Interstate Home Loan Center, Inc. Mortgage Lending & HMDA Data, 2021
In 2021, Interstate Home Loan Center, Inc. of Melville, NY reported 948 mortgage applications totaling $347.5 million, down 11% from 2020. The average application was for $366,540, and applicants reported an average income of $133,778. 54% of its applications resulted in an originated loan and 1% were denied. Its largest markets were Nassau County-Suffolk County, NY (357), New York-Jersey City-White Plains, NY-NJ (156) and New York-Newark, NY (52) (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 | 948 |
| Total Mortgage Loan Application Amount | $347,480,000 |
| Average Mortgage Loan Application Amount | $366,540 |
| Highest Mortgage Loan Application Amount | $1,695,000 |
| Average Applicant Income | $133,778 |
| Highest Applicant Income | $1,976,000 |
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Interstate Home Loan Center, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 357 | $ 146,575,000 | $ 410,574 | $ 147,000 |
| New York-Jersey City-White Plains, NY-NJ | 156 | $ 65,660,000 | $ 420,897 | $ 132,846 |
| New York-Newark, NY | 52 | $ 17,770,000 | $ 341,730 | $ 149,692 |
| Orlando-Kissimmee-Sanford, FL | 39 | $ 10,735,000 | $ 275,256 | $ 114,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 27 | $ 8,505,000 | $ 315,000 | $ 106,000 |
| Miami-Miami Beach-Kendall, FL | 22 | $ 7,130,000 | $ 324,090 | $ 112,000 |
| Tampa-St. Petersburg-Clearwater, FL | 22 | $ 6,430,000 | $ 292,272 | $ 127,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 19 | $ 6,575,000 | $ 346,052 | $ 175,000 |
| Newark, NJ-PA | 18 | $ 6,900,000 | $ 383,333 | $ 150,000 |
| Hartford-West Hartford-East Hartford, CT | 16 | $ 3,420,000 | $ 213,750 | $ 54,000 |
| Charlotte-Concord-Gastonia, NC-SC | 15 | $ 4,235,000 | $ 282,333 | $ 108,000 |
| Jacksonville, FL | 14 | $ 4,310,000 | $ 307,857 | $ 92,000 |
| Outside any metro area | 14 | $ 4,450,000 | $ 317,857 | $ 147,642 |
| Raleigh, NC | 13 | $ 4,155,000 | $ 319,615 | $ 127,000 |
| Cape Coral-Fort Myers, FL | 11 | $ 3,265,000 | $ 296,818 | $ 118,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 9 | $ 2,595,000 | $ 288,333 | $ 79,000 |
| New Haven-Milford, CT | 9 | $ 2,125,000 | $ 236,111 | $ 52,000 |
| Asheville, NC | 8 | $ 2,930,000 | $ 366,250 | $ 135,000 |
| Atlanta-Sandy Springs-Roswell, GA | 8 | $ 2,640,000 | $ 330,000 | $ 159,000 |
| Camden, NJ | 6 | $ 1,710,000 | $ 285,000 | $ 151,000 |
| Los Angeles-Long Beach-Glendale, CA | 6 | $ 3,340,000 | $ 556,666 | $ 126,000 |
| North Port-Sarasota-Bradenton, FL | 6 | $ 2,080,000 | $ 346,666 | $ 90,000 |
| Syracuse, NY | 6 | $ 1,520,000 | $ 253,333 | $ 139,000 |
| Chicago-Naperville, IL | 5 | $ 665,000 | $ 133,000 | $ 111,000 |
| Montgomery County-Bucks County-Chester County, PA | 5 | $ 1,485,000 | $ 297,000 | $ 148,000 |
| Phoenix-Mesa-Scottsdale, AZ | 5 | $ 1,795,000 | $ 359,000 | $ 106,000 |
| Port St. Lucie, FL | 5 | $ 1,615,000 | $ 323,000 | $ 97,000 |
| Wilmington, NC | 5 | $ 1,535,000 | $ 307,000 | $ 108,000 |
| Albany-Schenectady-Troy, NY | 4 | $ 920,000 | $ 230,000 | $ 105,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 4 | $ 1,050,000 | $ 262,500 | $ 106,000 |
| Durham-Chapel Hill, NC | 4 | $ 1,600,000 | $ 400,000 | $ 198,000 |
| Naples-Immokalee-Marco Island, FL | 4 | $ 1,420,000 | $ 355,000 | $ 86,000 |
| Palm Bay-Melbourne-Titusville, FL | 4 | $ 1,230,000 | $ 307,500 | $ 76,000 |
| Columbia, SC | 3 | $ 675,000 | $ 225,000 | $ 95,000 |
| Greensboro-High Point, NC | 3 | $ 715,000 | $ 238,333 | $ 106,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 3 | $ 685,000 | $ 228,333 | $ 81,000 |
| Winston-Salem, NC | 3 | $ 975,000 | $ 325,000 | $ 127,000 |
| Bridgeport-Stamford-Norwalk, CT | 2 | $ 790,000 | $ 395,000 | $ 127,000 |
| Elgin, IL | 2 | $ 410,000 | $ 205,000 | $ 66,000 |
| Kingston, NY | 2 | $ 1,060,000 | $ 530,000 | $ 225,000 |
| Lakeland-Winter Haven, FL | 2 | $ 650,000 | $ 325,000 | $ 147,000 |
| Ocala, FL | 2 | $ 780,000 | $ 390,000 | $ 199,000 |
| Pensacola-Ferry Pass-Brent, FL | 2 | $ 520,000 | $ 260,000 | $ 83,000 |
| Providence-Warwick, RI-MA | 2 | $ 700,000 | $ 350,000 | $ 161,000 |
