Semper Home Loans, Inc Mortgage Lending & HMDA Data, 2017

In 2017, Semper Home Loans, Inc of Providence, RI reported 641 mortgage applications totaling $138.0 million, down 29% from 2016. The average application was for $215,255, and applicants reported an average income of $65,087. 84% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Providence-Warwick, RI-MA (296), East Stroudsburg, PA (33) and Boston, MA (26) (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 641
Total Mortgage Loan Application Amount $137,979,000
Average Mortgage Loan Application Amount $215,255
Highest Mortgage Loan Application Amount $663,000
Average Applicant Income $65,087
Highest Applicant Income $500,000

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(HMDA) records Semper Home Loans, Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for Semper Home Loans, Inc by County in 2017

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 147 $ 31,054,000 $ 211,251 $ 66,000
Bristol, Massachusetts 67 $ 16,499,000 $ 246,253 $ 79,000
Kent, Rhode Island 48 $ 10,247,000 $ 213,479 $ 75,000
Monroe, Pennsylvania 33 $ 6,126,000 $ 185,636 $ 58,000
Washington, Rhode Island 19 $ 4,879,000 $ 256,789 $ 84,000
Norfolk, Massachusetts 11 $ 3,495,000 $ 317,727 $ 190,000
Plymouth, Massachusetts 9 $ 2,329,000 $ 258,777 $ 63,000
Harris, Texas 9 $ 1,321,000 $ 146,777 $ 51,000
Bristol, Rhode Island 8 $ 2,398,000 $ 299,750 $ 108,000
Suffolk, New York 7 $ 1,677,000 $ 239,571 $ 44,000
Newport, Rhode Island 7 $ 2,012,000 $ 287,428 $ 83,000
Suffolk, Massachusetts 6 $ 2,901,000 $ 483,500 $ 67,000
Windham, Connecticut 5 $ 981,000 $ 196,200 $ 76,000
Fairfield, Connecticut 4 $ 1,405,000 $ 351,250 $ 70,000
New London, Connecticut 4 $ 845,000 $ 211,250 $ 55,000
Hillsborough, Florida 4 $ 680,000 $ 170,000 $ 51,000
Worcester, Massachusetts 4 $ 1,038,000 $ 259,500 $ 99,000
Rockingham, New Hampshire 4 $ 833,000 $ 208,250 $ 52,000
Erie, New York 4 $ 652,000 $ 163,000 $ 56,000
King, Washington 4 $ 1,079,000 $ 269,750 $ 65,000
Los Angeles, California 3 $ 980,000 $ 326,666 $ 96,000
New Haven, Connecticut 3 $ 504,000 $ 168,000 $ 31,000
Manatee, Florida 3 $ 646,000 $ 215,333 $ 94,000
Miami-Dade, Florida 3 $ 613,000 $ 204,333 $ 32,000
Hamilton, Indiana 3 $ 440,000 $ 146,666 $ 23,000
Essex, Massachusetts 3 $ 855,000 $ 285,000 $ 74,000
Middlesex, New Jersey 3 $ 622,000 $ 207,333 $ 79,000
Mecklenburg, North Carolina 3 $ 575,000 $ 191,666 $ 97,000
Montgomery, Pennsylvania 3 $ 639,000 $ 213,000 $ 85,000
Pike, Pennsylvania 3 $ 564,000 $ 188,000 $ 41,000
Travis, Texas 3 $ 499,000 $ 166,333 $ 0
Williamson, Texas 3 $ 534,000 $ 178,000 $ 15,000
Pierce, Washington 3 $ 612,000 $ 204,000 $ 28,000
San Bernardino, California 2 $ 228,000 $ 114,000 $ 15,000
Adams, Colorado 2 $ 394,000 $ 197,000 $ 34,000
El Paso, Colorado 2 $ 333,000 $ 166,500 $ 21,000
Pueblo, Colorado 2 $ 312,000 $ 156,000 $ 53,000
Hartford, Connecticut 2 $ 325,000 $ 162,500 $ 27,000
Middlesex, Connecticut 2 $ 415,000 $ 207,500 $ 64,000
Brevard, Florida 2 $ 366,000 $ 183,000 $ 50,000
Orange, Florida 2 $ 473,000 $ 236,500 $ 50,000
Osceola, Florida 2 $ 374,000 $ 187,000 $ 90,000
Palm Beach, Florida 2 $ 596,000 $ 298,000 $ 183,000
