Semper Home Loans, Inc
HMDA Loan Application Totals
and Mortgage Lending Details
for 2018
Semper Home Loans, Inc 2018 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 | 614 |
| Total Mortgage Loan Application Amount | $138,660,000 |
| Average Mortgage Loan Application Amount | $198,666 |
| Highest Mortgage Loan Application Amount | $1,835,000 |
| Average Applicant Income | $76,000 |
| Highest Applicant Income | $599,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2018 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 2018 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 2018.
| 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 | 139 | $ 31,505,000 | $ 226,000 | $ 75,000 |
| Washington County Rhode Island | 31 | $ 9,245,000 | $ 298,000 | $ 111,000 |
| Kent County Rhode Island | 28 | $ 6,650,000 | $ 237,000 | $ 81,000 |
| Monroe County Pennsylvania | 21 | $ 3,705,000 | $ 176,000 | $ 71,000 |
| Hampden County Massachusetts | 17 | $ 3,375,000 | $ 198,000 | $ 62,000 |
| New London County Connecticut | 9 | $ 2,035,000 | $ 226,000 | $ 84,000 |
| East Baton Rouge County Louisiana | 8 | $ 1,090,000 | $ 136,000 | $ 51,000 |
| Bexar County Texas | 8 | $ 1,390,000 | $ 173,000 | $ 75,000 |
| Hillsborough County Florida | 7 | $ 1,505,000 | $ 215,000 | $ 58,000 |
| Pasco County Florida | 7 | $ 1,545,000 | $ 220,000 | $ 74,000 |
| Windham County Connecticut | 6 | $ 1,170,000 | $ 195,000 | $ 59,000 |
| Bristol County Massachusetts | 6 | $ 1,840,000 | $ 306,000 | $ 174,000 |
| Richmond County New York | 6 | $ 2,040,000 | $ 340,000 | $ 86,000 |
| Plymouth County Massachusetts | 5 | $ 1,575,000 | $ 315,000 | $ 107,000 |
| Benton County Oregon | 5 | $ 905,000 | $ 181,000 | $ 108,000 |
| Bristol County Rhode Island | 5 | $ 1,235,000 | $ 247,000 | $ 100,000 |
| Williamson County Tennessee | 5 | $ 1,605,000 | $ 321,000 | $ 73,000 |
| Harris County Texas | 5 | $ 805,000 | $ 161,000 | $ 89,000 |
| King County Washington | 5 | $ 2,165,000 | $ 433,000 | $ 174,000 |
| Kern County California | 4 | $ 960,000 | $ 240,000 | $ 57,000 |
| Orange County Florida | 4 | $ 1,180,000 | $ 295,000 | $ 79,000 |
| Cook County Illinois | 4 | $ 840,000 | $ 210,000 | $ 87,000 |
| Mecklenburg County North Carolina | 4 | $ 870,000 | $ 217,000 | $ 98,000 |
| Newport County Rhode Island | 4 | $ 1,220,000 | $ 305,000 | $ 92,000 |
| Dorchester County South Carolina | 4 | $ 810,000 | $ 202,000 | $ 57,000 |
| Davidson County Tennessee | 4 | $ 930,000 | $ 232,000 | $ 62,000 |
| Comal County Texas | 4 | $ 980,000 | $ 245,000 | $ 84,000 |
| Dallas County Texas | 4 | $ 830,000 | $ 207,000 | $ 79,000 |
| Guadalupe County Texas | 4 | $ 560,000 | $ 140,000 | $ 75,000 |
| Wilson County Texas | 4 | $ 1,030,000 | $ 257,000 | $ 115,000 |
| Utah County Utah | 4 | $ 1,100,000 | $ 275,000 | $ 158,000 |
| Los Angeles County California | 3 | $ 1,275,000 | $ 425,000 | $ 83,000 |
