Semper Home Loans, Inc
HMDA Loan Application Totals
and Mortgage Lending Details
for 2015
Semper Home Loans, Inc 2015 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 | 849 |
| Total Mortgage Loan Application Amount | $172,564,000 |
| Average Mortgage Loan Application Amount | $200,000 |
| Highest Mortgage Loan Application Amount | $776,000 |
| Average Applicant Income | $55,000 |
| Highest Applicant Income | $274,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2015 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 2015 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 2015.
| 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 | 75 | $ 15,219,000 | $ 202,000 | $ 48,000 |
| Bristol County Massachusetts | 62 | $ 14,899,000 | $ 240,000 | $ 46,000 |
| Monroe County Pennsylvania | 48 | $ 7,085,000 | $ 147,000 | $ 51,000 |
| Kent County Rhode Island | 28 | $ 5,049,000 | $ 180,000 | $ 56,000 |
| Gloucester County New Jersey | 17 | $ 3,623,000 | $ 213,000 | $ 58,000 |
| Hartford County Connecticut | 16 | $ 2,903,000 | $ 181,000 | $ 27,000 |
| Washington County Rhode Island | 14 | $ 3,390,000 | $ 242,000 | $ 78,000 |
| Camden County New Jersey | 13 | $ 1,935,000 | $ 148,000 | $ 46,000 |
| Plymouth County Massachusetts | 12 | $ 3,104,000 | $ 258,000 | $ 71,000 |
| Worcester County Massachusetts | 11 | $ 2,345,000 | $ 213,000 | $ 35,000 |
| Hillsborough County New Hampshire | 11 | $ 2,096,000 | $ 190,000 | $ 39,000 |
| Suffolk County New York | 11 | $ 3,263,000 | $ 296,000 | $ 34,000 |
| Gwinnett County Georgia | 9 | $ 2,026,000 | $ 225,000 | $ 66,000 |
| Bucks County Pennsylvania | 9 | $ 1,847,000 | $ 205,000 | $ 20,000 |
| Cumberland County New Jersey | 8 | $ 1,176,000 | $ 147,000 | $ 35,000 |
| Norfolk County Massachusetts | 7 | $ 1,851,000 | $ 264,000 | $ 64,000 |
| Burlington County New Jersey | 7 | $ 1,493,000 | $ 213,000 | $ 57,000 |
| Philadelphia County Pennsylvania | 7 | $ 1,101,000 | $ 157,000 | $ 42,000 |
| Pierce County Washington | 7 | $ 1,477,000 | $ 211,000 | $ 30,000 |
| New Haven County Connecticut | 6 | $ 1,206,000 | $ 201,000 | $ 0 |
| Cobb County Georgia | 6 | $ 1,182,000 | $ 197,000 | $ 65,000 |
| Carbon County Pennsylvania | 6 | $ 772,000 | $ 128,000 | $ 58,000 |
| Delaware County Pennsylvania | 6 | $ 909,000 | $ 151,000 | $ 39,000 |
| Northampton County Pennsylvania | 6 | $ 1,121,000 | $ 186,000 | $ 40,000 |
| Pike County Pennsylvania | 6 | $ 856,000 | $ 142,000 | $ 59,000 |
| Bristol County Rhode Island | 6 | $ 1,557,000 | $ 259,000 | $ 50,000 |
| Miami-Dade County Florida | 5 | $ 1,187,000 | $ 237,000 | $ 40,000 |
| Middlesex County Massachusetts | 5 | $ 1,484,000 | $ 296,000 | $ 67,000 |
| Passaic County New Jersey | 5 | $ 1,353,000 | $ 270,000 | $ 110,000 |
| Bernalillo County New Mexico | 5 | $ 835,000 | $ 167,000 | $ 7,000 |
| Lehigh County Pennsylvania | 5 | $ 1,080,000 | $ 216,000 | $ 61,000 |