Pasco, Florida 2 $ 529,000 $ 264,500 $ 106,000
Seminole, Florida 2 $ 519,000 $ 259,500 $ 46,000
Catoosa, Georgia 2 $ 354,000 $ 177,000 $ 64,000
Columbia, Georgia 2 $ 334,000 $ 167,000 $ 0
Caddo, Louisiana 2 $ 378,000 $ 189,000 $ 127,000
Baltimore, Maryland 2 $ 383,000 $ 191,500 $ 50,000
Barnstable, Massachusetts 2 $ 622,000 $ 311,000 $ 132,000
Hampden, Massachusetts 2 $ 258,000 $ 129,000 $ 25,000
Bergen, New Jersey 2 $ 631,000 $ 315,500 $ 143,000
Niagara, New York 2 $ 374,000 $ 187,000 $ 57,000
Onondaga, New York 2 $ 298,000 $ 149,000 $ 79,000
Rockland, New York 2 $ 656,000 $ 328,000 $ 48,000
Saratoga, New York 2 $ 366,000 $ 183,000 $ 93,000
Burke, North Carolina 2 $ 314,000 $ 157,000 $ 46,000
Johnston, North Carolina 2 $ 341,000 $ 170,500 $ 46,000
Onslow, North Carolina 2 $ 316,000 $ 158,000 $ 34,000
Tulsa, Oklahoma 2 $ 267,000 $ 133,500 $ 18,000
Jackson, Oregon 2 $ 524,000 $ 262,000 $ 45,000
Lehigh, Pennsylvania 2 $ 311,000 $ 155,500 $ 56,000
Luzerne, Pennsylvania 2 $ 365,000 $ 182,500 $ 44,000
Wayne, Pennsylvania 2 $ 249,000 $ 124,500 $ 86,000
York, South Carolina 2 $ 410,000 $ 205,000 $ 21,000
Dallas, Texas 2 $ 195,000 $ 97,500 $ 52,000
Montgomery, Texas 2 $ 359,000 $ 179,500 $ 0
Chesterfield, Virginia 2 $ 387,000 $ 193,500 $ 62,000
Benton, Washington 2 $ 358,000 $ 179,000 $ 52,000
Clark, Washington 2 $ 288,000 $ 144,000 $ 62,000
Whatcom, Washington 2 $ 424,000 $ 212,000 $ 61,000
Covington, Alabama 1 $ 144,000 $ 144,000 $ 53,000
Alameda, California 1 $ 358,000 $ 358,000 $ 97,000
Butte, California 1 $ 179,000 $ 179,000 $ 51,000
Lake, California 1 $ 186,000 $ 186,000 $ 58,000
Merced, California 1 $ 203,000 $ 203,000 $ 54,000
Sacramento, California 1 $ 160,000 $ 160,000 $ 0
San Diego, California 1 $ 458,000 $ 458,000 $ 92,000
Solano, California 1 $ 266,000 $ 266,000 $ 68,000
Denver, Colorado 1 $ 423,000 $ 423,000 $ 110,000
Jefferson, Colorado 1 $ 244,000 $ 244,000 $ 41,000
Litchfield, Connecticut 1 $ 143,000 $ 143,000 $ 0
Tolland, Connecticut 1 $ 182,000 $ 182,000 $ 0
New Castle, Delaware 1 $ 258,000 $ 258,000 $ 61,000
Sussex, Delaware 1 $ 251,000 $ 251,000 $ 86,000
Broward, Florida 1 $ 268,000 $ 268,000 $ 0
Duval, Florida 1 $ 111,000 $ 111,000 $ 21,000
Lake, Florida 1 $ 144,000 $ 144,000 $ 37,000
Sumter, Florida 1 $ 312,000 $ 312,000 $ 46,000
Bibb, Georgia 1 $ 156,000 $ 156,000 $ 46,000
Cherokee, Georgia 1 $ 165,000 $ 165,000 $ 103,000
Cobb, Georgia 1 $ 88,000 $ 88,000 $ 28,000
Douglas, Georgia 1 $ 230,000 $ 230,000 $ 93,000
Forsyth, Georgia 1 $ 198,000 $ 198,000 $ 0
Glynn, Georgia 1 $ 198,000 $ 198,000 $ 62,000
Gwinnett, Georgia 1 $ 159,000 $ 159,000 $ 0
Muscogee, Georgia 1 $ 250,000 $ 250,000 $ 89,000
Newton, Georgia 1 $ 149,000 $ 149,000 $ 75,000
Paulding, Georgia 1 $ 151,000 $ 151,000 $ 0
Walton, Georgia 1 $ 226,000 $ 226,000 $ 65,000
Clark, Indiana 1 $ 149,000 $ 149,000 $ 56,000
Jennings, Indiana 1 $ 134,000 $ 134,000 $ 67,000
LaPorte, Indiana 1 $ 201,000 $ 201,000 $ 91,000
Madison, Indiana 1 $ 140,000 $ 140,000 $ 57,000
Montgomery, Indiana 1 $ 170,000 $ 170,000 $ 95,000
Porter, Indiana 1 $ 233,000 $ 233,000 $ 0
Ascension, Louisiana 1 $ 224,000 $ 224,000 $ 70,000
Jefferson, Louisiana 1 $ 158,000 $ 158,000 $ 81,000