| Trenton, NJ | 2 | $ 520,000 | $ 260,000 | $ 258,000 |
| Athens-Clarke County, GA | 1 | $ 485,000 | $ 485,000 | $ 165,000 |
| Binghamton, NY | 1 | $ 245,000 | $ 245,000 | $ 300,000 |
| Charleston-North Charleston, SC | 1 | $ 265,000 | $ 265,000 | $ 59,000 |
| Colorado Springs, CO | 1 | $ 335,000 | $ 335,000 | $ 107,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 265,000 | $ 265,000 | $ 112,000 |
| Dallas-Plano-Irving, TX | 1 | $ 365,000 | $ 365,000 | $ 129,000 |
| Des Moines-West Des Moines, IA | 1 | $ 145,000 | $ 145,000 | $ 38,000 |
| East Stroudsburg, PA | 1 | $ 75,000 | $ 75,000 | $ 114,000 |
| Gainesville, FL | 1 | $ 105,000 | $ 105,000 | $ 296,000 |
| Homosassa Springs, FL | 1 | $ 435,000 | $ 435,000 | $ 185,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 205,000 | $ 205,000 | $ 308,000 |
| Lancaster, PA | 1 | $ 255,000 | $ 255,000 | $ 101,000 |
| Norwich-New London, CT | 1 | $ 275,000 | $ 275,000 | $ 69,000 |
| Panama City, FL | 1 | $ 345,000 | $ 345,000 | $ 110,000 |
| Punta Gorda, FL | 1 | $ 345,000 | $ 345,000 | $ 88,000 |
| Rochester, NY | 1 | $ 155,000 | $ 155,000 | $ 84,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 1 | $ 495,000 | $ 495,000 | $ 250,000 |
| Tallahassee, FL | 1 | $ 335,000 | $ 335,000 | $ 77,000 |
| The Villages, FL | 1 | $ 205,000 | $ 205,000 | $ 75,000 |
| Utica-Rome, NY | 1 | $ 265,000 | $ 265,000 | $ 65,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1 | $ 695,000 | $ 695,000 | $ 280,000 |
| Washington-Baltimore-Arlington, DC | 1 | $ 335,000 | $ 335,000 | $ 92,000 |
Mortgage Loan Application Detail Totals for Interstate Home Loan Center, Inc. in 2021
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 |
|---|---|---|---|---|---|---|
| Refinancing | 447 | $156,755,000 | $350,000 | $765,000 | $126,000 | $948,000 |
| Cash-out Refinancing | 293 | $108,735,000 | $371,000 | $1,525,000 | $132,000 | $867,000 |
| Home Purchase | 208 | $81,990,000 | $394,000 | $1,695,000 | $153,000 | $1,976,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
| Home Improvement | 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 | 577 | $211,645,000 | $366,000 | $1,695,000 | $145,000 | $1,976,000 |
| Hispanic | 164 | $55,570,000 | $338,000 | $765,000 | $96,000 | $320,000 |
| Black or African American | 124 | $45,800,000 | $369,000 | $1,275,000 | $120,000 | $832,000 |
| Asian | 72 | $30,520,000 | $423,000 | $805,000 | $145,000 | $480,000 |
| Not Provided | 11 | $3,945,000 | $358,000 | $785,000 | $219,000 | $867,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 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) | 808 | $297,240,000 | $367,000 | $1,695,000 | $143,000 | $1,976,000 |
| FHA-insured (Federal Housing Administration) | 133 | $47,745,000 | $358,000 | $825,000 | $84,000 | $280,000 |
| VA-guaranteed (Veterans Administration) | 7 | $2,495,000 | $356,000 | $545,000 | $101,000 | $174,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
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 |
|---|---|---|---|---|---|---|
| Loan Originated | 513 | $190,865,000 | $372,000 | $1,695,000 | $140,000 | $1,976,000 |
| Application Withdrawn By Applicant | 391 | $141,825,000 | $362,000 | $1,525,000 | $130,000 | $948,000 |
| File Closed For Incompleteness | 31 | $10,565,000 | $340,000 | $675,000 | $106,000 | $310,000 |
| Application Denied By Financial Institution | 12 | $3,530,000 | $294,000 | $795,000 | $96,000 | $224,000 |
| Application Approved But Not Accepted | 1 | $695,000 | $695,000 | $695,000 | $151,000 | $151,000 |
| 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 | 936 | $343,950,000 | $367,000 | $1,695,000 | $134,000 | $1,976,000 |
| Debt-To-Income Ratio | 8 | $2,510,000 | $313,000 | $795,000 | $95,000 | $224,000 |
| Collateral | 2 | $380,000 | $190,000 | $215,000 | $66,000 | $72,000 |
| Credit History | 2 | $640,000 | $320,000 | $365,000 | $134,000 | $191,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Interstate Home Loan Center, Inc.'s 2021 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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