Semper Home Loans, Inc
HMDA Loan Application Totals
and Mortgage Lending Details
for 2020
Semper Home Loans, Inc 2020 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 | 2,444 |
| Total Mortgage Loan Application Amount | $763,260,000 |
| Average Mortgage Loan Application Amount | $343,000 |
| Highest Mortgage Loan Application Amount | $975,000 |
| Average Applicant Income | $113,000 |
| Highest Applicant Income | $913,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2020 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 2020 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 2020.
| 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 | 468 | $ 122,340,000 | $ 261,000 | $ 87,000 |
| Kent County Rhode Island | 264 | $ 64,810,000 | $ 245,000 | $ 94,000 |
| Bristol County Massachusetts | 77 | $ 24,305,000 | $ 315,000 | $ 108,000 |
| Washington County Rhode Island | 64 | $ 20,180,000 | $ 315,000 | $ 116,000 |
| Los Angeles County California | 48 | $ 20,340,000 | $ 423,000 | $ 148,000 |
| Santa Clara County California | 45 | $ 21,475,000 | $ 477,000 | $ 203,000 |
| King County Washington | 44 | $ 18,030,000 | $ 409,000 | $ 164,000 |
| Snohomish County Washington | 41 | $ 14,625,000 | $ 356,000 | $ 110,000 |
| San Diego County California | 39 | $ 15,565,000 | $ 399,000 | $ 150,000 |
| Middlesex County Massachusetts | 35 | $ 13,195,000 | $ 377,000 | $ 144,000 |
| Monroe County Pennsylvania | 33 | $ 6,755,000 | $ 204,000 | $ 80,000 |
| Norfolk County Massachusetts | 30 | $ 10,660,000 | $ 355,000 | $ 136,000 |
| Fairfax County Virginia | 30 | $ 11,960,000 | $ 398,000 | $ 159,000 |
| Maricopa County Arizona | 29 | $ 7,485,000 | $ 258,000 | $ 67,000 |
| Windham County Connecticut | 29 | $ 6,885,000 | $ 237,000 | $ 86,000 |
| Contra Costa County California | 24 | $ 11,360,000 | $ 473,000 | $ 153,000 |
| Cook County Illinois | 24 | $ 6,220,000 | $ 259,000 | $ 95,000 |
| Plymouth County Massachusetts | 22 | $ 7,580,000 | $ 344,000 | $ 120,000 |
| Alameda County California | 21 | $ 9,215,000 | $ 438,000 | $ 187,000 |
| Orange County California | 21 | $ 8,575,000 | $ 408,000 | $ 147,000 |
| Hampden County Massachusetts | 21 | $ 4,625,000 | $ 220,000 | $ 80,000 |
| Worcester County Massachusetts | 21 | $ 6,455,000 | $ 307,000 | $ 109,000 |
| Wake County North Carolina | 21 | $ 7,595,000 | $ 361,000 | $ 138,000 |
| Bristol County Rhode Island | 18 | $ 5,380,000 | $ 298,000 | $ 101,000 |
| Newport County Rhode Island | 17 | $ 5,655,000 | $ 332,000 | $ 145,000 |
| Loudoun County Virginia | 16 | $ 6,910,000 | $ 431,000 | $ 151,000 |
| Riverside County California | 15 | $ 5,345,000 | $ 356,000 | $ 111,000 |
| Sacramento County California | 14 | $ 5,130,000 | $ 366,000 | $ 130,000 |
| New London County Connecticut | 13 | $ 3,065,000 | $ 235,000 | $ 82,000 |
| Baltimore County Maryland | 12 | $ 3,560,000 | $ 296,000 | $ 150,000 |
| Pierce County Washington | 12 | $ 4,110,000 | $ 342,000 | $ 124,000 |
| Douglas County Colorado | 11 | $ 4,625,000 | $ 420,000 | $ 156,000 |
| Johnson County Kansas | 11 | $ 3,185,000 | $ 289,000 | $ 89,000 |
| Bergen County New Jersey | 11 | $ 4,495,000 | $ 408,000 | $ 153,000 |
