Semper Home Loans, Inc Mortgage Lending & HMDA Data, 2016
In 2016, Semper Home Loans, Inc of Providence, RI reported 903 mortgage applications totaling $182.2 million, up 6% from 2015. The average application was for $201,754, and applicants reported an average income of $62,096. 87% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Providence-Warwick, RI-MA (302), East Stroudsburg, PA (44) and Boston, MA (39) (applications in parentheses).
| Mortgage Company & Address | Semper Home Loans, Inc 225 Dupont Drive Providence, RI 02907 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 |
| Total Number of Mortgage Applications | 903 |
| Total Mortgage Loan Application Amount | $182,184,000 |
| Average Mortgage Loan Application Amount | $201,754 |
| Highest Mortgage Loan Application Amount | $623,000 |
| Average Applicant Income | $62,096 |
| Highest Applicant Income | $6,180,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Semper Home Loans, Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Providence, Rhode Island | 140 | $ 28,839,000 | $ 205,992 | $ 63,000 |
| Bristol, Massachusetts | 89 | $ 20,478,000 | $ 230,089 | $ 70,000 |
| Kent, Rhode Island | 51 | $ 9,466,000 | $ 185,607 | $ 71,000 |
| Monroe, Pennsylvania | 44 | $ 7,531,000 | $ 171,159 | $ 221,000 |
| Plymouth, Massachusetts | 23 | $ 6,822,000 | $ 296,608 | $ 77,000 |
| Hartford, Connecticut | 20 | $ 3,478,000 | $ 173,900 | $ 10,000 |
| New Haven, Connecticut | 15 | $ 2,576,000 | $ 171,733 | $ 5,000 |
| Norfolk, Massachusetts | 15 | $ 4,831,000 | $ 322,066 | $ 95,000 |
| Middlesex, Massachusetts | 11 | $ 2,685,000 | $ 244,090 | $ 71,000 |
| Hillsborough, New Hampshire | 9 | $ 1,774,000 | $ 197,111 | $ 13,000 |
| Washington, Rhode Island | 9 | $ 2,547,000 | $ 283,000 | $ 105,000 |
| Broward, Florida | 7 | $ 1,240,000 | $ 177,142 | $ 74,000 |
| Oklahoma, Oklahoma | 7 | $ 1,108,000 | $ 158,285 | $ 45,000 |
| Newport, Rhode Island | 7 | $ 1,647,000 | $ 235,285 | $ 76,000 |
| Bexar, Texas | 7 | $ 1,186,000 | $ 169,428 | $ 47,000 |
| Litchfield, Connecticut | 6 | $ 1,453,000 | $ 242,166 | $ 34,000 |
| Windham, Connecticut | 6 | $ 935,000 | $ 155,833 | $ 18,000 |
| Orange, Florida | 6 | $ 1,474,000 | $ 245,666 | $ 17,000 |
| Essex, Massachusetts | 6 | $ 1,921,000 | $ 320,166 | $ 69,000 |
| Rockingham, New Hampshire | 6 | $ 1,403,000 | $ 233,833 | $ 64,000 |
| Erie, New York | 6 | $ 969,000 | $ 161,500 | $ 59,000 |
| Suffolk, New York | 6 | $ 2,024,000 | $ 337,333 | $ 97,000 |
| Bristol, Rhode Island | 6 | $ 1,366,000 | $ 227,666 | $ 67,000 |
| Harris, Texas | 6 | $ 995,000 | $ 165,833 | $ 39,000 |
| Fairfield, Connecticut | 5 | $ 1,137,000 | $ 227,400 | $ 59,000 |