| Wayne County Pennsylvania | 5 | $ 753,000 | $ 150,000 | $ 62,000 |
| Charleston County South Carolina | 5 | $ 904,000 | $ 180,000 | $ 66,000 |
| Fairfield County Connecticut | 4 | $ 1,424,000 | $ 356,000 | $ 133,000 |
| Hillsborough County Florida | 4 | $ 917,000 | $ 229,000 | $ 77,000 |
| Palm Beach County Florida | 4 | $ 742,000 | $ 185,000 | $ 35,000 |
| DeKalb County Georgia | 4 | $ 786,000 | $ 196,000 | $ 38,000 |
| St. Tammany County Louisiana | 4 | $ 712,000 | $ 178,000 | $ 61,000 |
| Hampden County Massachusetts | 4 | $ 687,000 | $ 171,000 | $ 40,000 |
| Bergen County New Jersey | 4 | $ 1,468,000 | $ 367,000 | $ 57,000 |
| Essex County New Jersey | 4 | $ 716,000 | $ 179,000 | $ 8,000 |
| Kings County New York | 4 | $ 2,024,000 | $ 506,000 | $ 75,000 |
| Berks County Pennsylvania | 4 | $ 606,000 | $ 151,000 | $ 41,000 |
| Washington County Pennsylvania | 4 | $ 861,000 | $ 215,000 | $ 71,000 |
| Newport County Rhode Island | 4 | $ 1,224,000 | $ 306,000 | $ 102,000 |
| Bexar County Texas | 4 | $ 565,000 | $ 141,000 | $ 14,000 |
| Clark County Washington | 4 | $ 817,000 | $ 204,000 | $ 84,000 |
| Spokane County Washington | 4 | $ 694,000 | $ 173,000 | $ 0 |
| Whatcom County Washington | 4 | $ 964,000 | $ 241,000 | $ 44,000 |
| Windham County Connecticut | 3 | $ 431,000 | $ 143,000 | $ 38,000 |
| District of Columbia County District Of Columbia | 3 | $ 536,000 | $ 178,000 | $ 59,000 |
| Bartow County Georgia | 3 | $ 398,000 | $ 132,000 | $ 39,000 |
| Fulton County Georgia | 3 | $ 577,000 | $ 192,000 | $ 55,000 |
| Lafayette County Louisiana | 3 | $ 471,000 | $ 157,000 | $ 45,000 |
| Orleans County Louisiana | 3 | $ 564,000 | $ 188,000 | $ 74,000 |
| Rockingham County New Hampshire | 3 | $ 685,000 | $ 228,000 | $ 0 |
| Atlantic County New Jersey | 3 | $ 410,000 | $ 136,000 | $ 49,000 |
| Nassau County New York | 3 | $ 1,259,000 | $ 419,000 | $ 81,000 |
| Onondaga County New York | 3 | $ 479,000 | $ 159,000 | $ 47,000 |
| Queens County New York | 3 | $ 938,000 | $ 312,000 | $ 34,000 |
| Richmond County New York | 3 | $ 997,000 | $ 332,000 | $ 44,000 |
| Rockland County New York | 3 | $ 848,000 | $ 282,000 | $ 52,000 |
| Saratoga County New York | 3 | $ 466,000 | $ 155,000 | $ 49,000 |
| Wake County North Carolina | 3 | $ 675,000 | $ 225,000 | $ 42,000 |
| Horry County South Carolina | 3 | $ 673,000 | $ 224,000 | $ 69,000 |
| Kershaw County South Carolina | 3 | $ 510,000 | $ 170,000 | $ 31,000 |
| Collin County Texas | 3 | $ 542,000 | $ 180,000 | $ 51,000 |
| Chesterfield County Virginia | 3 | $ 577,000 | $ 192,000 | $ 26,000 |
| Fairfax County Virginia | 3 | $ 1,511,000 | $ 503,000 | $ 0 |
| Skagit County Washington | 3 | $ 668,000 | $ 222,000 | $ 44,000 |
| Natrona County Wyoming | 3 | $ 552,000 | $ 184,000 | $ 92,000 |
| Jefferson County Alabama | 2 | $ 352,000 | $ 176,000 | $ 16,000 |