| Burlington County New Jersey | 11 | $ 2,435,000 | $ 221,000 | $ 51,000 |
| Allegheny County Pennsylvania | 11 | $ 3,875,000 | $ 352,000 | $ 164,000 |
| Placer County California | 10 | $ 3,730,000 | $ 373,000 | $ 181,000 |
| Denver County Colorado | 10 | $ 4,010,000 | $ 401,000 | $ 171,000 |
| Jefferson County Colorado | 10 | $ 4,790,000 | $ 479,000 | $ 149,000 |
| Fairfield County Connecticut | 10 | $ 3,870,000 | $ 387,000 | $ 165,000 |
| Hillsborough County New Hampshire | 10 | $ 3,060,000 | $ 306,000 | $ 135,000 |
| Hartford County Connecticut | 9 | $ 2,205,000 | $ 245,000 | $ 103,000 |
| Anne Arundel County Maryland | 9 | $ 2,905,000 | $ 322,000 | $ 70,000 |
| Harford County Maryland | 9 | $ 2,255,000 | $ 250,000 | $ 94,000 |
| Morris County New Jersey | 9 | $ 3,035,000 | $ 337,000 | $ 150,000 |
| Mecklenburg County North Carolina | 9 | $ 3,035,000 | $ 337,000 | $ 155,000 |
| Brevard County Florida | 8 | $ 2,610,000 | $ 326,000 | $ 112,000 |
| Forsyth County Georgia | 8 | $ 3,070,000 | $ 383,000 | $ 108,000 |
| Montgomery County Maryland | 8 | $ 3,240,000 | $ 405,000 | $ 127,000 |
| Barnstable County Massachusetts | 8 | $ 2,540,000 | $ 317,000 | $ 115,000 |
| Washington County Oregon | 8 | $ 3,220,000 | $ 402,000 | $ 198,000 |
| Salt Lake County Utah | 8 | $ 2,680,000 | $ 335,000 | $ 119,000 |
| San Joaquin County California | 7 | $ 3,005,000 | $ 429,000 | $ 188,000 |
| Ventura County California | 7 | $ 2,935,000 | $ 419,000 | $ 103,000 |
| New Haven County Connecticut | 7 | $ 1,805,000 | $ 257,000 | $ 118,000 |
| Orange County Florida | 7 | $ 2,335,000 | $ 333,000 | $ 162,000 |
| Pinellas County Florida | 7 | $ 2,375,000 | $ 339,000 | $ 98,000 |
| Howard County Maryland | 7 | $ 2,815,000 | $ 402,000 | $ 154,000 |
| Prince George's County Maryland | 7 | $ 2,455,000 | $ 350,000 | $ 75,000 |
| Essex County New Jersey | 7 | $ 2,815,000 | $ 402,000 | $ 184,000 |
| Middlesex County New Jersey | 7 | $ 2,435,000 | $ 347,000 | $ 159,000 |
| Monmouth County New Jersey | 7 | $ 2,825,000 | $ 403,000 | $ 179,000 |
| Passaic County New Jersey | 7 | $ 2,365,000 | $ 337,000 | $ 161,000 |
| Carbon County Pennsylvania | 7 | $ 1,145,000 | $ 163,000 | $ 60,000 |
| Stanislaus County California | 6 | $ 1,390,000 | $ 231,000 | $ 45,000 |
| Tulare County California | 6 | $ 1,670,000 | $ 278,000 | $ 96,000 |
| El Paso County Colorado | 6 | $ 2,600,000 | $ 433,000 | $ 40,000 |
| District of Columbia County District Of Columbia | 6 | $ 2,900,000 | $ 483,000 | $ 186,000 |
| Broward County Florida | 6 | $ 1,660,000 | $ 276,000 | $ 82,000 |
| Gwinnett County Georgia | 6 | $ 1,470,000 | $ 245,000 | $ 27,000 |
| Suffolk County Massachusetts | 6 | $ 2,570,000 | $ 428,000 | $ 141,000 |
| Bernalillo County New Mexico | 6 | $ 1,450,000 | $ 241,000 | $ 170,000 |
| Sandoval County New Mexico | 6 | $ 1,380,000 | $ 230,000 | $ 116,000 |
| Chester County Pennsylvania | 6 | $ 2,020,000 | $ 336,000 | $ 161,000 |
| Montgomery County Pennsylvania | 6 | $ 1,740,000 | $ 290,000 | $ 141,000 |
| Wayne County Pennsylvania | 6 | $ 1,160,000 | $ 193,000 | $ 101,000 |
| Bexar County Texas | 6 | $ 910,000 | $ 151,000 | $ 165,000 |
