Semper Home Loans, Inc
HMDA Loan Application Totals
and Mortgage Lending Details
for 2012
Semper Home Loans, Inc 2012 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Semper Home Loans, Inc 225 Dupont Drive Wilmington, DE 02907 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 |
| Total Number of Mortgage Applications | 665 |
| Total Mortgage Loan Application Amount | $151,242,000 |
| Average Mortgage Loan Application Amount | $224,500 |
| Highest Mortgage Loan Application Amount | $743,000 |
| Average Applicant Income | $71,500 |
| Highest Applicant Income | $886,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2012 with Semper Home Loans, Inc. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Semper Home Loans, Inc's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2012 breaks down Semper Home Loans, Inc's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Semper Home Loans, Inc serves its applicants.
Each category highlights the total number of mortgage applications processed by Semper Home Loans, Inc, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Semper Home Loans, Inc's mortgage activity for 2012.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Providence County Rhode Island | 53 | $ 10,288,000 | $ 194,000 | $ 63,000 |
| Westchester County New York | 32 | $ 10,359,000 | $ 323,000 | $ 103,000 |
| Carroll County Maryland | 20 | $ 4,953,000 | $ 247,000 | $ 97,000 |
| Queens County New York | 19 | $ 6,140,000 | $ 323,000 | $ 63,000 |
| Passaic County New Jersey | 17 | $ 3,452,000 | $ 203,000 | $ 58,000 |
| Kings County New York | 16 | $ 5,206,000 | $ 325,000 | $ 90,000 |
| Bergen County New Jersey | 15 | $ 3,605,000 | $ 240,000 | $ 57,000 |
| Ocean County New Jersey | 15 | $ 2,572,000 | $ 171,000 | $ 52,000 |
| Blair County Pennsylvania | 15 | $ 2,074,000 | $ 138,000 | $ 59,000 |
| Essex County New Jersey | 14 | $ 3,133,000 | $ 223,000 | $ 66,000 |
| Suffolk County New York | 13 | $ 4,539,000 | $ 349,000 | $ 116,000 |
| Hudson County New Jersey | 11 | $ 2,804,000 | $ 254,000 | $ 95,000 |
| Baltimore City County Maryland | 9 | $ 1,926,000 | $ 214,000 | $ 74,000 |
| Bronx County New York | 9 | $ 2,852,000 | $ 316,000 | $ 73,000 |
| Mecklenburg County North Carolina | 9 | $ 1,974,000 | $ 219,000 | $ 72,000 |
| Suffolk County Massachusetts | 8 | $ 2,326,000 | $ 290,000 | $ 82,000 |
| Kent County Rhode Island | 8 | $ 1,298,000 | $ 162,000 | $ 68,000 |
| Morris County New Jersey | 7 | $ 2,470,000 | $ 352,000 | $ 108,000 |
| Orange County New York | 7 | $ 1,721,000 | $ 245,000 | $ 47,000 |
| Montgomery County Pennsylvania | 7 | $ 1,361,000 | $ 194,000 | $ 65,000 |
| Lancaster County South Carolina | 7 | $ 1,828,000 | $ 261,000 | $ 119,000 |
| Hartford County Connecticut | 6 | $ 1,144,000 | $ 190,000 | $ 72,000 |
| Henry County Georgia | 6 | $ 733,000 | $ 122,000 | $ 42,000 |
| Baltimore County Maryland | 6 | $ 1,034,000 | $ 172,000 | $ 88,000 |
| Monmouth County New Jersey | 6 | $ 1,743,000 | $ 290,000 | $ 73,000 |
| Chester County Pennsylvania | 6 | $ 1,497,000 | $ 249,000 | $ 94,000 |
| New Haven County Connecticut | 5 | $ 1,045,000 | $ 209,000 | $ 27,000 |