| Worcester, Massachusetts | 5 | $ 1,056,000 | $ 211,200 | $ 15,000 |
| Gloucester, New Jersey | 5 | $ 953,000 | $ 190,600 | $ 35,000 |
| Northampton, Pennsylvania | 5 | $ 770,000 | $ 154,000 | $ 38,000 |
| King, Washington | 5 | $ 1,301,000 | $ 260,200 | $ 76,000 |
| Bossier, Louisiana | 4 | $ 562,000 | $ 140,500 | $ 78,000 |
| Hampden, Massachusetts | 4 | $ 770,000 | $ 192,500 | $ 92,000 |
| Ocean, New Jersey | 4 | $ 899,000 | $ 224,750 | $ 54,000 |
| Monroe, New York | 4 | $ 659,000 | $ 164,750 | $ 38,000 |
| Minnehaha, South Dakota | 4 | $ 591,000 | $ 147,750 | $ 20,000 |
| Davidson, Tennessee | 4 | $ 940,000 | $ 235,000 | $ 76,000 |
| Pierce, Washington | 4 | $ 991,000 | $ 247,750 | $ 50,000 |
| Natrona, Wyoming | 4 | $ 695,000 | $ 173,750 | $ 30,000 |
| Kern, California | 3 | $ 432,000 | $ 144,000 | $ 11,000 |
| Hillsborough, Florida | 3 | $ 436,000 | $ 145,333 | $ 25,000 |
| Tippecanoe, Indiana | 3 | $ 429,000 | $ 143,000 | $ 0 |
| Calcasieu, Louisiana | 3 | $ 438,000 | $ 146,000 | $ 68,000 |
| Harford, Maryland | 3 | $ 757,000 | $ 252,333 | $ 91,000 |
| Strafford, New Hampshire | 3 | $ 646,000 | $ 215,333 | $ 60,000 |
| Bergen, New Jersey | 3 | $ 888,000 | $ 296,000 | $ 111,000 |
| Orange, New York | 3 | $ 749,000 | $ 249,666 | $ 50,000 |
| Bucks, Pennsylvania | 3 | $ 637,000 | $ 212,333 | $ 51,000 |
| Philadelphia, Pennsylvania | 3 | $ 494,000 | $ 164,666 | $ 28,000 |
| Denton, Texas | 3 | $ 449,000 | $ 149,666 | $ 37,000 |
| Galveston, Texas | 3 | $ 475,000 | $ 158,333 | $ 83,000 |
| Travis, Texas | 3 | $ 547,000 | $ 182,333 | $ 49,000 |
| Yakima, Washington | 3 | $ 602,000 | $ 200,666 | $ 19,000 |
| Middlesex, Connecticut | 2 | $ 335,000 | $ 167,500 | $ 103,000 |
| New London, Connecticut | 2 | $ 480,000 | $ 240,000 | $ 0 |
| District of Columbia, District Of Columbia | 2 | $ 517,000 | $ 258,500 | $ 32,000 |
| Leon, Florida | 2 | $ 343,000 | $ 171,500 | $ 41,000 |
| Miami-Dade, Florida | 2 | $ 377,000 | $ 188,500 | $ 9,000 |
| Pasco, Florida | 2 | $ 272,000 | $ 136,000 | $ 0 |
| Sarasota, Florida | 2 | $ 393,000 | $ 196,500 | $ 67,000 |
| St. Lucie, Florida | 2 | $ 277,000 | $ 138,500 | $ 70,000 |
| Cobb, Georgia | 2 | $ 432,000 | $ 216,000 | $ 76,000 |
| Fulton, Georgia | 2 | $ 350,000 | $ 175,000 | $ 75,000 |
| Gwinnett, Georgia | 2 | $ 362,000 | $ 181,000 | $ 38,000 |
| Lake, Indiana | 2 | $ 335,000 | $ 167,500 | $ 19,000 |
| Porter, Indiana | 2 | $ 286,000 | $ 143,000 | $ 36,000 |
| Ascension, Louisiana | 2 | $ 397,000 | $ 198,500 | $ 51,000 |
| Orleans, Louisiana | 2 | $ 348,000 | $ 174,000 | $ 48,000 |
| St. Tammany, Louisiana | 2 | $ 333,000 | $ 166,500 | $ 31,000 |