| Prince William County Virginia | 6 | $ 2,560,000 | $ 426,000 | $ 121,000 |
| Skagit County Washington | 6 | $ 1,730,000 | $ 288,000 | $ 57,000 |
| San Bernardino County California | 5 | $ 1,885,000 | $ 377,000 | $ 53,000 |
| San Mateo County California | 5 | $ 1,995,000 | $ 399,000 | $ 250,000 |
| Santa Barbara County California | 5 | $ 1,605,000 | $ 321,000 | $ 88,000 |
| Solano County California | 5 | $ 1,645,000 | $ 329,000 | $ 186,000 |
| Arapahoe County Colorado | 5 | $ 1,855,000 | $ 371,000 | $ 108,000 |
| Tolland County Connecticut | 5 | $ 1,365,000 | $ 273,000 | $ 50,000 |
| DeKalb County Georgia | 5 | $ 1,455,000 | $ 291,000 | $ 104,000 |
| Henry County Georgia | 5 | $ 1,215,000 | $ 243,000 | $ 53,000 |
| Essex County Massachusetts | 5 | $ 1,885,000 | $ 377,000 | $ 141,000 |
| Rockingham County New Hampshire | 5 | $ 1,505,000 | $ 301,000 | $ 70,000 |
| Camden County New Jersey | 5 | $ 1,055,000 | $ 211,000 | $ 63,000 |
| Nassau County New York | 5 | $ 1,895,000 | $ 379,000 | $ 140,000 |
| Greenville County South Carolina | 5 | $ 1,265,000 | $ 253,000 | $ 68,000 |
| Williamson County Tennessee | 5 | $ 2,005,000 | $ 401,000 | $ 125,000 |
| San Luis Obispo County California | 4 | $ 1,610,000 | $ 402,000 | $ 178,000 |
| Boulder County Colorado | 4 | $ 1,680,000 | $ 420,000 | $ 99,000 |
| Cobb County Georgia | 4 | $ 1,470,000 | $ 367,000 | $ 167,000 |
| Oakland County Michigan | 4 | $ 1,390,000 | $ 347,000 | $ 112,000 |
| Union County New Jersey | 4 | $ 1,460,000 | $ 365,000 | $ 67,000 |
| Suffolk County New York | 4 | $ 1,540,000 | $ 385,000 | $ 127,000 |
| Cuyahoga County Ohio | 4 | $ 1,030,000 | $ 257,000 | $ 124,000 |
| Linn County Oregon | 4 | $ 1,250,000 | $ 312,000 | $ 74,000 |
| Bucks County Pennsylvania | 4 | $ 1,680,000 | $ 420,000 | $ 173,000 |
| Lehigh County Pennsylvania | 4 | $ 1,070,000 | $ 267,000 | $ 116,000 |
| Philadelphia County Pennsylvania | 4 | $ 1,150,000 | $ 287,000 | $ 112,000 |
| Pike County Pennsylvania | 4 | $ 600,000 | $ 150,000 | $ 122,000 |
| Spartanburg County South Carolina | 4 | $ 930,000 | $ 232,000 | $ 48,000 |
| Harris County Texas | 4 | $ 1,100,000 | $ 275,000 | $ 102,000 |
| Kitsap County Washington | 4 | $ 1,680,000 | $ 420,000 | $ 115,000 |
| Whatcom County Washington | 4 | $ 1,670,000 | $ 417,000 | $ 101,000 |
| Madison County Alabama | 3 | $ 1,085,000 | $ 361,000 | $ 138,000 |
| Adams County Colorado | 3 | $ 1,175,000 | $ 391,000 | $ 215,000 |
| Broomfield County Colorado | 3 | $ 1,145,000 | $ 381,000 | $ 163,000 |
| New Castle County Delaware | 3 | $ 1,215,000 | $ 405,000 | $ 145,000 |
| Manatee County Florida | 3 | $ 1,115,000 | $ 371,000 | $ 111,000 |
| Miami-Dade County Florida | 3 | $ 1,285,000 | $ 428,000 | $ 170,000 |
| Palm Beach County Florida | 3 | $ 745,000 | $ 248,000 | $ 61,000 |
| Pasco County Florida | 3 | $ 895,000 | $ 298,000 | $ 147,000 |
| Sarasota County Florida | 3 | $ 1,065,000 | $ 355,000 | $ 196,000 |
| St. Johns County Florida | 3 | $ 1,355,000 | $ 451,000 | $ 100,000 |
| Clayton County Georgia | 3 | $ 365,000 | $ 121,000 | $ 33,000 |
| Baltimore City County Maryland | 3 | $ 525,000 | $ 175,000 | $ 85,000 |