| DeKalb County Georgia | 5 | $ 763,000 | $ 152,000 | $ 50,000 |
| Prince George's County Maryland | 5 | $ 664,000 | $ 132,000 | $ 67,000 |
| Bristol County Massachusetts | 5 | $ 1,366,000 | $ 273,000 | $ 99,000 |
| Worcester County Massachusetts | 5 | $ 1,349,000 | $ 269,000 | $ 67,000 |
| Union County New Jersey | 5 | $ 1,444,000 | $ 288,000 | $ 59,000 |
| Nassau County New York | 5 | $ 1,822,000 | $ 364,000 | $ 123,000 |
| Gaston County North Carolina | 5 | $ 727,000 | $ 145,000 | $ 48,000 |
| Fairfield County Connecticut | 4 | $ 1,682,000 | $ 420,000 | $ 132,000 |
| Cobb County Georgia | 4 | $ 737,000 | $ 184,000 | $ 51,000 |
| Columbia County Georgia | 4 | $ 899,000 | $ 224,000 | $ 21,000 |
| Fulton County Georgia | 4 | $ 957,000 | $ 239,000 | $ 54,000 |
| Ouachita County Louisiana | 4 | $ 609,000 | $ 152,000 | $ 57,000 |
| Essex County Massachusetts | 4 | $ 1,017,000 | $ 254,000 | $ 74,000 |
| Dutchess County New York | 4 | $ 1,030,000 | $ 257,000 | $ 27,000 |
| Wake County North Carolina | 4 | $ 1,172,000 | $ 293,000 | $ 67,000 |
| Huntingdon County Pennsylvania | 4 | $ 497,000 | $ 124,000 | $ 63,000 |
| Philadelphia County Pennsylvania | 4 | $ 595,000 | $ 148,000 | $ 27,000 |
| Newport County Rhode Island | 4 | $ 1,169,000 | $ 292,000 | $ 114,000 |
| Washington County Rhode Island | 4 | $ 1,126,000 | $ 281,000 | $ 153,000 |
| Cherokee County Georgia | 3 | $ 493,000 | $ 164,000 | $ 48,000 |
| Gwinnett County Georgia | 3 | $ 556,000 | $ 185,000 | $ 63,000 |
| Howard County Maryland | 3 | $ 795,000 | $ 265,000 | $ 105,000 |
| Middlesex County Massachusetts | 3 | $ 711,000 | $ 237,000 | $ 95,000 |
| Norfolk County Massachusetts | 3 | $ 1,305,000 | $ 435,000 | $ 89,000 |
| Plymouth County Massachusetts | 3 | $ 795,000 | $ 265,000 | $ 64,000 |
| Middlesex County New Jersey | 3 | $ 527,000 | $ 175,000 | $ 48,000 |
| Putnam County New York | 3 | $ 1,136,000 | $ 378,000 | $ 177,000 |
| Richmond County New York | 3 | $ 1,215,000 | $ 405,000 | $ 99,000 |
| Fairfax County Virginia | 3 | $ 751,000 | $ 250,000 | $ 98,000 |
| Prince William County Virginia | 3 | $ 563,000 | $ 187,000 | $ 31,000 |
| Alameda County California | 2 | $ 884,000 | $ 442,000 | $ 109,000 |
| Los Angeles County California | 2 | $ 336,000 | $ 168,000 | $ 79,000 |
| San Diego County California | 2 | $ 505,000 | $ 252,000 | $ 46,000 |
| Litchfield County Connecticut | 2 | $ 384,000 | $ 192,000 | $ 21,000 |
| New London County Connecticut | 2 | $ 453,000 | $ 226,000 | $ 55,000 |
| Windham County Connecticut | 2 | $ 385,000 | $ 192,000 | $ 55,000 |
| District of Columbia County District Of Columbia | 2 | $ 295,000 | $ 147,000 | $ 61,000 |
| Broward County Florida | 2 | $ 317,000 | $ 158,000 | $ 57,000 |
| Manatee County Florida | 2 | $ 158,000 | $ 79,000 | $ 52,000 |
| Douglas County Georgia | 2 | $ 280,000 | $ 140,000 | $ 48,000 |
| Walton County Georgia | 2 | $ 404,000 | $ 202,000 | $ 84,000 |
| East Baton Rouge County Louisiana | 2 | $ 507,000 | $ 253,000 | $ 173,000 |
| Harford County Maryland | 2 | $ 571,000 | $ 285,000 | $ 102,000 |
| Camden County New Jersey | 2 | $ 316,000 | $ 158,000 | $ 35,000 |
