Interstate Home Loans NMLS #56315
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At a glance
- Size778 home loans closed in 2025
- Loan typesConventional and FHA
2025 figures are for INTERSTATE HOME LOAN CENTER, INC.'s filing.
What it closes
Share of its 2025 home loans: 82% Conventional, 17% FHA and 1% Other types.
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Who is Interstate Home Loans?
Interstate Home Loans is a brand of Interstate Home Loan Center, Inc. (NMLS #56315), which is a lender listed in the NMLS registry. FreeRateUpdate publishes this review alongside current mortgage rates, a rate finder, and mortgage calculators.
Key Facts
- Lender or brokerInterstate Home Loans
- Brand ofInterstate Home Loan Center, Inc., NMLS #56315
- NMLS #56315
- Profile updated
- Biography reviewed byPaige Sutton, NMLS #1888684 ()
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About Interstate Home Loans
Overview
Interstate Home Loan Center, Inc. is a mortgage lender headquartered in Melville, New York. The company works in home financing, including purchase and refinance lending.
Mortgage options
In 2025 it made conventional, FHA and VA loans. Its loans that year were for home purchases, refinances and cash-out refinances. It also offers home equity loans and works with veterans and military borrowers and with homeowners refinancing FHA loans.
Locations
Interstate Home Loan Center, Inc. has eight branches across Arizona, California, Florida, New York and Pennsylvania.
Company details and licensing
Interstate Home Loan Center, Inc. is a New York corporation formed on June 8, 1994. Its trade names include myequityloan.com, Interstate Faith Home Lending and Interstate Mortgage, Inc. Its NMLS company ID is 56315.
Interstate Home Loan Center, Inc. is licensed in Alabama, Arizona, California, Colorado, Connecticut, the District of Columbia, Florida, Georgia, Iowa, Illinois, Massachusetts, Maryland, Maine, Michigan, North Carolina, New Hampshire, New Jersey, New York, Ohio, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Washington and Wisconsin.
Verify NMLS #56315 on NMLS Consumer Access
Sources
Sources last checked . These are the outside records this profile was written from. FreeRateUpdate is not affiliated with them, and they have not reviewed, endorsed, or approved FreeRateUpdate or this page.
Formation date and trade names come from NMLS registry records. FreeRateUpdate is not affiliated with NMLS, and NMLS has not reviewed, endorsed, or approved FreeRateUpdate or this page.
Additional information
Reported application outcomes and pricing, 2025
- Filed asINTERSTATE HOME LOAN CENTER, INC.
- 2025 home loan decisionsOf 823 applications decided by INTERSTATE HOME LOAN CENTER, INC. in 2025, 778 were originated, 2 were approved but not accepted by the borrower, and 43 were denied.
- Approval rate: approved (originated plus approved but not accepted) as a share of applications decided (approved plus denied) = 94.8%. Withdrawn, incomplete and purchased loans are not counted.
- Withdrawn, incomplete and purchasedBeyond the decisions above, 173 applications were withdrawn by the borrower, 165 were closed for incompleteness, and 0 loans were purchased from another lender. HMDA counts these as outcomes in their own right — withdrawn before a decision, closed with no decision reached, and a purchased loan is one bought from another lender — and none of them is a lending decision.
- Median rate spread0.508 percentage points above the average prime offer rate (reported on 602 originations, 176 reported no spread at all — a median of what was reported, not of everything originated)
These are reported outcomes from past applications, and on their own they do not show how this lender treated any borrower.
Reported closing costs, 2025
- Median total loan costs$15,905.42 — originated closed-end household loans, 2025, 599 of 692 loans. FFIEC HMDA data browser.
- Median origination charges$8,742.15 — originated closed-end household loans, 2025, 600 of 692 loans. FFIEC HMDA data browser.
- About these figuresThese are historical closing costs reported in the 2025 filing, not a quote for your loan.
Reported product mix, 2025
- Loan types638 Conventional, 129 FHA, 11 VA — of 778 reported originations, 2025. FFIEC HMDA data browser.
Evidence read October 20, 2026
Source: FFIEC HMDA data browser, 2025 filing. Historical HMDA-reported application outcomes and pricing fields for INTERSTATE HOME LOAN CENTER, INC. — historical outcomes for the applications it decided. This is not a statement of any consumer's likelihood of approval and not a current rate quote.
Frequently Asked Questions
What is Interstate Home Loans's NMLS number?
Interstate Home Loans's NMLS number is 56315. You can look up its license status on NMLS Consumer Access, at nmlsconsumeraccess.org.
Where can I learn more about Interstate Home Loans?
This page has Interstate Home Loans's NMLS registration and company facts, with links to the records they come from where we have them. For its license status in a particular state, check NMLS Consumer Access.