| Limestone County Alabama | 2 | $ 392,000 | $ 196,000 | $ 23,000 |
| Tuscaloosa County Alabama | 2 | $ 408,000 | $ 204,000 | $ 105,000 |
| Litchfield County Connecticut | 2 | $ 307,000 | $ 153,000 | $ 40,000 |
| New London County Connecticut | 2 | $ 468,000 | $ 234,000 | $ 88,000 |
| New Castle County Delaware | 2 | $ 389,000 | $ 194,000 | $ 48,000 |
| Broward County Florida | 2 | $ 325,000 | $ 162,000 | $ 70,000 |
| Douglas County Georgia | 2 | $ 383,000 | $ 191,000 | $ 47,000 |
| Fayette County Georgia | 2 | $ 294,000 | $ 147,000 | $ 16,000 |
| Henry County Georgia | 2 | $ 392,000 | $ 196,000 | $ 46,000 |
| Rockdale County Georgia | 2 | $ 198,000 | $ 99,000 | $ 42,000 |
| Walton County Georgia | 2 | $ 268,000 | $ 134,000 | $ 15,000 |
| Allen County Indiana | 2 | $ 326,000 | $ 163,000 | $ 0 |
| Daviess County Indiana | 2 | $ 328,000 | $ 164,000 | $ 60,000 |
| Hamilton County Indiana | 2 | $ 330,000 | $ 165,000 | $ 0 |
| Lake County Indiana | 2 | $ 317,000 | $ 158,000 | $ 0 |
| Caddo County Louisiana | 2 | $ 320,000 | $ 160,000 | $ 0 |
| Terrebonne County Louisiana | 2 | $ 332,000 | $ 166,000 | $ 82,000 |
| Essex County Massachusetts | 2 | $ 666,000 | $ 333,000 | $ 94,000 |
| Morris County New Jersey | 2 | $ 768,000 | $ 384,000 | $ 0 |
| Ocean County New Jersey | 2 | $ 463,000 | $ 231,000 | $ 0 |
| Somerset County New Jersey | 2 | $ 311,000 | $ 155,000 | $ 0 |
| Sussex County New Jersey | 2 | $ 624,000 | $ 312,000 | $ 0 |
| Dona Ana County New Mexico | 2 | $ 286,000 | $ 143,000 | $ 23,000 |
| Torrance County New Mexico | 2 | $ 489,000 | $ 244,000 | $ 127,000 |
| Clinton County New York | 2 | $ 330,000 | $ 165,000 | $ 63,000 |
| Erie County New York | 2 | $ 388,000 | $ 194,000 | $ 70,000 |
| Putnam County New York | 2 | $ 692,000 | $ 346,000 | $ 123,000 |
| Schenectady County New York | 2 | $ 436,000 | $ 218,000 | $ 27,000 |
| Mecklenburg County North Carolina | 2 | $ 322,000 | $ 161,000 | $ 71,000 |
| Carter County Oklahoma | 2 | $ 266,000 | $ 133,000 | $ 24,000 |
| Oklahoma County Oklahoma | 2 | $ 354,000 | $ 177,000 | $ 27,000 |
| Lane County Oregon | 2 | $ 392,000 | $ 196,000 | $ 50,000 |
| Multnomah County Oregon | 2 | $ 378,000 | $ 189,000 | $ 56,000 |
| Chester County Pennsylvania | 2 | $ 524,000 | $ 262,000 | $ 80,000 |
| Franklin County Pennsylvania | 2 | $ 347,000 | $ 173,000 | $ 81,000 |
| Lebanon County Pennsylvania | 2 | $ 304,000 | $ 152,000 | $ 76,000 |
| Luzerne County Pennsylvania | 2 | $ 205,000 | $ 102,000 | $ 0 |
| Dorchester County South Carolina | 2 | $ 369,000 | $ 184,000 | $ 0 |
| Greenville County South Carolina | 2 | $ 282,000 | $ 141,000 | $ 63,000 |
| Shelby County Tennessee | 2 | $ 476,000 | $ 238,000 | $ 36,000 |
| Dallas County Texas | 2 | $ 268,000 | $ 134,000 | $ 0 |
| Fort Bend County Texas | 2 | $ 301,000 | $ 150,000 | $ 36,000 |
| Harris County Texas | 2 | $ 332,000 | $ 166,000 | $ 62,000 |