| Carroll County Maryland | 3 | $ 1,075,000 | $ 358,000 | $ 64,000 |
| Frederick County Maryland | 3 | $ 955,000 | $ 318,000 | $ 135,000 |
| Berkshire County Massachusetts | 3 | $ 865,000 | $ 288,000 | $ 94,000 |
| Carroll County New Hampshire | 3 | $ 675,000 | $ 225,000 | $ 119,000 |
| Hudson County New Jersey | 3 | $ 1,355,000 | $ 451,000 | $ 145,000 |
| Hunterdon County New Jersey | 3 | $ 1,245,000 | $ 415,000 | $ 164,000 |
| Tulsa County Oklahoma | 3 | $ 1,105,000 | $ 368,000 | $ 158,000 |
| Delaware County Pennsylvania | 3 | $ 1,005,000 | $ 335,000 | $ 128,000 |
| Charleston County South Carolina | 3 | $ 865,000 | $ 288,000 | $ 108,000 |
| Lexington County South Carolina | 3 | $ 715,000 | $ 238,000 | $ 97,000 |
| Davis County Utah | 3 | $ 1,085,000 | $ 361,000 | $ 96,000 |
| Utah County Utah | 3 | $ 1,155,000 | $ 385,000 | $ 136,000 |
| Alexandria County Virginia | 3 | $ 1,165,000 | $ 388,000 | $ 237,000 |
| Chesterfield County Virginia | 3 | $ 1,275,000 | $ 425,000 | $ 78,000 |
| Henrico County Virginia | 3 | $ 1,165,000 | $ 388,000 | $ 117,000 |
| James City County Virginia | 3 | $ 885,000 | $ 295,000 | $ 207,000 |
| Virginia Beach County Virginia | 3 | $ 1,305,000 | $ 435,000 | $ 146,000 |
| Island County Washington | 3 | $ 1,065,000 | $ 355,000 | $ 107,000 |
| Coffee County Alabama | 2 | $ 590,000 | $ 295,000 | $ 0 |
| Pima County Arizona | 2 | $ 580,000 | $ 290,000 | $ 98,000 |
| El Dorado County California | 2 | $ 710,000 | $ 355,000 | $ 61,000 |
| Monterey County California | 2 | $ 1,030,000 | $ 515,000 | $ 296,000 |
| Napa County California | 2 | $ 960,000 | $ 480,000 | $ 127,000 |
| Santa Cruz County California | 2 | $ 940,000 | $ 470,000 | $ 130,000 |
| Yolo County California | 2 | $ 930,000 | $ 465,000 | $ 176,000 |
| Weld County Colorado | 2 | $ 740,000 | $ 370,000 | $ 0 |
| Alachua County Florida | 2 | $ 580,000 | $ 290,000 | $ 64,000 |
| Sumter County Florida | 2 | $ 540,000 | $ 270,000 | $ 41,000 |
| Columbia County Georgia | 2 | $ 620,000 | $ 310,000 | $ 142,000 |
| Fayette County Georgia | 2 | $ 630,000 | $ 315,000 | $ 196,000 |
| Fulton County Georgia | 2 | $ 840,000 | $ 420,000 | $ 142,000 |
| Kane County Illinois | 2 | $ 460,000 | $ 230,000 | $ 119,000 |
| Lake County Illinois | 2 | $ 510,000 | $ 255,000 | $ 97,000 |
| Will County Illinois | 2 | $ 430,000 | $ 215,000 | $ 45,000 |
| Hamilton County Indiana | 2 | $ 810,000 | $ 405,000 | $ 223,000 |
| Dallas County Iowa | 2 | $ 810,000 | $ 405,000 | $ 163,000 |
| Leavenworth County Kansas | 2 | $ 530,000 | $ 265,000 | $ 77,000 |
| Wyandotte County Kansas | 2 | $ 530,000 | $ 265,000 | $ 191,000 |
| Penobscot County Maine | 2 | $ 460,000 | $ 230,000 | $ 105,000 |
| Kent County Michigan | 2 | $ 670,000 | $ 335,000 | $ 118,000 |
| Macomb County Michigan | 2 | $ 510,000 | $ 255,000 | $ 90,000 |
| Sarpy County Nebraska | 2 | $ 680,000 | $ 340,000 | $ 103,000 |
| Merrimack County New Hampshire | 2 | $ 510,000 | $ 255,000 | $ 207,000 |
| Ocean County New Jersey | 2 | $ 610,000 | $ 305,000 | $ 183,000 |
| Somerset County New Jersey | 2 | $ 640,000 | $ 320,000 | $ 162,000 |
| Albany County New York | 2 | $ 880,000 | $ 440,000 | $ 56,000 |