| Gloucester County New Jersey | 2 | $ 363,000 | $ 181,000 | $ 0 |
| Mercer County New Jersey | 2 | $ 645,000 | $ 322,000 | $ 62,000 |
| Somerset County New Jersey | 2 | $ 403,000 | $ 201,000 | $ 59,000 |
| Sussex County New Jersey | 2 | $ 587,000 | $ 293,000 | $ 107,000 |
| Albany County New York | 2 | $ 368,000 | $ 184,000 | $ 0 |
| Erie County New York | 2 | $ 347,000 | $ 173,000 | $ 61,000 |
| Jefferson County New York | 2 | $ 278,000 | $ 139,000 | $ 88,000 |
| Rockland County New York | 2 | $ 312,000 | $ 156,000 | $ 49,000 |
| Ulster County New York | 2 | $ 407,000 | $ 203,000 | $ 106,000 |
| Catawba County North Carolina | 2 | $ 269,000 | $ 134,000 | $ 57,000 |
| Cumberland County North Carolina | 2 | $ 306,000 | $ 153,000 | $ 42,000 |
| Forsyth County North Carolina | 2 | $ 215,000 | $ 107,000 | $ 15,000 |
| Iredell County North Carolina | 2 | $ 533,000 | $ 266,000 | $ 69,000 |
| Moore County North Carolina | 2 | $ 233,000 | $ 116,000 | $ 48,000 |
| Orange County North Carolina | 2 | $ 427,000 | $ 213,000 | $ 0 |
| Oklahoma County Oklahoma | 2 | $ 276,000 | $ 138,000 | $ 40,000 |
| Adams County Pennsylvania | 2 | $ 308,000 | $ 154,000 | $ 59,000 |
| Bucks County Pennsylvania | 2 | $ 542,000 | $ 271,000 | $ 117,000 |
| Cambria County Pennsylvania | 2 | $ 293,000 | $ 146,000 | $ 97,000 |
| Centre County Pennsylvania | 2 | $ 192,000 | $ 96,000 | $ 32,000 |
| Clearfield County Pennsylvania | 2 | $ 252,000 | $ 126,000 | $ 43,000 |
| Cumberland County Pennsylvania | 2 | $ 400,000 | $ 200,000 | $ 69,000 |
| Juniata County Pennsylvania | 2 | $ 217,000 | $ 108,000 | $ 46,000 |
| Lancaster County Pennsylvania | 2 | $ 443,000 | $ 221,000 | $ 31,000 |
| Lehigh County Pennsylvania | 2 | $ 398,000 | $ 199,000 | $ 0 |
| Mifflin County Pennsylvania | 2 | $ 148,000 | $ 74,000 | $ 32,000 |
| Northampton County Pennsylvania | 2 | $ 291,000 | $ 145,000 | $ 118,000 |
| Westmoreland County Pennsylvania | 2 | $ 258,000 | $ 129,000 | $ 48,000 |
| Bristol County Rhode Island | 2 | $ 717,000 | $ 358,000 | $ 112,000 |
| York County South Carolina | 2 | $ 401,000 | $ 200,000 | $ 115,000 |
| Chesapeake County Virginia | 2 | $ 329,000 | $ 164,000 | $ 16,000 |
| King County Washington | 2 | $ 679,000 | $ 339,000 | $ 58,000 |
| Baldwin County Alabama | 1 | $ 100,000 | $ 100,000 | $ 51,000 |
| Madison County Alabama | 1 | $ 138,000 | $ 138,000 | $ 31,000 |
| Mobile County Alabama | 1 | $ 141,000 | $ 141,000 | $ 60,000 |
| Morgan County Alabama | 1 | $ 154,000 | $ 154,000 | $ 49,000 |
| Shelby County Alabama | 1 | $ 220,000 | $ 220,000 | $ 72,000 |
| Butte County California | 1 | $ 141,000 | $ 141,000 | $ 0 |
| Contra Costa County California | 1 | $ 479,000 | $ 479,000 | $ 0 |
| San Bernardino County California | 1 | $ 289,000 | $ 289,000 | $ 0 |
| San Francisco County California | 1 | $ 725,000 | $ 725,000 | $ 175,000 |
| San Luis Obispo County California | 1 | $ 250,000 | $ 250,000 | $ 48,000 |
| Santa Clara County California | 1 | $ 408,000 | $ 408,000 | $ 144,000 |
| Tulare County California | 1 | $ 262,000 | $ 262,000 | $ 0 |
| Adams County Colorado | 1 | $ 249,000 | $ 249,000 | $ 0 |
| El Paso County Colorado | 1 | $ 132,000 | $ 132,000 | $ 58,000 |