| Alexandria County Virginia | 2 | $ 641,000 | $ 320,000 | $ 65,000 |
| Henrico County Virginia | 2 | $ 304,000 | $ 152,000 | $ 42,000 |
| Douglas County Washington | 2 | $ 418,000 | $ 209,000 | $ 0 |
| King County Washington | 2 | $ 825,000 | $ 412,000 | $ 165,000 |
| Yakima County Washington | 2 | $ 282,000 | $ 141,000 | $ 29,000 |
| Covington County Alabama | 1 | $ 171,000 | $ 171,000 | $ 92,000 |
| Lee County Alabama | 1 | $ 259,000 | $ 259,000 | $ 128,000 |
| Mobile County Alabama | 1 | $ 172,000 | $ 172,000 | $ 0 |
| Morgan County Alabama | 1 | $ 156,000 | $ 156,000 | $ 0 |
| St. Clair County Alabama | 1 | $ 206,000 | $ 206,000 | $ 57,000 |
| Fresno County California | 1 | $ 177,000 | $ 177,000 | $ 42,000 |
| Imperial County California | 1 | $ 182,000 | $ 182,000 | $ 165,000 |
| Los Angeles County California | 1 | $ 142,000 | $ 142,000 | $ 44,000 |
| Riverside County California | 1 | $ 268,000 | $ 268,000 | $ 61,000 |
| San Bernardino County California | 1 | $ 139,000 | $ 139,000 | $ 76,000 |
| San Joaquin County California | 1 | $ 217,000 | $ 217,000 | $ 54,000 |
| Adams County Colorado | 1 | $ 160,000 | $ 160,000 | $ 57,000 |
| Douglas County Colorado | 1 | $ 413,000 | $ 413,000 | $ 121,000 |
| El Paso County Colorado | 1 | $ 245,000 | $ 245,000 | $ 93,000 |
| Jefferson County Colorado | 1 | $ 371,000 | $ 371,000 | $ 166,000 |
| Middlesex County Connecticut | 1 | $ 213,000 | $ 213,000 | $ 94,000 |
| Charlotte County Florida | 1 | $ 273,000 | $ 273,000 | $ 0 |
| Clay County Florida | 1 | $ 161,000 | $ 161,000 | $ 0 |
| Duval County Florida | 1 | $ 216,000 | $ 216,000 | $ 0 |
| Flagler County Florida | 1 | $ 130,000 | $ 130,000 | $ 58,000 |
| Leon County Florida | 1 | $ 168,000 | $ 168,000 | $ 77,000 |
| Orange County Florida | 1 | $ 205,000 | $ 205,000 | $ 102,000 |
| Pasco County Florida | 1 | $ 142,000 | $ 142,000 | $ 55,000 |
| Polk County Florida | 1 | $ 138,000 | $ 138,000 | $ 0 |
| Bibb County Georgia | 1 | $ 206,000 | $ 206,000 | $ 0 |
| Carroll County Georgia | 1 | $ 134,000 | $ 134,000 | $ 67,000 |
| Chatham County Georgia | 1 | $ 243,000 | $ 243,000 | $ 86,000 |
| Cherokee County Georgia | 1 | $ 218,000 | $ 218,000 | $ 0 |
| Clayton County Georgia | 1 | $ 190,000 | $ 190,000 | $ 0 |
| Columbia County Georgia | 1 | $ 164,000 | $ 164,000 | $ 0 |
| Forsyth County Georgia | 1 | $ 133,000 | $ 133,000 | $ 0 |
| Glynn County Georgia | 1 | $ 178,000 | $ 178,000 | $ 0 |
| Hall County Georgia | 1 | $ 220,000 | $ 220,000 | $ 106,000 |
| Houston County Georgia | 1 | $ 194,000 | $ 194,000 | $ 66,000 |
| Jackson County Georgia | 1 | $ 137,000 | $ 137,000 | $ 0 |
| Lee County Georgia | 1 | $ 143,000 | $ 143,000 | $ 0 |
| Muscogee County Georgia | 1 | $ 129,000 | $ 129,000 | $ 0 |
| Paulding County Georgia | 1 | $ 145,000 | $ 145,000 | $ 55,000 |
| Putnam County Georgia | 1 | $ 141,000 | $ 141,000 | $ 94,000 |