| Guilford County North Carolina | 2 | $ 730,000 | $ 365,000 | $ 76,000 |
| Ashland County Ohio | 2 | $ 380,000 | $ 190,000 | $ 75,000 |
| Clackamas County Oregon | 2 | $ 930,000 | $ 465,000 | $ 211,000 |
| Berks County Pennsylvania | 2 | $ 290,000 | $ 145,000 | $ 86,000 |
| Lackawanna County Pennsylvania | 2 | $ 290,000 | $ 145,000 | $ 41,000 |
| Northampton County Pennsylvania | 2 | $ 510,000 | $ 255,000 | $ 115,000 |
| Dorchester County South Carolina | 2 | $ 590,000 | $ 295,000 | $ 0 |
| Horry County South Carolina | 2 | $ 320,000 | $ 160,000 | $ 25,000 |
| Oconee County South Carolina | 2 | $ 270,000 | $ 135,000 | $ 63,000 |
| Davidson County Tennessee | 2 | $ 660,000 | $ 330,000 | $ 42,000 |
| Montgomery County Tennessee | 2 | $ 470,000 | $ 235,000 | $ 33,000 |
| Bell County Texas | 2 | $ 310,000 | $ 155,000 | $ 51,000 |
| Collin County Texas | 2 | $ 920,000 | $ 460,000 | $ 99,000 |
| Dallas County Texas | 2 | $ 410,000 | $ 205,000 | $ 137,000 |
| Denton County Texas | 2 | $ 680,000 | $ 340,000 | $ 75,000 |
| Guadalupe County Texas | 2 | $ 320,000 | $ 160,000 | $ 70,000 |
| Montgomery County Texas | 2 | $ 860,000 | $ 430,000 | $ 0 |
| Weber County Utah | 2 | $ 640,000 | $ 320,000 | $ 81,000 |
| Arlington County Virginia | 2 | $ 1,250,000 | $ 625,000 | $ 74,000 |
| Chesapeake County Virginia | 2 | $ 860,000 | $ 430,000 | $ 0 |
| Stafford County Virginia | 2 | $ 710,000 | $ 355,000 | $ 159,000 |
| Benton County Washington | 2 | $ 710,000 | $ 355,000 | $ 199,000 |
| Clark County Washington | 2 | $ 840,000 | $ 420,000 | $ 101,000 |
| Cowlitz County Washington | 2 | $ 710,000 | $ 355,000 | $ 53,000 |
| Spokane County Washington | 2 | $ 660,000 | $ 330,000 | $ 38,000 |
| Baldwin County Alabama | 1 | $ 315,000 | $ 315,000 | $ 0 |
| Jefferson County Alabama | 1 | $ 405,000 | $ 405,000 | $ 136,000 |
| Limestone County Alabama | 1 | $ 355,000 | $ 355,000 | $ 151,000 |
| Graham County Arizona | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Mohave County Arizona | 1 | $ 285,000 | $ 285,000 | $ 57,000 |
| Pinal County Arizona | 1 | $ 215,000 | $ 215,000 | $ 63,000 |
| Yavapai County Arizona | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Butte County California | 1 | $ 265,000 | $ 265,000 | $ 65,000 |
| Fresno County California | 1 | $ 215,000 | $ 215,000 | $ 101,000 |
| Kern County California | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Kings County California | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Madera County California | 1 | $ 285,000 | $ 285,000 | $ 0 |
| Merced County California | 1 | $ 205,000 | $ 205,000 | $ 123,000 |
| Nevada County California | 1 | $ 455,000 | $ 455,000 | $ 173,000 |
| San Benito County California | 1 | $ 445,000 | $ 445,000 | $ 164,000 |
| San Francisco County California | 1 | $ 435,000 | $ 435,000 | $ 106,000 |
| Sonoma County California | 1 | $ 375,000 | $ 375,000 | $ 79,000 |
| Sutter County California | 1 | $ 65,000 | $ 65,000 | $ 78,000 |
| Huerfano County Colorado | 1 | $ 275,000 | $ 275,000 | $ 59,000 |
| Litchfield County Connecticut | 1 | $ 285,000 | $ 285,000 | $ 131,000 |
| Middlesex County Connecticut | 1 | $ 185,000 | $ 185,000 | $ 75,000 |