| Brevard County Florida | 3 | $ 695,000 | $ 231,000 | $ 62,000 |
| Pinellas County Florida | 3 | $ 675,000 | $ 225,000 | $ 64,000 |
| St. Lucie County Florida | 3 | $ 615,000 | $ 205,000 | $ 62,000 |
| Volusia County Florida | 3 | $ 465,000 | $ 155,000 | $ 40,000 |
| Middlesex County Massachusetts | 3 | $ 845,000 | $ 281,000 | $ 113,000 |
| Suffolk County Massachusetts | 3 | $ 1,395,000 | $ 465,000 | $ 110,000 |
| Worcester County Massachusetts | 3 | $ 705,000 | $ 235,000 | $ 103,000 |
| Kings County New York | 3 | $ 1,445,000 | $ 481,000 | $ 138,000 |
| Pike County Pennsylvania | 3 | $ 505,000 | $ 168,000 | $ 65,000 |
| Wayne County Pennsylvania | 3 | $ 455,000 | $ 151,000 | $ 81,000 |
| Dickson County Tennessee | 3 | $ 745,000 | $ 248,000 | $ 112,000 |
| Tarrant County Texas | 3 | $ 735,000 | $ 245,000 | $ 105,000 |
| Madison County Alabama | 2 | $ 560,000 | $ 280,000 | $ 67,000 |
| Riverside County California | 2 | $ 610,000 | $ 305,000 | $ 54,000 |
| San Bernardino County California | 2 | $ 360,000 | $ 180,000 | $ 65,000 |
| San Diego County California | 2 | $ 360,000 | $ 180,000 | $ 58,000 |
| Litchfield County Connecticut | 2 | $ 360,000 | $ 180,000 | $ 71,000 |
| Sussex County Delaware | 2 | $ 500,000 | $ 250,000 | $ 112,000 |
| Alachua County Florida | 2 | $ 480,000 | $ 240,000 | $ 112,000 |
| Charlotte County Florida | 2 | $ 280,000 | $ 140,000 | $ 78,000 |
| Lake County Florida | 2 | $ 540,000 | $ 270,000 | $ 60,000 |
| Palm Beach County Florida | 2 | $ 350,000 | $ 175,000 | $ 55,000 |
| Cobb County Georgia | 2 | $ 370,000 | $ 185,000 | $ 76,000 |
| Will County Illinois | 2 | $ 580,000 | $ 290,000 | $ 85,000 |
| Dallas County Iowa | 2 | $ 360,000 | $ 180,000 | $ 59,000 |
| Prince George's County Maryland | 2 | $ 440,000 | $ 220,000 | $ 62,000 |
| Essex County Massachusetts | 2 | $ 590,000 | $ 295,000 | $ 86,000 |
| Norfolk County Massachusetts | 2 | $ 920,000 | $ 460,000 | $ 154,000 |
| Hillsborough County New Hampshire | 2 | $ 500,000 | $ 250,000 | $ 67,000 |
| Burlington County New Jersey | 2 | $ 270,000 | $ 135,000 | $ 75,000 |
| Monmouth County New Jersey | 2 | $ 870,000 | $ 435,000 | $ 118,000 |
| Albany County New York | 2 | $ 250,000 | $ 125,000 | $ 61,000 |
| Nassau County New York | 2 | $ 950,000 | $ 475,000 | $ 178,000 |
| Schenectady County New York | 2 | $ 560,000 | $ 280,000 | $ 110,000 |
| Burke County North Carolina | 2 | $ 330,000 | $ 165,000 | $ 54,000 |
| Cabarrus County North Carolina | 2 | $ 330,000 | $ 165,000 | $ 51,000 |
| Guilford County North Carolina | 2 | $ 200,000 | $ 100,000 | $ 33,000 |
| Randolph County North Carolina | 2 | $ 260,000 | $ 130,000 | $ 36,000 |
| Union County North Carolina | 2 | $ 320,000 | $ 160,000 | $ 55,000 |
| Wake County North Carolina | 2 | $ 370,000 | $ 185,000 | $ 37,000 |
| Oklahoma County Oklahoma | 2 | $ 320,000 | $ 160,000 | $ 79,000 |
| Linn County Oregon | 2 | $ 350,000 | $ 175,000 | $ 59,000 |