| Tolland County Connecticut | 1 | $ 200,000 | $ 200,000 | $ 35,000 |
| Miami-Dade County Florida | 1 | $ 214,000 | $ 214,000 | $ 74,000 |
| Butts County Georgia | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Clarke County Georgia | 1 | $ 245,000 | $ 245,000 | $ 206,000 |
| Coweta County Georgia | 1 | $ 246,000 | $ 246,000 | $ 0 |
| Dade County Georgia | 1 | $ 119,000 | $ 119,000 | $ 45,000 |
| Effingham County Georgia | 1 | $ 146,000 | $ 146,000 | $ 0 |
| Fayette County Georgia | 1 | $ 165,000 | $ 165,000 | $ 50,000 |
| Forsyth County Georgia | 1 | $ 162,000 | $ 162,000 | $ 38,000 |
| Houston County Georgia | 1 | $ 114,000 | $ 114,000 | $ 0 |
| Liberty County Georgia | 1 | $ 160,000 | $ 160,000 | $ 50,000 |
| Muscogee County Georgia | 1 | $ 130,000 | $ 130,000 | $ 34,000 |
| Franklin County Idaho | 1 | $ 313,000 | $ 313,000 | $ 154,000 |
| Delaware County Indiana | 1 | $ 68,000 | $ 68,000 | $ 25,000 |
| Hamilton County Indiana | 1 | $ 114,000 | $ 114,000 | $ 26,000 |
| Acadia County Louisiana | 1 | $ 117,000 | $ 117,000 | $ 63,000 |
| Bossier County Louisiana | 1 | $ 167,000 | $ 167,000 | $ 47,000 |
| Franklin County Louisiana | 1 | $ 261,000 | $ 261,000 | $ 120,000 |
| Lafayette County Louisiana | 1 | $ 221,000 | $ 221,000 | $ 95,000 |
| Natchitoches County Louisiana | 1 | $ 175,000 | $ 175,000 | $ 55,000 |
| Orleans County Louisiana | 1 | $ 282,000 | $ 282,000 | $ 67,000 |
| St. Landry County Louisiana | 1 | $ 80,000 | $ 80,000 | $ 85,000 |
| Union County Louisiana | 1 | $ 50,000 | $ 50,000 | $ 23,000 |
| Calvert County Maryland | 1 | $ 279,000 | $ 279,000 | $ 62,000 |
| Garrett County Maryland | 1 | $ 377,000 | $ 377,000 | $ 886,000 |
| Worcester County Maryland | 1 | $ 241,000 | $ 241,000 | $ 75,000 |
| Barnstable County Massachusetts | 1 | $ 471,000 | $ 471,000 | $ 149,000 |
| Berkshire County Massachusetts | 1 | $ 345,000 | $ 345,000 | $ 92,000 |
| Hampden County Massachusetts | 1 | $ 179,000 | $ 179,000 | $ 0 |
| Hampshire County Massachusetts | 1 | $ 240,000 | $ 240,000 | $ 64,000 |
| Hillsborough County New Hampshire | 1 | $ 192,000 | $ 192,000 | $ 62,000 |
| Atlantic County New Jersey | 1 | $ 183,000 | $ 183,000 | $ 0 |
| Burlington County New Jersey | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Cumberland County New Jersey | 1 | $ 161,000 | $ 161,000 | $ 69,000 |
| Broome County New York | 1 | $ 191,000 | $ 191,000 | $ 157,000 |
| Clinton County New York | 1 | $ 126,000 | $ 126,000 | $ 0 |
| Cortland County New York | 1 | $ 103,000 | $ 103,000 | $ 82,000 |
| Franklin County New York | 1 | $ 124,000 | $ 124,000 | $ 0 |
| New York County New York | 1 | $ 417,000 | $ 417,000 | $ 101,000 |
| Onondaga County New York | 1 | $ 133,000 | $ 133,000 | $ 0 |
| Oswego County New York | 1 | $ 138,000 | $ 138,000 | $ 75,000 |
| Rensselaer County New York | 1 | $ 201,000 | $ 201,000 | $ 0 |
| Yates County New York | 1 | $ 150,000 | $ 150,000 | $ 0 |
| Ashe County North Carolina | 1 | $ 143,000 | $ 143,000 | $ 49,000 |
| Buncombe County North Carolina | 1 | $ 150,000 | $ 150,000 | $ 31,000 |
| Dare County North Carolina | 1 | $ 156,000 | $ 156,000 | $ 59,000 |
