-North Charleston, SC | 1 | $ 225,000 | $ 225,000 | $ 45,000 |
| Columbus, OH | 1 | $ 185,000 | $ 185,000 | $ 48,000 |
| Detroit-Dearborn-Livonia, MI | 1 | $ 185,000 | $ 185,000 | $ 52,000 |
| East Stroudsburg, PA | 1 | $ 155,000 | $ 155,000 | $ 73,000 |
| Fayetteville, NC | 1 | $ 65,000 | $ 65,000 | $ 49,000 |
| Hagerstown-Martinsburg, MD-WV | 1 | $ 225,000 | $ 225,000 | $ 50,000 |
| Hinesville, GA | 1 | $ 215,000 | $ 215,000 | $ 91,000 |
| Homosassa Springs, FL | 1 | $ 245,000 | $ 245,000 | $ 53,000 |
| Jacksonville, FL | 1 | $ 285,000 | $ 285,000 | $ 68,000 |
| Kalamazoo-Portage, MI | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Lake County-Kenosha County, IL-WI | 1 | $ 125,000 | $ 125,000 | $ 57,000 |
| Longview, WA | 1 | $ 305,000 | $ 305,000 | $ 100,000 |
| Madera, CA | 1 | $ 225,000 | $ 225,000 | $ 80,000 |
| McAllen-Edinburg-Mission, TX | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Modesto, CA | 1 | $ 265,000 | $ 265,000 | $ 73,000 |
| Montgomery County-Bucks County-Chester County, PA | 1 | $ 355,000 | $ 355,000 | $ 106,000 |
| Mount Vernon-Anacortes, WA | 1 | $ 245,000 | $ 245,000 | $ 48,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 1 | $ 135,000 | $ 135,000 | $ 31,000 |
| New Bern, NC | 1 | $ 455,000 | $ 455,000 | $ 79,000 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 155,000 | $ 155,000 | $ 243,000 |
| Norwich-New London, CT | 1 | $ 355,000 | $ 355,000 | $ 92,000 |
| Portland-South Portland, ME | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Prescott, AZ | 1 | $ 245,000 | $ 245,000 | $ 63,000 |
| Reading, PA | 1 | $ 385,000 | $ 385,000 | $ 107,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 1 | $ 335,000 | $ 335,000 | $ 47,000 |
| Santa Cruz-Watsonville, CA | 1 | $ 905,000 | $ 905,000 | $ 182,000 |
| Tyler, TX | 1 | $ 155,000 | $ 155,000 | $ 60,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 105,000 | $ 105,000 | $ 42,000 |
| Worcester, MA-CT | 1 | $ 245,000 | $ 245,000 | $ 0 |
Mortgage Loan Application Detail Totals for Interstate Home Loan Center, Inc. in 2018
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 | 746 | $253,230,000 | $339,000 | $1,605,000 | $107,000 | $1,083,000 |
| Refinancing | 376 | $122,330,000 | $325,000 | $1,205,000 | $93,000 | $748,000 |
| Cash-out Refinancing | 1 | $765,000 | $765,000 | $765,000 | $182,000 | $182,000 |
| 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 | 548 | $181,880,000 | $331,000 | $1,205,000 | $109,000 | $1,083,000 |
| Black or African American | 260 | $82,110,000 | $315,000 | $855,000 | $95,000 | $376,000 |
| Hispanic | 215 | $72,035,000 | $335,000 | $1,605,000 | $95,000 | $460,000 |
| Asian | 66 | $26,970,000 | $408,000 | $805,000 | $98,000 | $214,000 |
| Not Provided | 21 | $7,465,000 | $355,000 | $855,000 | $103,000 | $300,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $1,940,000 | $485,000 | $555,000 | $119,000 | $168,000 |
| Not applicable | 1 | $715,000 | $715,000 | $715,000 | $159,000 | $159,000 |
| 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) | 572 | $188,720,000 | $329,000 | $1,605,000 | $117,000 | $1,083,000 |
| FHA-insured (Federal Housing Administration) | 485 | $169,065,000 | $348,000 | $885,000 | $88,000 | $254,000 |
| VA-guaranteed (Veterans Administration) | 62 | $17,900,000 | $288,000 | $615,000 | $82,000 | $211,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $640,000 | $160,000 | $205,000 | $46,000 | $55,000 |
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 | 539 | $188,495,000 | $349,000 | $1,605,000 | $101,000 | $540,000 |
| Loan Originated | 439 | $138,375,000 | $315,000 | $905,000 | $106,000 | $767,000 |
| Application Denied By Financial Institution | 80 | $26,920,000 | $336,000 | $855,000 | $86,000 | $288,000 |
| Application Approved But Not Accepted | 35 | $12,665,000 | $361,000 | $995,000 | $117,000 | $1,083,000 |
| File Closed For Incompleteness | 30 | $9,870,000 | $329,000 | $555,000 | $87,000 | $246,000 |
| 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 | 1,043 | $349,405,000 | $335,000 | $1,605,000 | $104,000 | $1,083,000 |
| Debt-To-Income Ratio | 38 | $14,350,000 | $377,000 | $855,000 | $83,000 | $215,000 |
| Credit History | 16 | $4,230,000 | $264,000 | $455,000 | $69,000 | $138,000 |
| Collateral | 8 | $3,010,000 | $376,000 | $825,000 | $101,000 | $171,000 |
| Credit Application Incomplete | 7 | $1,735,000 | $247,000 | $605,000 | $130,000 | $288,000 |
| Employment History | 6 | $1,370,000 | $228,000 | $325,000 | $76,000 | $146,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $1,745,000 | $581,000 | $645,000 | $112,000 | $121,000 |
| Other | 1 | $175,000 | $175,000 | $175,000 | $68,000 | $68,000 |
| Unverifiable Information | 1 | $305,000 | $305,000 | $305,000 | $58,000 | $58,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Interstate Home Loan Center, Inc.'s 2018 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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