| Marion County Oregon | 2 | $ 370,000 | $ 185,000 | $ 46,000 |
| Columbia County Pennsylvania | 2 | $ 220,000 | $ 110,000 | $ 73,000 |
| Luzerne County Pennsylvania | 2 | $ 230,000 | $ 115,000 | $ 48,000 |
| Montgomery County Pennsylvania | 2 | $ 580,000 | $ 290,000 | $ 98,000 |
| Northampton County Pennsylvania | 2 | $ 260,000 | $ 130,000 | $ 65,000 |
| Horry County South Carolina | 2 | $ 370,000 | $ 185,000 | $ 91,000 |
| Pickens County South Carolina | 2 | $ 300,000 | $ 150,000 | $ 80,000 |
| Richland County South Carolina | 2 | $ 270,000 | $ 135,000 | $ 66,000 |
| Hickman County Tennessee | 2 | $ 310,000 | $ 155,000 | $ 46,000 |
| Montgomery County Tennessee | 2 | $ 210,000 | $ 105,000 | $ 70,000 |
| Stewart County Tennessee | 2 | $ 450,000 | $ 225,000 | $ 89,000 |
| Bandera County Texas | 2 | $ 570,000 | $ 285,000 | $ 148,000 |
| Fort Bend County Texas | 2 | $ 690,000 | $ 345,000 | $ 121,000 |
| Cullman County Alabama | 1 | $ 145,000 | $ 145,000 | $ 55,000 |
| DeKalb County Alabama | 1 | $ 125,000 | $ 125,000 | $ 27,000 |
| Jefferson County Alabama | 1 | $ 125,000 | $ 125,000 | $ 26,000 |
| Lake County California | 1 | $ 205,000 | $ 205,000 | $ 52,000 |
| Merced County California | 1 | $ 245,000 | $ 245,000 | $ 55,000 |
| Sacramento County California | 1 | $ 195,000 | $ 195,000 | $ 97,000 |
| San Joaquin County California | 1 | $ 275,000 | $ 275,000 | $ 102,000 |
| Sonoma County California | 1 | $ 365,000 | $ 365,000 | $ 99,000 |
| Tulare County California | 1 | $ 145,000 | $ 145,000 | $ 94,000 |
| Tuolumne County California | 1 | $ 235,000 | $ 235,000 | $ 62,000 |
| Denver County Colorado | 1 | $ 235,000 | $ 235,000 | $ 28,000 |
| Fairfield County Connecticut | 1 | $ 475,000 | $ 475,000 | $ 193,000 |
| Hartford County Connecticut | 1 | $ 155,000 | $ 155,000 | $ 45,000 |
| New Haven County Connecticut | 1 | $ 255,000 | $ 255,000 | $ 97,000 |
| Tolland County Connecticut | 1 | $ 225,000 | $ 225,000 | $ 61,000 |
| Broward County Florida | 1 | $ 75,000 | $ 75,000 | $ 72,000 |
| Citrus County Florida | 1 | $ 165,000 | $ 165,000 | $ 71,000 |
| Clay County Florida | 1 | $ 125,000 | $ 125,000 | $ 50,000 |
| Collier County Florida | 1 | $ 285,000 | $ 285,000 | $ 86,000 |
| Osceola County Florida | 1 | $ 105,000 | $ 105,000 | $ 26,000 |
| Cherokee County Georgia | 1 | $ 135,000 | $ 135,000 | $ 70,000 |
| DeKalb County Georgia | 1 | $ 155,000 | $ 155,000 | $ 36,000 |
| Douglas County Georgia | 1 | $ 255,000 | $ 255,000 | $ 56,000 |
| Fulton County Georgia | 1 | $ 205,000 | $ 205,000 | $ 78,000 |
| Paulding County Georgia | 1 | $ 105,000 | $ 105,000 | $ 28,000 |
| Kane County Illinois | 1 | $ 145,000 | $ 145,000 | $ 51,000 |
| Montgomery County Illinois | 1 | $ 315,000 | $ 315,000 | $ 185,000 |
| Elkhart County Indiana | 1 | $ 135,000 | $ 135,000 | $ 30,000 |
| Hancock County Indiana | 1 | $ 165,000 | $ 165,000 | $ 51,000 |