| Davidson County North Carolina | 1 | $ 126,000 | $ 126,000 | $ 0 |
| Granville County North Carolina | 1 | $ 220,000 | $ 220,000 | $ 79,000 |
| Guilford County North Carolina | 1 | $ 239,000 | $ 239,000 | $ 0 |
| Lincoln County North Carolina | 1 | $ 115,000 | $ 115,000 | $ 0 |
| New Hanover County North Carolina | 1 | $ 125,000 | $ 125,000 | $ 24,000 |
| Robeson County North Carolina | 1 | $ 118,000 | $ 118,000 | $ 67,000 |
| Rowan County North Carolina | 1 | $ 159,000 | $ 159,000 | $ 82,000 |
| Surry County North Carolina | 1 | $ 147,000 | $ 147,000 | $ 97,000 |
| Transylvania County North Carolina | 1 | $ 154,000 | $ 154,000 | $ 49,000 |
| Union County North Carolina | 1 | $ 184,000 | $ 184,000 | $ 85,000 |
| Watauga County North Carolina | 1 | $ 288,000 | $ 288,000 | $ 69,000 |
| Wayne County North Carolina | 1 | $ 183,000 | $ 183,000 | $ 0 |
| Wilkes County North Carolina | 1 | $ 97,000 | $ 97,000 | $ 30,000 |
| Wilson County North Carolina | 1 | $ 111,000 | $ 111,000 | $ 31,000 |
| Fairfield County Ohio | 1 | $ 50,000 | $ 50,000 | $ 15,000 |
| Greene County Ohio | 1 | $ 175,000 | $ 175,000 | $ 169,000 |
| Canadian County Oklahoma | 1 | $ 129,000 | $ 129,000 | $ 68,000 |
| Carter County Oklahoma | 1 | $ 132,000 | $ 132,000 | $ 71,000 |
| Lincoln County Oklahoma | 1 | $ 143,000 | $ 143,000 | $ 0 |
| Pittsburg County Oklahoma | 1 | $ 193,000 | $ 193,000 | $ 112,000 |
| Seminole County Oklahoma | 1 | $ 143,000 | $ 143,000 | $ 70,000 |
| Stephens County Oklahoma | 1 | $ 102,000 | $ 102,000 | $ 69,000 |
| Tulsa County Oklahoma | 1 | $ 128,000 | $ 128,000 | $ 61,000 |
| Linn County Oregon | 1 | $ 225,000 | $ 225,000 | $ 104,000 |
| Beaver County Pennsylvania | 1 | $ 143,000 | $ 143,000 | $ 93,000 |
| Berks County Pennsylvania | 1 | $ 110,000 | $ 110,000 | $ 70,000 |
| Dauphin County Pennsylvania | 1 | $ 110,000 | $ 110,000 | $ 40,000 |
| Fayette County Pennsylvania | 1 | $ 83,000 | $ 83,000 | $ 39,000 |
| Lawrence County Pennsylvania | 1 | $ 117,000 | $ 117,000 | $ 51,000 |
| Monroe County Pennsylvania | 1 | $ 194,000 | $ 194,000 | $ 155,000 |
| Northumberland County Pennsylvania | 1 | $ 53,000 | $ 53,000 | $ 0 |
| Schuylkill County Pennsylvania | 1 | $ 136,000 | $ 136,000 | $ 44,000 |
| Venango County Pennsylvania | 1 | $ 127,000 | $ 127,000 | $ 32,000 |
| York County Pennsylvania | 1 | $ 229,000 | $ 229,000 | $ 62,000 |
| Charleston County South Carolina | 1 | $ 167,000 | $ 167,000 | $ 67,000 |
| Dorchester County South Carolina | 1 | $ 135,000 | $ 135,000 | $ 45,000 |
| Greenville County South Carolina | 1 | $ 402,000 | $ 402,000 | $ 205,000 |
| McCormick County South Carolina | 1 | $ 343,000 | $ 343,000 | $ 82,000 |
| Richland County South Carolina | 1 | $ 168,000 | $ 168,000 | $ 68,000 |
| Harris County Texas | 1 | $ 109,000 | $ 109,000 | $ 0 |
| Parker County Texas | 1 | $ 206,000 | $ 206,000 | $ 92,000 |
| Williamson County Texas | 1 | $ 190,000 | $ 190,000 | $ 98,000 |
| Franklin County Virginia | 1 | $ 129,000 | $ 129,000 | $ 66,000 |
| Gloucester County Virginia | 1 | $ 180,000 | $ 180,000 | $ 51,000 |
| Loudoun County Virginia | 1 | $ 620,000 | $ 620,000 | $ 0 |