| Baltimore City, Maryland | 2 | $ 457,000 | $ 228,500 | $ 0 |
| Prince George's, Maryland | 2 | $ 322,000 | $ 161,000 | $ 0 |
| Barnstable, Massachusetts | 2 | $ 520,000 | $ 260,000 | $ 33,000 |
| Cascade, Montana | 2 | $ 363,000 | $ 181,500 | $ 60,000 |
| Ravalli, Montana | 2 | $ 341,000 | $ 170,500 | $ 66,000 |
| Silver Bow, Montana | 2 | $ 320,000 | $ 160,000 | $ 54,000 |
| Cheshire, New Hampshire | 2 | $ 321,000 | $ 160,500 | $ 18,000 |
| Grafton, New Hampshire | 2 | $ 373,000 | $ 186,500 | $ 67,000 |
| Merrimack, New Hampshire | 2 | $ 466,000 | $ 233,000 | $ 127,000 |
| Burlington, New Jersey | 2 | $ 312,000 | $ 156,000 | $ 65,000 |
| Camden, New Jersey | 2 | $ 265,000 | $ 132,500 | $ 42,000 |
| Essex, New Jersey | 2 | $ 372,000 | $ 186,000 | $ 35,000 |
| Hudson, New Jersey | 2 | $ 508,000 | $ 254,000 | $ 74,000 |
| Mercer, New Jersey | 2 | $ 401,000 | $ 200,500 | $ 0 |
| Somerset, New Jersey | 2 | $ 354,000 | $ 177,000 | $ 0 |
| Bernalillo, New Mexico | 2 | $ 299,000 | $ 149,500 | $ 0 |
| Dutchess, New York | 2 | $ 487,000 | $ 243,500 | $ 0 |
| Kings, New York | 2 | $ 1,060,000 | $ 530,000 | $ 160,000 |
| Nassau, New York | 2 | $ 714,000 | $ 357,000 | $ 71,000 |
| Niagara, New York | 2 | $ 270,000 | $ 135,000 | $ 18,000 |
| Queens, New York | 2 | $ 630,000 | $ 315,000 | $ 92,000 |
| Rensselaer, New York | 2 | $ 291,000 | $ 145,500 | $ 0 |
| Saratoga, New York | 2 | $ 451,000 | $ 225,500 | $ 52,000 |
| Schenectady, New York | 2 | $ 305,000 | $ 152,500 | $ 26,000 |
| Steuben, New York | 2 | $ 326,000 | $ 163,000 | $ 0 |
| Union, North Carolina | 2 | $ 493,000 | $ 246,500 | $ 83,000 |
| Wake, North Carolina | 2 | $ 327,000 | $ 163,500 | $ 0 |
| Canadian, Oklahoma | 2 | $ 305,000 | $ 152,500 | $ 0 |
| Cleveland, Oklahoma | 2 | $ 312,000 | $ 156,000 | $ 31,000 |
| Allegheny, Pennsylvania | 2 | $ 300,000 | $ 150,000 | $ 43,000 |
| Berks, Pennsylvania | 2 | $ 311,000 | $ 155,500 | $ 87,000 |
| Lackawanna, Pennsylvania | 2 | $ 413,000 | $ 206,500 | $ 82,000 |
| Greenwood, South Carolina | 2 | $ 371,000 | $ 185,500 | $ 26,000 |
| Pennington, South Dakota | 2 | $ 315,000 | $ 157,500 | $ 37,000 |
| Rutherford, Tennessee | 2 | $ 305,000 | $ 152,500 | $ 32,000 |
| Bell, Texas | 2 | $ 270,000 | $ 135,000 | $ 35,000 |
| Ellis, Texas | 2 | $ 369,000 | $ 184,500 | $ 28,000 |
| Chesterfield, Virginia | 2 | $ 368,000 | $ 184,000 | $ 46,000 |
| Roanoke, Virginia | 2 | $ 304,000 | $ 152,000 | $ 0 |
| Roanoke City, Virginia | 2 | $ 283,000 | $ 141,500 | $ 0 |
| Virginia Beach, Virginia | 2 | $ 327,000 | $ 163,500 | $ 79,000 |
| Clark, Washington | 2 | $ 571,000 | $ 285,500 | $ 111,000 |