| Bartholomew County Indiana | 1 | $ 157,000 | $ 157,000 | $ 75,000 |
| Boone County Indiana | 1 | $ 155,000 | $ 155,000 | $ 64,000 |
| Grant County Indiana | 1 | $ 184,000 | $ 184,000 | $ 62,000 |
| Greene County Indiana | 1 | $ 208,000 | $ 208,000 | $ 118,000 |
| Hendricks County Indiana | 1 | $ 141,000 | $ 141,000 | $ 0 |
| Howard County Indiana | 1 | $ 131,000 | $ 131,000 | $ 0 |
| Jackson County Indiana | 1 | $ 149,000 | $ 149,000 | $ 0 |
| Porter County Indiana | 1 | $ 129,000 | $ 129,000 | $ 0 |
| St. Joseph County Indiana | 1 | $ 147,000 | $ 147,000 | $ 0 |
| Ascension County Louisiana | 1 | $ 168,000 | $ 168,000 | $ 127,000 |
| Bossier County Louisiana | 1 | $ 176,000 | $ 176,000 | $ 0 |
| East Baton Rouge County Louisiana | 1 | $ 152,000 | $ 152,000 | $ 48,000 |
| Jefferson County Louisiana | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Lafourche County Louisiana | 1 | $ 148,000 | $ 148,000 | $ 98,000 |
| Livingston County Louisiana | 1 | $ 150,000 | $ 150,000 | $ 46,000 |
| Ouachita County Louisiana | 1 | $ 143,000 | $ 143,000 | $ 0 |
| St. Helena County Louisiana | 1 | $ 134,000 | $ 134,000 | $ 35,000 |
| St. Martin County Louisiana | 1 | $ 206,000 | $ 206,000 | $ 0 |
| Baltimore County Maryland | 1 | $ 160,000 | $ 160,000 | $ 0 |
| Carroll County Maryland | 1 | $ 294,000 | $ 294,000 | $ 101,000 |
| Charles County Maryland | 1 | $ 254,000 | $ 254,000 | $ 72,000 |
| Harford County Maryland | 1 | $ 405,000 | $ 405,000 | $ 274,000 |
| Montgomery County Maryland | 1 | $ 200,000 | $ 200,000 | $ 65,000 |
| Prince George's County Maryland | 1 | $ 227,000 | $ 227,000 | $ 51,000 |
| Queen Anne's County Maryland | 1 | $ 321,000 | $ 321,000 | $ 0 |
| Berkshire County Massachusetts | 1 | $ 148,000 | $ 148,000 | $ 0 |
| Hampshire County Massachusetts | 1 | $ 177,000 | $ 177,000 | $ 65,000 |
| Suffolk County Massachusetts | 1 | $ 205,000 | $ 205,000 | $ 106,000 |
| Lewis and Clark County Montana | 1 | $ 273,000 | $ 273,000 | $ 135,000 |
| Yellowstone County Montana | 1 | $ 136,000 | $ 136,000 | $ 0 |
| Cape May County New Jersey | 1 | $ 253,000 | $ 253,000 | $ 111,000 |
| Hudson County New Jersey | 1 | $ 495,000 | $ 495,000 | $ 137,000 |
| Hunterdon County New Jersey | 1 | $ 340,000 | $ 340,000 | $ 0 |
| Mercer County New Jersey | 1 | $ 213,000 | $ 213,000 | $ 0 |
| Middlesex County New Jersey | 1 | $ 297,000 | $ 297,000 | $ 86,000 |
| Monmouth County New Jersey | 1 | $ 269,000 | $ 269,000 | $ 106,000 |
| Salem County New Jersey | 1 | $ 136,000 | $ 136,000 | $ 57,000 |
| Union County New Jersey | 1 | $ 651,000 | $ 651,000 | $ 0 |
| San Juan County New Mexico | 1 | $ 160,000 | $ 160,000 | $ 0 |
| Sandoval County New Mexico | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Valencia County New Mexico | 1 | $ 132,000 | $ 132,000 | $ 0 |
| Chemung County New York | 1 | $ 141,000 | $ 141,000 | $ 46,000 |