| Henry County Indiana | 1 | $ 165,000 | $ 165,000 | $ 73,000 |
| Ripley County Indiana | 1 | $ 545,000 | $ 545,000 | $ 94,000 |
| Polk County Iowa | 1 | $ 95,000 | $ 95,000 | $ 58,000 |
| Ascension County Louisiana | 1 | $ 205,000 | $ 205,000 | $ 59,000 |
| Livingston County Louisiana | 1 | $ 195,000 | $ 195,000 | $ 49,000 |
| Morehouse County Louisiana | 1 | $ 95,000 | $ 95,000 | $ 54,000 |
| St. Mary County Louisiana | 1 | $ 155,000 | $ 155,000 | $ 29,000 |
| Tangipahoa County Louisiana | 1 | $ 155,000 | $ 155,000 | $ 42,000 |
| Terrebonne County Louisiana | 1 | $ 125,000 | $ 125,000 | $ 33,000 |
| Baltimore County Maryland | 1 | $ 155,000 | $ 155,000 | $ 69,000 |
| Baltimore City County Maryland | 1 | $ 145,000 | $ 145,000 | $ 43,000 |
| Charles County Maryland | 1 | $ 175,000 | $ 175,000 | $ 62,000 |
| Montgomery County Maryland | 1 | $ 225,000 | $ 225,000 | $ 90,000 |
| Hampshire County Massachusetts | 1 | $ 245,000 | $ 245,000 | $ 170,000 |
| Cascade County Montana | 1 | $ 235,000 | $ 235,000 | $ 75,000 |
| Merrimack County New Hampshire | 1 | $ 215,000 | $ 215,000 | $ 45,000 |
| Rockingham County New Hampshire | 1 | $ 235,000 | $ 235,000 | $ 81,000 |
| Bergen County New Jersey | 1 | $ 215,000 | $ 215,000 | $ 135,000 |
| Camden County New Jersey | 1 | $ 195,000 | $ 195,000 | $ 86,000 |
| Mercer County New Jersey | 1 | $ 195,000 | $ 195,000 | $ 68,000 |
| Middlesex County New Jersey | 1 | $ 285,000 | $ 285,000 | $ 126,000 |
| Bernalillo County New Mexico | 1 | $ 325,000 | $ 325,000 | $ 99,000 |
| Allegany County New York | 1 | $ 195,000 | $ 195,000 | $ 163,000 |
| Broome County New York | 1 | $ 145,000 | $ 145,000 | $ 49,000 |
| Madison County New York | 1 | $ 155,000 | $ 155,000 | $ 103,000 |
| Monroe County New York | 1 | $ 315,000 | $ 315,000 | $ 163,000 |
| Queens County New York | 1 | $ 305,000 | $ 305,000 | $ 61,000 |
| Rensselaer County New York | 1 | $ 115,000 | $ 115,000 | $ 109,000 |
| Suffolk County New York | 1 | $ 435,000 | $ 435,000 | $ 55,000 |
| Alamance County North Carolina | 1 | $ 115,000 | $ 115,000 | $ 76,000 |
| Brunswick County North Carolina | 1 | $ 355,000 | $ 355,000 | $ 98,000 |
| Currituck County North Carolina | 1 | $ 205,000 | $ 205,000 | $ 44,000 |
| Franklin County North Carolina | 1 | $ 135,000 | $ 135,000 | $ 113,000 |
| Harnett County North Carolina | 1 | $ 105,000 | $ 105,000 | $ 64,000 |
| Orange County North Carolina | 1 | $ 105,000 | $ 105,000 | $ 82,000 |
| Rockingham County North Carolina | 1 | $ 125,000 | $ 125,000 | $ 27,000 |
| Grady County Oklahoma | 1 | $ 185,000 | $ 185,000 | $ 91,000 |
| Kay County Oklahoma | 1 | $ 95,000 | $ 95,000 | $ 62,000 |
| Sequoyah County Oklahoma | 1 | $ 125,000 | $ 125,000 | $ 98,000 |
| Lincoln County Oregon | 1 | $ 175,000 | $ 175,000 | $ 55,000 |
| Polk County Oregon | 1 | $ 225,000 | $ 225,000 | $ 48,000 |
| Allegheny County Pennsylvania | 1 | $ 195,000 | $ 195,000 | $ 103,000 |