Livingston, Louisiana 1 $ 169,000 $ 169,000 $ 0
St. Bernard, Louisiana 1 $ 176,000 $ 176,000 $ 151,000
St. John the Baptist, Louisiana 1 $ 169,000 $ 169,000 $ 0
Terrebonne, Louisiana 1 $ 152,000 $ 152,000 $ 0
Prince George's, Maryland 1 $ 240,000 $ 240,000 $ 57,000
Franklin, Massachusetts 1 $ 170,000 $ 170,000 $ 0
Missoula, Montana 1 $ 165,000 $ 165,000 $ 0
Teton, Montana 1 $ 175,000 $ 175,000 $ 0
Douglas, Nebraska 1 $ 264,000 $ 264,000 $ 81,000
Sarpy, Nebraska 1 $ 199,000 $ 199,000 $ 65,000
Hillsborough, New Hampshire 1 $ 187,000 $ 187,000 $ 40,000
Burlington, New Jersey 1 $ 155,000 $ 155,000 $ 67,000
Cumberland, New Jersey 1 $ 145,000 $ 145,000 $ 86,000
Gloucester, New Jersey 1 $ 68,000 $ 68,000 $ 67,000
Hunterdon, New Jersey 1 $ 316,000 $ 316,000 $ 240,000
Union, New Jersey 1 $ 139,000 $ 139,000 $ 43,000
Albany, New York 1 $ 145,000 $ 145,000 $ 37,000
Chemung, New York 1 $ 217,000 $ 217,000 $ 61,000
Chenango, New York 1 $ 102,000 $ 102,000 $ 56,000
Fulton, New York 1 $ 136,000 $ 136,000 $ 68,000
Monroe, New York 1 $ 153,000 $ 153,000 $ 0
Nassau, New York 1 $ 238,000 $ 238,000 $ 199,000
Orange, New York 1 $ 143,000 $ 143,000 $ 0
Otsego, New York 1 $ 160,000 $ 160,000 $ 0
Queens, New York 1 $ 384,000 $ 384,000 $ 66,000
Richmond, New York 1 $ 288,000 $ 288,000 $ 66,000
Schenectady, New York 1 $ 180,000 $ 180,000 $ 40,000
Tioga, New York 1 $ 143,000 $ 143,000 $ 0
Ulster, New York 1 $ 140,000 $ 140,000 $ 0
Wayne, New York 1 $ 152,000 $ 152,000 $ 42,000
Westchester, New York 1 $ 559,000 $ 559,000 $ 0
Carteret, North Carolina 1 $ 132,000 $ 132,000 $ 47,000
Madison, North Carolina 1 $ 241,000 $ 241,000 $ 80,000
New Hanover, North Carolina 1 $ 137,000 $ 137,000 $ 0
Orange, North Carolina 1 $ 164,000 $ 164,000 $ 0
Wake, North Carolina 1 $ 139,000 $ 139,000 $ 0
Williams, North Dakota 1 $ 242,000 $ 242,000 $ 151,000
Cherokee, Oklahoma 1 $ 145,000 $ 145,000 $ 52,000
Craig, Oklahoma 1 $ 151,000 $ 151,000 $ 68,000
Jackson, Oklahoma 1 $ 108,000 $ 108,000 $ 164,000
Lincoln, Oklahoma 1 $ 190,000 $ 190,000 $ 79,000
Mayes, Oklahoma 1 $ 210,000 $ 210,000 $ 93,000
Rogers, Oklahoma 1 $ 131,000 $ 131,000 $ 65,000
Douglas, Oregon 1 $ 253,000 $ 253,000 $ 50,000
Josephine, Oregon 1 $ 188,000 $ 188,000 $ 0
Marion, Oregon 1 $ 182,000 $ 182,000 $ 0
Multnomah, Oregon 1 $ 270,000 $ 270,000 $ 0
Umatilla, Oregon 1 $ 134,000 $ 134,000 $ 89,000
Allegheny, Pennsylvania 1 $ 134,000 $ 134,000 $ 44,000
Bucks, Pennsylvania 1 $ 84,000 $ 84,000 $ 39,000
Chester, Pennsylvania 1 $ 77,000 $ 77,000 $ 45,000
Erie, Pennsylvania 1 $ 152,000 $ 152,000 $ 88,000
Franklin, Pennsylvania 1 $ 157,000 $ 157,000 $ 82,000
Northampton, Pennsylvania 1 $ 379,000 $ 379,000 $ 75,000
Philadelphia, Pennsylvania 1 $ 165,000 $ 165,000 $ 0
Horry, South Carolina 1 $ 141,000 $ 141,000 $ 0
Oconee, South Carolina 1 $ 342,000 $ 342,000 $ 83,000
Richland, South Carolina 1 $ 104,000 $ 104,000 $ 0
Sumter, South Carolina 1 $ 74,000 $ 74,000 $ 31,000
Davidson, Tennessee 1 $ 235,000 $ 235,000 $ 63,000
Knox, Tennessee 1 $ 134,000 $ 134,000 $ 27,000
Robertson, Tennessee 1 $ 206,000 $ 206,000 $ 61,000
Scott, Tennessee 1 $ 91,000 $ 91,000 $ 71,000
Shelby, Tennessee 1 $ 138,000 $ 138,000 $ 0