| Portsmouth County Virginia | 1 | $ 119,000 | $ 119,000 | $ 0 |
| Rockingham County Virginia | 1 | $ 130,000 | $ 130,000 | $ 47,000 |
| Spotsylvania County Virginia | 1 | $ 177,000 | $ 177,000 | $ 42,000 |
| Virginia Beach County Virginia | 1 | $ 220,000 | $ 220,000 | $ 0 |
| Walla Walla County Washington | 1 | $ 146,000 | $ 146,000 | $ 66,000 |
Mortgage Loan Application Detail Totals for Semper Home Loans, Inc in 2012
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 | 450 | $104,338,000 | $231,000 | $743,000 | $70,000 | $886,000 |
| Home Purchase | 215 | $46,904,000 | $218,000 | $628,000 | $73,000 | $262,000 |
| 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 | 401 | $91,472,000 | $228,000 | $743,000 | $75,000 | $886,000 |
| Not Provided | 83 | $17,952,000 | $216,000 | $464,000 | $72,000 | $274,000 |
| Black or African American | 82 | $16,789,000 | $204,000 | $489,000 | $54,000 | $151,000 |
| Hispanic | 77 | $18,761,000 | $243,000 | $720,000 | $62,000 | $315,000 |
| Asian | 22 | $6,268,000 | $284,000 | $725,000 | $92,000 | $237,000 |
| 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 |
|---|---|---|---|---|---|---|
| FHA-insured (Federal Housing Administration) | 414 | $94,020,000 | $227,000 | $743,000 | $56,000 | $274,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 222 | $52,131,000 | $234,000 | $521,000 | $99,000 | $886,000 |
| VA-guaranteed (Veterans Administration) | 19 | $3,741,000 | $196,000 | $417,000 | $68,000 | $154,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 10 | $1,350,000 | $135,000 | $220,000 | $48,000 | $79,000 |
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 |
|---|---|---|---|---|---|---|
| Loan Originated | 497 | $115,111,000 | $231,000 | $743,000 | $71,000 | $886,000 |
| Application Withdrawn By Applicant | 71 | $16,002,000 | $225,000 | $521,000 | $70,000 | $274,000 |
| Application Denied By Financial Institution | 66 | $13,934,000 | $211,000 | $489,000 | $72,000 | $237,000 |
| Application Approved But Not Accepted | 29 | $5,837,000 | $201,000 | $489,000 | $69,000 | $225,000 |
| File Closed For Incompleteness | 1 | $253,000 | $253,000 | $253,000 | $46,000 | $46,000 |
| Preapproval Approved but not Accepted | 1 | $105,000 | $105,000 | $105,000 | $26,000 | $26,000 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The 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 |
|---|---|---|---|---|---|---|
| Collateral | 28 | $5,664,000 | $202,000 | $489,000 | $74,000 | $155,000 |
| Debt-To-Income Ratio | 19 | $4,457,000 | $234,000 | $452,000 | $75,000 | $237,000 |
| Credit History | 6 | $1,227,000 | $204,000 | $417,000 | $65,000 | $134,000 |
| Employment History | 5 | $1,102,000 | $220,000 | $407,000 | $71,000 | $103,000 |
| Other | 3 | $483,000 | $161,000 | $175,000 | $87,000 | $169,000 |
| Unverifiable Information | 1 | $177,000 | $177,000 | $177,000 | $42,000 | $42,000 |
| Credit Application Incomplete | 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 Semper Home Loans, Inc's 2012 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 Semper Home Loans, 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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