| Berks County Pennsylvania | 1 | $ 125,000 | $ 125,000 | $ 80,000 |
| Butler County Pennsylvania | 1 | $ 265,000 | $ 265,000 | $ 60,000 |
| Chester County Pennsylvania | 1 | $ 185,000 | $ 185,000 | $ 60,000 |
| Franklin County Pennsylvania | 1 | $ 225,000 | $ 225,000 | $ 90,000 |
| Lackawanna County Pennsylvania | 1 | $ 195,000 | $ 195,000 | $ 63,000 |
| Lancaster County Pennsylvania | 1 | $ 125,000 | $ 125,000 | $ 55,000 |
| Lehigh County Pennsylvania | 1 | $ 125,000 | $ 125,000 | $ 79,000 |
| Westmoreland County Pennsylvania | 1 | $ 155,000 | $ 155,000 | $ 65,000 |
| Aiken County South Carolina | 1 | $ 175,000 | $ 175,000 | $ 44,000 |
| Anderson County South Carolina | 1 | $ 165,000 | $ 165,000 | $ 25,000 |
| Bamberg County South Carolina | 1 | $ 115,000 | $ 115,000 | $ 41,000 |
| Berkeley County South Carolina | 1 | $ 225,000 | $ 225,000 | $ 81,000 |
| Greenville County South Carolina | 1 | $ 155,000 | $ 155,000 | $ 31,000 |
| Laurens County South Carolina | 1 | $ 85,000 | $ 85,000 | $ 76,000 |
| Oconee County South Carolina | 1 | $ 145,000 | $ 145,000 | $ 58,000 |
| Sumter County South Carolina | 1 | $ 115,000 | $ 115,000 | $ 42,000 |
| Hamilton County Tennessee | 1 | $ 185,000 | $ 185,000 | $ 92,000 |
| Henry County Tennessee | 1 | $ 175,000 | $ 175,000 | $ 99,000 |
| Houston County Tennessee | 1 | $ 105,000 | $ 105,000 | $ 139,000 |
| McNairy County Tennessee | 1 | $ 125,000 | $ 125,000 | $ 81,000 |
| Overton County Tennessee | 1 | $ 195,000 | $ 195,000 | $ 33,000 |
| Aransas County Texas | 1 | $ 175,000 | $ 175,000 | $ 49,000 |
| Bastrop County Texas | 1 | $ 135,000 | $ 135,000 | $ 67,000 |
| Burleson County Texas | 1 | $ 275,000 | $ 275,000 | $ 66,000 |
| Denton County Texas | 1 | $ 205,000 | $ 205,000 | $ 73,000 |
| Ellis County Texas | 1 | $ 235,000 | $ 235,000 | $ 95,000 |
| Liberty County Texas | 1 | $ 105,000 | $ 105,000 | $ 59,000 |
| Van Zandt County Texas | 1 | $ 85,000 | $ 85,000 | $ 53,000 |
| Williamson County Texas | 1 | $ 225,000 | $ 225,000 | $ 120,000 |
| Wise County Texas | 1 | $ 135,000 | $ 135,000 | $ 75,000 |
| Juab County Utah | 1 | $ 115,000 | $ 115,000 | $ 43,000 |
| Sanpete County Utah | 1 | $ 205,000 | $ 205,000 | $ 65,000 |
| Washington County Utah | 1 | $ 195,000 | $ 195,000 | $ 65,000 |
| Albemarle County Virginia | 1 | $ 165,000 | $ 165,000 | $ 55,000 |
| James City County Virginia | 1 | $ 145,000 | $ 145,000 | $ 49,000 |
| Norfolk County Virginia | 1 | $ 165,000 | $ 165,000 | $ 69,000 |
| Prince William County Virginia | 1 | $ 205,000 | $ 205,000 | $ 53,000 |
| Roanoke County Virginia | 1 | $ 275,000 | $ 275,000 | $ 141,000 |
| Stafford County Virginia | 1 | $ 255,000 | $ 255,000 | $ 92,000 |
| Tazewell County Virginia | 1 | $ 125,000 | $ 125,000 | $ 148,000 |
| Virginia Beach County Virginia | 1 | $ 255,000 | $ 255,000 | $ 57,000 |