| Dutchess County New York | 1 | $ 271,000 | $ 271,000 | $ 62,000 |
| Fulton County New York | 1 | $ 153,000 | $ 153,000 | $ 0 |
| Greene County New York | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Orange County New York | 1 | $ 346,000 | $ 346,000 | $ 0 |
| Oswego County New York | 1 | $ 156,000 | $ 156,000 | $ 83,000 |
| Otsego County New York | 1 | $ 160,000 | $ 160,000 | $ 71,000 |
| Steuben County New York | 1 | $ 254,000 | $ 254,000 | $ 100,000 |
| Ulster County New York | 1 | $ 134,000 | $ 134,000 | $ 0 |
| Westchester County New York | 1 | $ 291,000 | $ 291,000 | $ 0 |
| Buncombe County North Carolina | 1 | $ 152,000 | $ 152,000 | $ 0 |
| Cabarrus County North Carolina | 1 | $ 144,000 | $ 144,000 | $ 40,000 |
| Cumberland County North Carolina | 1 | $ 150,000 | $ 150,000 | $ 0 |
| Davidson County North Carolina | 1 | $ 120,000 | $ 120,000 | $ 0 |
| Gaston County North Carolina | 1 | $ 211,000 | $ 211,000 | $ 63,000 |
| Greene County North Carolina | 1 | $ 181,000 | $ 181,000 | $ 61,000 |
| Guilford County North Carolina | 1 | $ 186,000 | $ 186,000 | $ 0 |
| Onslow County North Carolina | 1 | $ 152,000 | $ 152,000 | $ 0 |
| Pender County North Carolina | 1 | $ 233,000 | $ 233,000 | $ 0 |
| Union County North Carolina | 1 | $ 206,000 | $ 206,000 | $ 86,000 |
| Wilson County North Carolina | 1 | $ 141,000 | $ 141,000 | $ 0 |
| Stark County North Dakota | 1 | $ 229,000 | $ 229,000 | $ 125,000 |
| Mayes County Oklahoma | 1 | $ 180,000 | $ 180,000 | $ 130,000 |
| McClain County Oklahoma | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Pottawatomie County Oklahoma | 1 | $ 163,000 | $ 163,000 | $ 60,000 |
| Texas County Oklahoma | 1 | $ 253,000 | $ 253,000 | $ 131,000 |
| Benton County Oregon | 1 | $ 193,000 | $ 193,000 | $ 93,000 |
| Clackamas County Oregon | 1 | $ 161,000 | $ 161,000 | $ 40,000 |
| Columbia County Oregon | 1 | $ 140,000 | $ 140,000 | $ 0 |
| Coos County Oregon | 1 | $ 111,000 | $ 111,000 | $ 0 |
| Jackson County Oregon | 1 | $ 180,000 | $ 180,000 | $ 93,000 |
| Josephine County Oregon | 1 | $ 133,000 | $ 133,000 | $ 0 |
| Linn County Oregon | 1 | $ 160,000 | $ 160,000 | $ 0 |
| Polk County Oregon | 1 | $ 233,000 | $ 233,000 | $ 0 |
| Umatilla County Oregon | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Allegheny County Pennsylvania | 1 | $ 184,000 | $ 184,000 | $ 93,000 |
| Beaver County Pennsylvania | 1 | $ 131,000 | $ 131,000 | $ 0 |
| Clearfield County Pennsylvania | 1 | $ 134,000 | $ 134,000 | $ 64,000 |
| Erie County Pennsylvania | 1 | $ 174,000 | $ 174,000 | $ 120,000 |
| Lackawanna County Pennsylvania | 1 | $ 74,000 | $ 74,000 | $ 45,000 |
| Mifflin County Pennsylvania | 1 | $ 100,000 | $ 100,000 | $ 47,000 |
| Montgomery County Pennsylvania | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Schuylkill County Pennsylvania | 1 | $ 96,000 | $ 96,000 | $ 62,000 |
| York County Pennsylvania | 1 | $ 163,000 | $ 163,000 | $ 0 |