| Kitsap, Washington | 2 | $ 347,000 | $ 173,500 | $ 67,000 |
| Snohomish, Washington | 2 | $ 339,000 | $ 169,500 | $ 39,000 |
| Spokane, Washington | 2 | $ 336,000 | $ 168,000 | $ 48,000 |
| Autauga, Alabama | 1 | $ 247,000 | $ 247,000 | $ 170,000 |
| Baldwin, Alabama | 1 | $ 137,000 | $ 137,000 | $ 0 |
| Blount, Alabama | 1 | $ 130,000 | $ 130,000 | $ 0 |
| Dale, Alabama | 1 | $ 266,000 | $ 266,000 | $ 111,000 |
| Houston, Alabama | 1 | $ 155,000 | $ 155,000 | $ 124,000 |
| Jefferson, Alabama | 1 | $ 153,000 | $ 153,000 | $ 47,000 |
| Lee, Alabama | 1 | $ 199,000 | $ 199,000 | $ 0 |
| Marengo, Alabama | 1 | $ 132,000 | $ 132,000 | $ 0 |
| Mobile, Alabama | 1 | $ 149,000 | $ 149,000 | $ 61,000 |
| Montgomery, Alabama | 1 | $ 140,000 | $ 140,000 | $ 0 |
| Morgan, Alabama | 1 | $ 129,000 | $ 129,000 | $ 0 |
| Del Norte, California | 1 | $ 230,000 | $ 230,000 | $ 51,000 |
| Los Angeles, California | 1 | $ 300,000 | $ 300,000 | $ 61,000 |
| San Diego, California | 1 | $ 209,000 | $ 209,000 | $ 44,000 |
| San Joaquin, California | 1 | $ 264,000 | $ 264,000 | $ 55,000 |
| Sonoma, California | 1 | $ 376,000 | $ 376,000 | $ 109,000 |
| Tolland, Connecticut | 1 | $ 169,000 | $ 169,000 | $ 0 |
| Calhoun, Florida | 1 | $ 131,000 | $ 131,000 | $ 0 |
| Clay, Florida | 1 | $ 173,000 | $ 173,000 | $ 75,000 |
| Duval, Florida | 1 | $ 141,000 | $ 141,000 | $ 0 |
| Madison, Florida | 1 | $ 136,000 | $ 136,000 | $ 0 |
| Martin, Florida | 1 | $ 310,000 | $ 310,000 | $ 120,000 |
| Okaloosa, Florida | 1 | $ 151,000 | $ 151,000 | $ 169,000 |
| Pinellas, Florida | 1 | $ 154,000 | $ 154,000 | $ 125,000 |
| Coweta, Georgia | 1 | $ 148,000 | $ 148,000 | $ 47,000 |
| DeKalb, Georgia | 1 | $ 140,000 | $ 140,000 | $ 0 |
| Fayette, Georgia | 1 | $ 146,000 | $ 146,000 | $ 0 |
| Hall, Georgia | 1 | $ 229,000 | $ 229,000 | $ 120,000 |
| Jackson, Georgia | 1 | $ 159,000 | $ 159,000 | $ 60,000 |
| Lee, Georgia | 1 | $ 207,000 | $ 207,000 | $ 91,000 |
| Long, Georgia | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Pickens, Georgia | 1 | $ 161,000 | $ 161,000 | $ 0 |
| Rockdale, Georgia | 1 | $ 193,000 | $ 193,000 | $ 59,000 |
| Hamilton, Indiana | 1 | $ 137,000 | $ 137,000 | $ 0 |
| Hendricks, Indiana | 1 | $ 286,000 | $ 286,000 | $ 134,000 |
| Howard, Indiana | 1 | $ 124,000 | $ 124,000 | $ 0 |
| Jefferson, Indiana | 1 | $ 142,000 | $ 142,000 | $ 0 |
| Morgan, Indiana | 1 | $ 129,000 | $ 129,000 | $ 0 |
| Acadia, Louisiana | 1 | $ 168,000 | $ 168,000 | $ 113,000 |
| Assumption, Louisiana | 1 | $ 141,000 | $ 141,000 | $ 0 |
| Avoyelles, Louisiana | 1 | $ 192,000 | $ 192,000 | $ 37,000 |
| East Baton Rouge, Louisiana | 1 | $ 172,000 | $ 172,000 | $ 0 |