Andrews, Texas 1 $ 132,000 $ 132,000 $ 0
Brewster, Texas 1 $ 144,000 $ 144,000 $ 0
Collin, Texas 1 $ 156,000 $ 156,000 $ 41,000
Denton, Texas 1 $ 135,000 $ 135,000 $ 0
El Paso, Texas 1 $ 128,000 $ 128,000 $ 0
Fort Bend, Texas 1 $ 144,000 $ 144,000 $ 0
Guadalupe, Texas 1 $ 180,000 $ 180,000 $ 0
Hays, Texas 1 $ 161,000 $ 161,000 $ 0
Kaufman, Texas 1 $ 90,000 $ 90,000 $ 56,000
Nueces, Texas 1 $ 159,000 $ 159,000 $ 0
Reeves, Texas 1 $ 163,000 $ 163,000 $ 0
Caroline, Virginia 1 $ 142,000 $ 142,000 $ 56,000
Hanover, Virginia 1 $ 180,000 $ 180,000 $ 46,000
Harrisonburg, Virginia 1 $ 172,000 $ 172,000 $ 0
Henrico, Virginia 1 $ 134,000 $ 134,000 $ 25,000
Virginia Beach, Virginia 1 $ 284,000 $ 284,000 $ 94,000
Grays Harbor, Washington 1 $ 264,000 $ 264,000 $ 49,000
Kitsap, Washington 1 $ 200,000 $ 200,000 $ 39,000
Lewis, Washington 1 $ 189,000 $ 189,000 $ 87,000
Snohomish, Washington 1 $ 129,000 $ 129,000 $ 41,000
Thurston, Washington 1 $ 205,000 $ 205,000 $ 64,000

Mortgage Loan Application Detail Totals for Semper Home Loans, Inc in 2017

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
Home Purchase 324 $73,963,000 $228,000 $663,000 $73,000 $316,000
Refinancing 317 $64,016,000 $201,000 $616,000 $57,000 $500,000
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 461 $99,056,000 $214,000 $572,000 $69,000 $500,000
Hispanic 77 $15,697,000 $203,000 $663,000 $45,000 $150,000
Black or African American 76 $17,410,000 $229,000 $616,000 $63,000 $246,000
Not Provided 14 $2,651,000 $189,000 $384,000 $45,000 $93,000
Asian 11 $2,583,000 $234,000 $415,000 $67,000 $224,000
Native Hawaiian or Other Pacific Islander 2 $582,000 $291,000 $352,000 $92,000 $93,000
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) 378 $80,194,000 $212,000 $663,000 $52,000 $282,000
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 177 $38,228,000 $215,000 $572,000 $92,000 $500,000
VA-guaranteed (Veterans Administration) 77 $17,602,000 $228,000 $616,000 $67,000 $216,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 9 $1,955,000 $217,000 $343,000 $64,000 $91,000

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 540 $116,185,000 $215,000 $616,000 $66,000 $500,000
Application Withdrawn By Applicant 57 $12,909,000 $226,000 $663,000 $65,000 $500,000
Application Denied By Financial Institution 43 $8,609,000 $200,000 $379,000 $52,000 $134,000
File Closed For Incompleteness 1 $276,000 $276,000 $276,000 $0 $0
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
Debt-To-Income Ratio 14 $3,161,000 $225,000 $379,000 $52,000 $105,000
Credit History 7 $1,311,000 $187,000 $300,000 $50,000 $129,000
Collateral 6 $1,012,000 $168,000 $216,000 $57,000 $91,000
Other 5 $985,000 $197,000 $370,000 $85,000 $134,000
Employment History 2 $420,000 $210,000 $281,000 $47,000 $51,000
Insufficient Cash (Downpayment, Closing Cost) 0 $0 $0 $0 $0 $0
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Unverifiable Information 0 $0 $0 $0 $0 $0
Credit Application Incomplete 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Semper Home Loans, Inc's 2017 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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