| Bamberg County South Carolina | 1 | $ 135,000 | $ 135,000 | $ 36,000 |
| Beaufort County South Carolina | 1 | $ 152,000 | $ 152,000 | $ 0 |
| Berkeley County South Carolina | 1 | $ 150,000 | $ 150,000 | $ 48,000 |
| Lancaster County South Carolina | 1 | $ 276,000 | $ 276,000 | $ 49,000 |
| Richland County South Carolina | 1 | $ 144,000 | $ 144,000 | $ 0 |
| Spartanburg County South Carolina | 1 | $ 211,000 | $ 211,000 | $ 0 |
| Sumter County South Carolina | 1 | $ 164,000 | $ 164,000 | $ 116,000 |
| Union County South Carolina | 1 | $ 228,000 | $ 228,000 | $ 112,000 |
| York County South Carolina | 1 | $ 146,000 | $ 146,000 | $ 0 |
| Yankton County South Dakota | 1 | $ 145,000 | $ 145,000 | $ 71,000 |
| Davidson County Tennessee | 1 | $ 174,000 | $ 174,000 | $ 60,000 |
| Fayette County Tennessee | 1 | $ 218,000 | $ 218,000 | $ 0 |
| Hamilton County Tennessee | 1 | $ 275,000 | $ 275,000 | $ 139,000 |
| Rutherford County Tennessee | 1 | $ 134,000 | $ 134,000 | $ 0 |
| Sumner County Tennessee | 1 | $ 179,000 | $ 179,000 | $ 105,000 |
| Bastrop County Texas | 1 | $ 135,000 | $ 135,000 | $ 49,000 |
| Bowie County Texas | 1 | $ 142,000 | $ 142,000 | $ 57,000 |
| Denton County Texas | 1 | $ 160,000 | $ 160,000 | $ 53,000 |
| El Paso County Texas | 1 | $ 171,000 | $ 171,000 | $ 0 |
| Guadalupe County Texas | 1 | $ 159,000 | $ 159,000 | $ 0 |
| Johnson County Texas | 1 | $ 196,000 | $ 196,000 | $ 73,000 |
| Kleberg County Texas | 1 | $ 161,000 | $ 161,000 | $ 100,000 |
| Montgomery County Texas | 1 | $ 140,000 | $ 140,000 | $ 0 |
| Tarrant County Texas | 1 | $ 152,000 | $ 152,000 | $ 0 |
| Trinity County Texas | 1 | $ 149,000 | $ 149,000 | $ 0 |
| Wise County Texas | 1 | $ 185,000 | $ 185,000 | $ 96,000 |
| Albemarle County Virginia | 1 | $ 146,000 | $ 146,000 | $ 62,000 |
| Amelia County Virginia | 1 | $ 147,000 | $ 147,000 | $ 0 |
| Augusta County Virginia | 1 | $ 172,000 | $ 172,000 | $ 0 |
| Chesapeake County Virginia | 1 | $ 170,000 | $ 170,000 | $ 55,000 |
| Frederick County Virginia | 1 | $ 221,000 | $ 221,000 | $ 42,000 |
| Henry County Virginia | 1 | $ 149,000 | $ 149,000 | $ 54,000 |
| Hopewell County Virginia | 1 | $ 219,000 | $ 219,000 | $ 76,000 |
| Isle of Wight County Virginia | 1 | $ 133,000 | $ 133,000 | $ 67,000 |
| Manassas County Virginia | 1 | $ 242,000 | $ 242,000 | $ 0 |
| Montgomery County Virginia | 1 | $ 179,000 | $ 179,000 | $ 111,000 |
| Norfolk County Virginia | 1 | $ 111,000 | $ 111,000 | $ 55,000 |
| Powhatan County Virginia | 1 | $ 270,000 | $ 270,000 | $ 43,000 |
| Prince William County Virginia | 1 | $ 410,000 | $ 410,000 | $ 140,000 |
| Roanoke City County Virginia | 1 | $ 150,000 | $ 150,000 | $ 0 |
| Suffolk County Virginia | 1 | $ 139,000 | $ 139,000 | $ 0 |
| Benton County Washington | 1 | $ 132,000 | $ 132,000 | $ 85,000 |