| Iberia, Louisiana | 1 | $ 158,000 | $ 158,000 | $ 0 |
| Jefferson, Louisiana | 1 | $ 144,000 | $ 144,000 | $ 0 |
| Lafayette, Louisiana | 1 | $ 146,000 | $ 146,000 | $ 0 |
| Natchitoches, Louisiana | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Ouachita, Louisiana | 1 | $ 132,000 | $ 132,000 | $ 0 |
| St. Charles, Louisiana | 1 | $ 155,000 | $ 155,000 | $ 90,000 |
| Tangipahoa, Louisiana | 1 | $ 136,000 | $ 136,000 | $ 0 |
| Vernon, Louisiana | 1 | $ 263,000 | $ 263,000 | $ 0 |
| Anne Arundel, Maryland | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Baltimore, Maryland | 1 | $ 190,000 | $ 190,000 | $ 71,000 |
| Calvert, Maryland | 1 | $ 209,000 | $ 209,000 | $ 50,000 |
| Carroll, Maryland | 1 | $ 267,000 | $ 267,000 | $ 72,000 |
| Cecil, Maryland | 1 | $ 320,000 | $ 320,000 | $ 100,000 |
| Charles, Maryland | 1 | $ 172,000 | $ 172,000 | $ 0 |
| St. Mary's, Maryland | 1 | $ 239,000 | $ 239,000 | $ 0 |
| Berkshire, Massachusetts | 1 | $ 169,000 | $ 169,000 | $ 68,000 |
| Franklin, Massachusetts | 1 | $ 248,000 | $ 248,000 | $ 0 |
| Suffolk, Massachusetts | 1 | $ 487,000 | $ 487,000 | $ 101,000 |
| Richland, Montana | 1 | $ 163,000 | $ 163,000 | $ 110,000 |
| Yellowstone, Montana | 1 | $ 268,000 | $ 268,000 | $ 0 |
| Sullivan, New Hampshire | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Atlantic, New Jersey | 1 | $ 243,000 | $ 243,000 | $ 131,000 |
| Cumberland, New Jersey | 1 | $ 160,000 | $ 160,000 | $ 71,000 |
| Middlesex, New Jersey | 1 | $ 204,000 | $ 204,000 | $ 36,000 |
| Passaic, New Jersey | 1 | $ 304,000 | $ 304,000 | $ 0 |
| Union, New Jersey | 1 | $ 169,000 | $ 169,000 | $ 54,000 |
| Albany, New York | 1 | $ 199,000 | $ 199,000 | $ 103,000 |
| Bronx, New York | 1 | $ 344,000 | $ 344,000 | $ 64,000 |
| Chenango, New York | 1 | $ 149,000 | $ 149,000 | $ 114,000 |
| Columbia, New York | 1 | $ 157,000 | $ 157,000 | $ 46,000 |
| Essex, New York | 1 | $ 140,000 | $ 140,000 | $ 0 |
| Franklin, New York | 1 | $ 160,000 | $ 160,000 | $ 56,000 |
| Fulton, New York | 1 | $ 164,000 | $ 164,000 | $ 0 |
| Herkimer, New York | 1 | $ 139,000 | $ 139,000 | $ 0 |
| Onondaga, New York | 1 | $ 132,000 | $ 132,000 | $ 38,000 |
| Putnam, New York | 1 | $ 272,000 | $ 272,000 | $ 102,000 |
| Richmond, New York | 1 | $ 154,000 | $ 154,000 | $ 0 |
| Ulster, New York | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Washington, New York | 1 | $ 161,000 | $ 161,000 | $ 116,000 |
| Westchester, New York | 1 | $ 153,000 | $ 153,000 | $ 35,000 |
| Buncombe, North Carolina | 1 | $ 153,000 | $ 153,000 | $ 0 |
| Columbus, North Carolina | 1 | $ 247,000 | $ 247,000 | $ 0 |
