Interstate Home Loan Center at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
72nd5.2% deniedPricingmedian rate spread over APOR, weight 30%
28th0.51 ptsProcesswithdrawn + incomplete share, weight 15%
6th29.1%Closing coststotal loan costs ÷ loan amount, weight 10%
18th3.03% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 383 | 220 | 6.5% | 9.9% | 6.88% | $93M |
| 2024 | 420 | 294 | 3.3% | 4.5% | 6.88% | $151M |
| 2025 | 1,161 | 778 | 3.7% | 5.2% | 6.75% | $427M |
What Interstate Home Loan Center lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 1 home-equity lines, 0 reverse mortgages, 4 manufactured homes, 295 investment properties.
Why Interstate Home Loan Center denies applications
Primary reason reported for each of the 43 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Interstate Home Loan Center
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 175 | 101 | 1.9% |
| $50k – $100k | 154 | 95 | 13.6% |
| $100k – $150k | 295 | 212 | 5.3% |
| $150k – $250k | 350 | 253 | 4.2% |
| Over $250k | 141 | 95 | 2.1% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 22 | 15 | 0.0% |
| 25–34 | 302 | 221 | 4.3% |
| 35–44 | 358 | 233 | 5.7% |
| 45–54 | 244 | 167 | 5.1% |
| 55–64 | 156 | 96 | 5.8% |
| 65–74 | 55 | 30 | 6.3% |
| Over 74 | 24 | 16 | 11.1% |
Where Interstate Home Loan Center lends
24 states and 139 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| New York | 875 | 609 | 3.1% | 6.75% | #102 |
| Florida | 73 | 41 | 9.6% | 7.00% | #542 |
| Connecticut | 50 | 32 | 6.0% | 6.75% | #219 |
| New Jersey | 47 | 25 | 4.3% | 6.88% | #370 |
| Pennsylvania | 25 | 16 | 4.0% | 7.50% | #573 |
| California | 23 | 16 | 0.0% | 7.00% | #623 |
| South Carolina | 11 | 5 | 0.0% | 6.75% | #521 |
| North Carolina | 8 | 8 | 0.0% | 7.18% | #665 |
| Tennessee | 7 | 4 | 14.3% | 6.93% | #692 |
| Texas | 6 | 3 | 16.7% | 6.99% | #1,059 |
| Maryland | 5 | 3 | 0.0% | 6.88% | #534 |
Frequently asked questions
Interstate Home Loan Center denied 5.2% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 72nd percentile of small mortgage lenders.
The most common reason Interstate Home Loan Center gave in 2025 was "debt-to-income ratio", cited on 41.9% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Interstate Home Loan Center originated in 2025 was 6.75%, and its median rate spread over the average prime offer rate was 0.51 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 74% of its applications were for home purchases, 26% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 83% conventional, 16% FHA, 1% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.