| Franklin County Washington | 1 | $ 129,000 | $ 129,000 | $ 70,000 |
| Lewis County Washington | 1 | $ 173,000 | $ 173,000 | $ 110,000 |
| Snohomish County Washington | 1 | $ 227,000 | $ 227,000 | $ 57,000 |
| Thurston County Washington | 1 | $ 160,000 | $ 160,000 | $ 0 |
| Lincoln County Wyoming | 1 | $ 190,000 | $ 190,000 | $ 0 |
| Uinta County Wyoming | 1 | $ 190,000 | $ 190,000 | $ 0 |
Mortgage Loan Application Detail Totals for Semper Home Loans, Inc in 2015
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 | 615 | $127,070,000 | $206,000 | $776,000 | $40,000 | $274,000 |
| Home Purchase | 234 | $45,494,000 | $194,000 | $449,000 | $70,000 | $227,000 |
| 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 | 627 | $129,020,000 | $205,000 | $776,000 | $50,000 | $274,000 |
| Black or African American | 116 | $22,255,000 | $191,000 | $553,000 | $39,000 | $140,000 |
| Hispanic | 58 | $11,098,000 | $191,000 | $651,000 | $42,000 | $139,000 |
| Not Provided | 36 | $7,031,000 | $195,000 | $466,000 | $39,000 | $207,000 |
| Asian | 10 | $2,860,000 | $286,000 | $480,000 | $94,000 | $272,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $300,000 | $150,000 | $200,000 | $29,000 | $58,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 556 | $112,434,000 | $202,000 | $776,000 | $29,000 | $272,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 255 | $53,267,000 | $208,000 | $555,000 | $88,000 | $274,000 |
| VA-guaranteed (Veterans Administration) | 22 | $4,448,000 | $202,000 | $417,000 | $58,000 | $107,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 16 | $2,415,000 | $150,000 | $265,000 | $58,000 | $78,000 |
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 | 752 | $153,957,000 | $204,000 | $776,000 | $49,000 | $274,000 |
| Application Withdrawn By Applicant | 66 | $13,466,000 | $204,000 | $480,000 | $37,000 | $149,000 |
| Application Denied By Financial Institution | 29 | $4,860,000 | $167,000 | $375,000 | $52,000 | $171,000 |
| Application Approved But Not Accepted | 2 | $281,000 | $140,000 | $142,000 | $65,000 | $76,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 4 | $642,000 | $160,000 | $228,000 | $55,000 | $68,000 |
| Unverifiable Information | 4 | $692,000 | $173,000 | $243,000 | $36,000 | $58,000 |
| Collateral | 3 | $557,000 | $185,000 | $375,000 | $79,000 | $171,000 |
| Other | 2 | $444,000 | $222,000 | $234,000 | $58,000 | $67,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $223,000 | $111,000 | $142,000 | $48,000 | $67,000 |
| Debt-To-Income Ratio | 1 | $211,000 | $211,000 | $211,000 | $34,000 | $34,000 |
| Employment History | 1 | $143,000 | $143,000 | $143,000 | $86,000 | $86,000 |
| Credit Application Incomplete | 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 2015 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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with aggregated HMDA statistics today.