| Durham, North Carolina | 1 | $ 178,000 | $ 178,000 | $ 94,000 |
| Guilford, North Carolina | 1 | $ 172,000 | $ 172,000 | $ 90,000 |
| Henderson, North Carolina | 1 | $ 275,000 | $ 275,000 | $ 0 |
| Johnston, North Carolina | 1 | $ 130,000 | $ 130,000 | $ 56,000 |
| Mecklenburg, North Carolina | 1 | $ 285,000 | $ 285,000 | $ 167,000 |
| Nash, North Carolina | 1 | $ 136,000 | $ 136,000 | $ 0 |
| Stark, North Dakota | 1 | $ 135,000 | $ 135,000 | $ 42,000 |
| Ward, North Dakota | 1 | $ 187,000 | $ 187,000 | $ 110,000 |
| Beckham, Oklahoma | 1 | $ 140,000 | $ 140,000 | $ 0 |
| Comanche, Oklahoma | 1 | $ 137,000 | $ 137,000 | $ 0 |
| Seminole, Oklahoma | 1 | $ 130,000 | $ 130,000 | $ 0 |
| Tulsa, Oklahoma | 1 | $ 135,000 | $ 135,000 | $ 51,000 |
| Washington, Oklahoma | 1 | $ 228,000 | $ 228,000 | $ 0 |
| Columbia, Oregon | 1 | $ 159,000 | $ 159,000 | $ 44,000 |
| Lane, Oregon | 1 | $ 138,000 | $ 138,000 | $ 40,000 |
| Linn, Oregon | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Marion, Oregon | 1 | $ 153,000 | $ 153,000 | $ 31,000 |
| Multnomah, Oregon | 1 | $ 196,000 | $ 196,000 | $ 55,000 |
| Umatilla, Oregon | 1 | $ 186,000 | $ 186,000 | $ 95,000 |
| Union, Oregon | 1 | $ 141,000 | $ 141,000 | $ 0 |
| Adams, Pennsylvania | 1 | $ 154,000 | $ 154,000 | $ 70,000 |
| Beaver, Pennsylvania | 1 | $ 129,000 | $ 129,000 | $ 0 |
| Butler, Pennsylvania | 1 | $ 132,000 | $ 132,000 | $ 49,000 |
| Carbon, Pennsylvania | 1 | $ 92,000 | $ 92,000 | $ 57,000 |
| Dauphin, Pennsylvania | 1 | $ 137,000 | $ 137,000 | $ 0 |
| Delaware, Pennsylvania | 1 | $ 153,000 | $ 153,000 | $ 0 |
| Franklin, Pennsylvania | 1 | $ 131,000 | $ 131,000 | $ 0 |
| Lehigh, Pennsylvania | 1 | $ 214,000 | $ 214,000 | $ 119,000 |
| Montgomery, Pennsylvania | 1 | $ 148,000 | $ 148,000 | $ 0 |
| Washington, Pennsylvania | 1 | $ 134,000 | $ 134,000 | $ 86,000 |
| Westmoreland, Pennsylvania | 1 | $ 181,000 | $ 181,000 | $ 78,000 |
| Wyoming, Pennsylvania | 1 | $ 262,000 | $ 262,000 | $ 124,000 |
| Beaufort, South Carolina | 1 | $ 187,000 | $ 187,000 | $ 130,000 |
| Cherokee, South Carolina | 1 | $ 164,000 | $ 164,000 | $ 50,000 |
| Dorchester, South Carolina | 1 | $ 130,000 | $ 130,000 | $ 0 |
| Greenville, South Carolina | 1 | $ 176,000 | $ 176,000 | $ 57,000 |
| Lancaster, South Carolina | 1 | $ 188,000 | $ 188,000 | $ 90,000 |
| Lexington, South Carolina | 1 | $ 131,000 | $ 131,000 | $ 37,000 |
| Richland, South Carolina | 1 | $ 158,000 | $ 158,000 | $ 85,000 |
| Spartanburg, South Carolina | 1 | $ 131,000 | $ 131,000 | $ 40,000 |
| Williamsburg, South Carolina | 1 | $ 180,000 | $ 180,000 | $ 88,000 |
| Butte, South Dakota | 1 | $ 175,000 | $ 175,000 | $ 53,000 |
