Applications / Mortgage Analytics / Lenders / New York / Interstate Home Loan Center
Melville, NY · Independent non-bank lender · CFPB · 778 loans in 2025
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778
loans originated, 2025
1,161
applications, 2025
21
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Interstate Home Loan Center, a non-bank lender in Melville, New York, more than doubled its lending in 2025, growing faster than almost every similar lender.
Its loans rose 165% to 778, against 2% for the typical similar lender, here an independent lender making between half and twice as many loans, and 10% for the whole market. It had made between 218 and 294 loans a year from 2022 to 2024. In 2025 it first lent in several new markets, among them York-Hanover, Manchester-Nashua and Spartanburg.
Its typical loan was $525,000, against $325,000 at peers, larger than at about nineteen in twenty of them. Conventional loans made up 82.0% of its lending, against 67.5% at peers. Home purchases were 80.6% of its loans.
Low- and moderate-income (LMI) neighborhoods took 27.2% of its loans, against 18.1% at the typical peer, a higher share than nearly nine in ten of them. LMI borrowers took 33.6%, up from 25.4% in 2024. Majority-minority neighborhoods took 42.7%, against 25.0% at peers.
New York is its main state. In New York-Newark-Jersey City, where it has lent since 1996, it ranks 87 of 802 lenders. It now lends in 21 states.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Interstate Home Loan Center took 1,161 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 80.6% · Refinance 19.4%
Conventional 82.0% · FHA 16.6% · VA 1.4% · of 778 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| New York | 609 | 78.3% |
| Florida | 41 | 5.3% |
| Connecticut | 32 | 4.1% |
| New Jersey | 25 | 3.2% |
| California | 16 | 2.1% |
| Pennsylvania | 16 | 2.1% |
| North Carolina | 8 | 1.0% |
| South Carolina | 5 | 0.6% |
| Tennessee | 4 | 0.5% |
| Illinois | 3 | 0.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Nassau County-Suffolk County | 465 |
| New York-Jersey City-White Plains | 109 |
| Kiryas Joel-Poughkeepsie-Newburgh | 20 |
| New Haven | 16 |
| Los Angeles-Long Beach-Glendale | 13 |
| Bridgeport-Stamford-Danbury | 8 |
| Tampa | 8 |
| Hartford-West Hartford-East Hartford | 7 |
| Orlando-Kissimmee-Sanford | 7 |
| Fort Lauderdale-Pompano Beach-Sunrise | 6 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493003X6Y6JGJKHPA25 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3872299 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7113217224 | |
| Respondent ID (the HMDA filer code before 2018) | 77145700006 | 1996–2014 |
Established 8 June 1994. Reported under HMDA 1996-2025.
Mergers, name changes, data editions and corrections: Interstate Home Loan Center's data.
Interstate Home Loan Center's data
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Interstate Home Loan Center and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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