| Sussex County Delaware | 1 | $ 445,000 | $ 445,000 | $ 439,000 |
| Baker County Florida | 1 | $ 265,000 | $ 265,000 | $ 126,000 |
| Collier County Florida | 1 | $ 305,000 | $ 305,000 | $ 94,000 |
| Hillsborough County Florida | 1 | $ 475,000 | $ 475,000 | $ 102,000 |
| Jackson County Florida | 1 | $ 175,000 | $ 175,000 | $ 58,000 |
| Lee County Florida | 1 | $ 295,000 | $ 295,000 | $ 79,000 |
| Martin County Florida | 1 | $ 465,000 | $ 465,000 | $ 103,000 |
| Monroe County Florida | 1 | $ 135,000 | $ 135,000 | $ 52,000 |
| Okaloosa County Florida | 1 | $ 445,000 | $ 445,000 | $ 0 |
| Osceola County Florida | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Polk County Florida | 1 | $ 215,000 | $ 215,000 | $ 35,000 |
| Seminole County Florida | 1 | $ 385,000 | $ 385,000 | $ 92,000 |
| St. Lucie County Florida | 1 | $ 155,000 | $ 155,000 | $ 49,000 |
| Baldwin County Georgia | 1 | $ 435,000 | $ 435,000 | $ 152,000 |
| Chatham County Georgia | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Glynn County Georgia | 1 | $ 435,000 | $ 435,000 | $ 0 |
| Hall County Georgia | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Jones County Georgia | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Paulding County Georgia | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Rockdale County Georgia | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Spalding County Georgia | 1 | $ 165,000 | $ 165,000 | $ 0 |
| DuPage County Illinois | 1 | $ 365,000 | $ 365,000 | $ 134,000 |
| Madison County Illinois | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Boone County Indiana | 1 | $ 455,000 | $ 455,000 | $ 134,000 |
| Elkhart County Indiana | 1 | $ 395,000 | $ 395,000 | $ 120,000 |
| Johnson County Indiana | 1 | $ 355,000 | $ 355,000 | $ 187,000 |
| Lake County Indiana | 1 | $ 125,000 | $ 125,000 | $ 49,000 |
| Marion County Indiana | 1 | $ 145,000 | $ 145,000 | $ 93,000 |
| Ripley County Indiana | 1 | $ 535,000 | $ 535,000 | $ 0 |
| St. Joseph County Indiana | 1 | $ 325,000 | $ 325,000 | $ 124,000 |
| Vanderburgh County Indiana | 1 | $ 75,000 | $ 75,000 | $ 63,000 |
| Polk County Iowa | 1 | $ 145,000 | $ 145,000 | $ 55,000 |
| Scott County Iowa | 1 | $ 175,000 | $ 175,000 | $ 70,000 |
| Finney County Kansas | 1 | $ 145,000 | $ 145,000 | $ 85,000 |
| St. Tammany County Louisiana | 1 | $ 405,000 | $ 405,000 | $ 100,000 |
| Aroostook County Maine | 1 | $ 125,000 | $ 125,000 | $ 181,000 |
| Cumberland County Maine | 1 | $ 245,000 | $ 245,000 | $ 78,000 |
| Oxford County Maine | 1 | $ 385,000 | $ 385,000 | $ 254,000 |
| Waldo County Maine | 1 | $ 185,000 | $ 185,000 | $ 50,000 |
| York County Maine | 1 | $ 295,000 | $ 295,000 | $ 170,000 |
| Allegany County Maryland | 1 | $ 215,000 | $ 215,000 | $ 80,000 |
| Charles County Maryland | 1 | $ 365,000 | $ 365,000 | $ 164,000 |
| Talbot County Maryland | 1 | $ 385,000 | $ 385,000 | $ 164,000 |
| Washington County Maryland | 1 | $ 235,000 | $ 235,000 | $ 53,000 |
| Dukes County Massachusetts | 1 | $ 325,000 | $ 325,000 | $ 205,000 |
| Ingham County Michigan | 1 | $ 365,000 | $ 365,000 | $ 204,000 |