| Faulk, South Dakota | 1 | $ 180,000 | $ 180,000 | $ 63,000 |
| Bradley, Tennessee | 1 | $ 147,000 | $ 147,000 | $ 0 |
| Madison, Tennessee | 1 | $ 165,000 | $ 165,000 | $ 64,000 |
| Marion, Tennessee | 1 | $ 206,000 | $ 206,000 | $ 75,000 |
| Sullivan, Tennessee | 1 | $ 174,000 | $ 174,000 | $ 60,000 |
| Sumner, Tennessee | 1 | $ 132,000 | $ 132,000 | $ 0 |
| Unicoi, Tennessee | 1 | $ 180,000 | $ 180,000 | $ 0 |
| Washington, Tennessee | 1 | $ 150,000 | $ 150,000 | $ 204,000 |
| Williamson, Tennessee | 1 | $ 168,000 | $ 168,000 | $ 93,000 |
| Wilson, Tennessee | 1 | $ 214,000 | $ 214,000 | $ 63,000 |
| Angelina, Texas | 1 | $ 152,000 | $ 152,000 | $ 55,000 |
| Brazoria, Texas | 1 | $ 161,000 | $ 161,000 | $ 157,000 |
| Comal, Texas | 1 | $ 140,000 | $ 140,000 | $ 80,000 |
| Dallas, Texas | 1 | $ 133,000 | $ 133,000 | $ 114,000 |
| Ector, Texas | 1 | $ 144,000 | $ 144,000 | $ 130,000 |
| Hardin, Texas | 1 | $ 152,000 | $ 152,000 | $ 0 |
| Hays, Texas | 1 | $ 162,000 | $ 162,000 | $ 123,000 |
| Jasper, Texas | 1 | $ 177,000 | $ 177,000 | $ 63,000 |
| Johnson, Texas | 1 | $ 159,000 | $ 159,000 | $ 0 |
| Kleberg, Texas | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Tarrant, Texas | 1 | $ 142,000 | $ 142,000 | $ 58,000 |
| Victoria, Texas | 1 | $ 202,000 | $ 202,000 | $ 75,000 |
| Webb, Texas | 1 | $ 134,000 | $ 134,000 | $ 0 |
| Albemarle, Virginia | 1 | $ 140,000 | $ 140,000 | $ 0 |
| Chesapeake, Virginia | 1 | $ 161,000 | $ 161,000 | $ 0 |
| Dinwiddie, Virginia | 1 | $ 152,000 | $ 152,000 | $ 57,000 |
| Henrico, Virginia | 1 | $ 232,000 | $ 232,000 | $ 0 |
| Henry, Virginia | 1 | $ 145,000 | $ 145,000 | $ 55,000 |
| Hopewell, Virginia | 1 | $ 137,000 | $ 137,000 | $ 0 |
| King and Queen, Virginia | 1 | $ 140,000 | $ 140,000 | $ 0 |
| Louisa, Virginia | 1 | $ 146,000 | $ 146,000 | $ 46,000 |
| Portsmouth, Virginia | 1 | $ 176,000 | $ 176,000 | $ 82,000 |
| Sussex, Virginia | 1 | $ 290,000 | $ 290,000 | $ 91,000 |
| Washington, Virginia | 1 | $ 182,000 | $ 182,000 | $ 122,000 |
| Winchester, Virginia | 1 | $ 133,000 | $ 133,000 | $ 0 |
| York, Virginia | 1 | $ 136,000 | $ 136,000 | $ 0 |
| Benton, Washington | 1 | $ 162,000 | $ 162,000 | $ 133,000 |
| Chelan, Washington | 1 | $ 152,000 | $ 152,000 | $ 44,000 |
| Cowlitz, Washington | 1 | $ 143,000 | $ 143,000 | $ 0 |
| Douglas, Washington | 1 | $ 152,000 | $ 152,000 | $ 0 |
| Kittitas, Washington | 1 | $ 240,000 | $ 240,000 | $ 103,000 |
| Lewis, Washington | 1 | $ 214,000 | $ 214,000 | $ 118,000 |
| Stevens, Washington | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Thurston, Washington | 1 | $ 137,000 | $ 137,000 | $ 54,000 |