| Grant County Washington | 1 | $ 455,000 | $ 455,000 | $ 159,000 |
| Pierce County Washington | 1 | $ 195,000 | $ 195,000 | $ 177,000 |
| Spokane County Washington | 1 | $ 265,000 | $ 265,000 | $ 78,000 |
| Thurston County Washington | 1 | $ 375,000 | $ 375,000 | $ 99,000 |
| Yakima County Washington | 1 | $ 275,000 | $ 275,000 | $ 67,000 |
Mortgage Loan Application Detail Totals for Semper Home Loans, Inc in 2018
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 | 407 | $96,285,000 | $236,000 | $1,835,000 | $86,000 | $599,000 |
| Refinancing | 205 | $42,065,000 | $205,000 | $665,000 | $70,000 | $227,000 |
| Cash-out Refinancing | 2 | $310,000 | $155,000 | $175,000 | $72,000 | $106,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 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 | 431 | $100,285,000 | $232,000 | $1,835,000 | $86,000 | $599,000 |
| Black or African American | 72 | $14,630,000 | $203,000 | $665,000 | $70,000 | $174,000 |
| Hispanic | 71 | $14,685,000 | $206,000 | $455,000 | $66,000 | $156,000 |
| Not Provided | 24 | $5,380,000 | $224,000 | $445,000 | $68,000 | $172,000 |
| Asian | 13 | $3,045,000 | $234,000 | $485,000 | $76,000 | $138,000 |
| Not applicable | 2 | $480,000 | $240,000 | $255,000 | $68,000 | $81,000 |
| American Indian or Alaskan Native | 1 | $155,000 | $155,000 | $155,000 | $58,000 | $58,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 265 | $56,165,000 | $211,000 | $665,000 | $70,000 | $211,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 212 | $52,660,000 | $248,000 | $1,835,000 | $100,000 | $599,000 |
| VA-guaranteed (Veterans Administration) | 129 | $28,225,000 | $218,000 | $545,000 | $71,000 | $185,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 8 | $1,610,000 | $201,000 | $275,000 | $59,000 | $75,000 |
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 | 545 | $123,605,000 | $226,000 | $1,835,000 | $82,000 | $599,000 |
| Application Withdrawn By Applicant | 48 | $10,590,000 | $220,000 | $585,000 | $74,000 | $170,000 |
| Application Denied By Financial Institution | 19 | $4,125,000 | $217,000 | $345,000 | $71,000 | $148,000 |
| File Closed For Incompleteness | 2 | $340,000 | $170,000 | $175,000 | $41,000 | $48,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 595 | $134,535,000 | $226,000 | $1,835,000 | $81,000 | $599,000 |
| Debt-To-Income Ratio | 8 | $1,680,000 | $210,000 | $315,000 | $72,000 | $145,000 |
| Collateral | 3 | $575,000 | $191,000 | $265,000 | $57,000 | $98,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $775,000 | $258,000 | $345,000 | $81,000 | $112,000 |
| Credit History | 3 | $615,000 | $205,000 | $255,000 | $81,000 | $148,000 |
| Other | 2 | $480,000 | $240,000 | $265,000 | $64,000 | $77,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Semper Home Loans, Inc's 2018 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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