| Isabella County Michigan | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Kalamazoo County Michigan | 1 | $ 165,000 | $ 165,000 | $ 104,000 |
| Livingston County Michigan | 1 | $ 245,000 | $ 245,000 | $ 73,000 |
| Muskegon County Michigan | 1 | $ 115,000 | $ 115,000 | $ 70,000 |
| Roscommon County Michigan | 1 | $ 105,000 | $ 105,000 | $ 26,000 |
| Saginaw County Michigan | 1 | $ 335,000 | $ 335,000 | $ 0 |
| Wayne County Michigan | 1 | $ 355,000 | $ 355,000 | $ 155,000 |
| Jackson County Missouri | 1 | $ 165,000 | $ 165,000 | $ 89,000 |
| St. Charles County Missouri | 1 | $ 325,000 | $ 325,000 | $ 145,000 |
| Hill County Montana | 1 | $ 195,000 | $ 195,000 | $ 73,000 |
| Missoula County Montana | 1 | $ 365,000 | $ 365,000 | $ 126,000 |
| Park County Montana | 1 | $ 515,000 | $ 515,000 | $ 93,000 |
| Cass County Nebraska | 1 | $ 265,000 | $ 265,000 | $ 157,000 |
| Dodge County Nebraska | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Douglas County Nebraska | 1 | $ 225,000 | $ 225,000 | $ 52,000 |
| Cheshire County New Hampshire | 1 | $ 245,000 | $ 245,000 | $ 73,000 |
| Grafton County New Hampshire | 1 | $ 125,000 | $ 125,000 | $ 101,000 |
| Gloucester County New Jersey | 1 | $ 215,000 | $ 215,000 | $ 47,000 |
| Mercer County New Jersey | 1 | $ 215,000 | $ 215,000 | $ 50,000 |
| Sussex County New Jersey | 1 | $ 295,000 | $ 295,000 | $ 61,000 |
| Greene County New York | 1 | $ 135,000 | $ 135,000 | $ 97,000 |
| Lewis County New York | 1 | $ 155,000 | $ 155,000 | $ 53,000 |
| Livingston County New York | 1 | $ 165,000 | $ 165,000 | $ 120,000 |
| Monroe County New York | 1 | $ 155,000 | $ 155,000 | $ 78,000 |
| Oneida County New York | 1 | $ 135,000 | $ 135,000 | $ 55,000 |
| Onondaga County New York | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Orange County New York | 1 | $ 315,000 | $ 315,000 | $ 146,000 |
| Queens County New York | 1 | $ 115,000 | $ 115,000 | $ 24,000 |
| Warren County New York | 1 | $ 165,000 | $ 165,000 | $ 121,000 |
| Buncombe County North Carolina | 1 | $ 465,000 | $ 465,000 | $ 125,000 |
| Cherokee County North Carolina | 1 | $ 135,000 | $ 135,000 | $ 42,000 |
| Cumberland County North Carolina | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Davidson County North Carolina | 1 | $ 355,000 | $ 355,000 | $ 172,000 |
| Granville County North Carolina | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Henderson County North Carolina | 1 | $ 485,000 | $ 485,000 | $ 147,000 |
| Hoke County North Carolina | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Iredell County North Carolina | 1 | $ 385,000 | $ 385,000 | $ 208,000 |
| Johnston County North Carolina | 1 | $ 185,000 | $ 185,000 | $ 36,000 |
| Lincoln County North Carolina | 1 | $ 425,000 | $ 425,000 | $ 0 |
| Onslow County North Carolina | 1 | $ 215,000 | $ 215,000 | $ 66,000 |
| Pender County North Carolina | 1 | $ 355,000 | $ 355,000 | $ 120,000 |
| Union County North Carolina | 1 | $ 405,000 | $ 405,000 | $ 125,000 |
| Clark County Ohio | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Clinton County Ohio | 1 | $ 125,000 | $ 125,000 | $ 62,000 |
| Hocking County Ohio | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Ottawa County Ohio | 1 | $ 975,000 | $ 975,000 | $ 292,000 |