| Albany, Wyoming | 1 | $ 227,000 | $ 227,000 | $ 0 |
| Campbell, Wyoming | 1 | $ 164,000 | $ 164,000 | $ 65,000 |
| Lincoln, Wyoming | 1 | $ 149,000 | $ 149,000 | $ 63,000 |
| Uinta, Wyoming | 1 | $ 245,000 | $ 245,000 | $ 0 |
Mortgage Loan Application Detail Totals for Semper Home Loans, Inc in 2016
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 | 580 | $111,679,000 | $192,000 | $605,000 | $46,000 | $450,000 |
| Home Purchase | 323 | $70,505,000 | $218,000 | $623,000 | $91,000 | $6,180,000 |
| 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 | 685 | $138,349,000 | $201,000 | $605,000 | $57,000 | $312,000 |
| Black or African American | 106 | $20,699,000 | $195,000 | $502,000 | $48,000 | $450,000 |
| Hispanic | 83 | $16,709,000 | $201,000 | $623,000 | $55,000 | $384,000 |
| Not Provided | 14 | $2,944,000 | $210,000 | $344,000 | $67,000 | $160,000 |
| Asian | 14 | $3,353,000 | $239,000 | $400,000 | $503,000 | $6,180,000 |
| American Indian or Alaskan Native | 1 | $130,000 | $130,000 | $130,000 | $0 | $0 |
| Native Hawaiin 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) | 529 | $103,700,000 | $196,000 | $543,000 | $34,000 | $312,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 344 | $70,817,000 | $205,000 | $623,000 | $106,000 | $6,180,000 |
| VA-guaranteed (Veterans Administration) | 22 | $6,038,000 | $274,000 | $586,000 | $73,000 | $158,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 8 | $1,629,000 | $203,000 | $298,000 | $64,000 | $85,000 |
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 | 789 | $156,931,000 | $198,000 | $623,000 | $61,000 | $6,180,000 |
| Application Withdrawn By Applicant | 88 | $19,493,000 | $221,000 | $586,000 | $74,000 | $223,000 |
| Application Denied By Financial Institution | 24 | $5,288,000 | $220,000 | $605,000 | $60,000 | $183,000 |
| File Closed For Incompleteness | 2 | $472,000 | $236,000 | $272,000 | $76,000 | $102,000 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| Collateral | 6 | $1,168,000 | $194,000 | $344,000 | $44,000 | $65,000 |
| Debt-To-Income Ratio | 5 | $1,655,000 | $331,000 | $605,000 | $76,000 | $183,000 |
| Employment History | 2 | $350,000 | $175,000 | $177,000 | $63,000 | $90,000 |
| Credit History | 2 | $295,000 | $147,000 | $158,000 | $60,000 | $63,000 |
| Other | 1 | $93,000 | $93,000 | $93,000 | $55,000 | $55,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 2016 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.
For a list of all lenders in Rhode Island, download the full spreadsheet
with aggregated HMDA statistics today.
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