| Pickaway County Ohio | 1 | $ 295,000 | $ 295,000 | $ 167,000 |
| Comanche County Oklahoma | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Grady County Oklahoma | 1 | $ 185,000 | $ 185,000 | $ 0 |
| McClain County Oklahoma | 1 | $ 405,000 | $ 405,000 | $ 0 |
| Payne County Oklahoma | 1 | $ 105,000 | $ 105,000 | $ 61,000 |
| Hood River County Oregon | 1 | $ 475,000 | $ 475,000 | $ 162,000 |
| Josephine County Oregon | 1 | $ 415,000 | $ 415,000 | $ 0 |
| Lane County Oregon | 1 | $ 385,000 | $ 385,000 | $ 87,000 |
| Multnomah County Oregon | 1 | $ 385,000 | $ 385,000 | $ 233,000 |
| Dauphin County Pennsylvania | 1 | $ 365,000 | $ 365,000 | $ 104,000 |
| Franklin County Pennsylvania | 1 | $ 145,000 | $ 145,000 | $ 61,000 |
| Lancaster County Pennsylvania | 1 | $ 435,000 | $ 435,000 | $ 94,000 |
| Lebanon County Pennsylvania | 1 | $ 185,000 | $ 185,000 | $ 45,000 |
| Northumberland County Pennsylvania | 1 | $ 125,000 | $ 125,000 | $ 36,000 |
| Westmoreland County Pennsylvania | 1 | $ 195,000 | $ 195,000 | $ 110,000 |
| Anderson County South Carolina | 1 | $ 105,000 | $ 105,000 | $ 32,000 |
| Beaufort County South Carolina | 1 | $ 515,000 | $ 515,000 | $ 307,000 |
| Kershaw County South Carolina | 1 | $ 235,000 | $ 235,000 | $ 66,000 |
| Lancaster County South Carolina | 1 | $ 385,000 | $ 385,000 | $ 86,000 |
| Newberry County South Carolina | 1 | $ 165,000 | $ 165,000 | $ 45,000 |
| Richland County South Carolina | 1 | $ 355,000 | $ 355,000 | $ 283,000 |
| York County South Carolina | 1 | $ 395,000 | $ 395,000 | $ 170,000 |
| Lincoln County South Dakota | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Pennington County South Dakota | 1 | $ 175,000 | $ 175,000 | $ 73,000 |
| Anderson County Tennessee | 1 | $ 315,000 | $ 315,000 | $ 0 |
| Bradley County Tennessee | 1 | $ 265,000 | $ 265,000 | $ 96,000 |
| Hamilton County Tennessee | 1 | $ 395,000 | $ 395,000 | $ 221,000 |
| Hancock County Tennessee | 1 | $ 505,000 | $ 505,000 | $ 210,000 |
| Overton County Tennessee | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Shelby County Tennessee | 1 | $ 315,000 | $ 315,000 | $ 140,000 |
| Sumner County Tennessee | 1 | $ 405,000 | $ 405,000 | $ 135,000 |
| Weakley County Tennessee | 1 | $ 105,000 | $ 105,000 | $ 82,000 |
| Wilson County Tennessee | 1 | $ 325,000 | $ 325,000 | $ 0 |
| Comal County Texas | 1 | $ 545,000 | $ 545,000 | $ 0 |
| Ellis County Texas | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Fannin County Texas | 1 | $ 455,000 | $ 455,000 | $ 0 |
| Fort Bend County Texas | 1 | $ 195,000 | $ 195,000 | $ 160,000 |
| Hays County Texas | 1 | $ 355,000 | $ 355,000 | $ 100,000 |
| Parker County Texas | 1 | $ 255,000 | $ 255,000 | $ 163,000 |
| Tarrant County Texas | 1 | $ 505,000 | $ 505,000 | $ 0 |
| Tom Green County Texas | 1 | $ 325,000 | $ 325,000 | $ 0 |
| Travis County Texas | 1 | $ 465,000 | $ 465,000 | $ 0 |
| Tyler County Texas | 1 | $ 135,000 | $ 135,000 | $ 61,000 |
| Van Zandt County Texas | 1 | $ 235,000 | $ 235,000 | $ 130,000 |
| Summit County Utah | 1 | $ 355,000 | $ 355,000 | $ 108,000 |
| Washington County Utah | 1 | $ 425,000 | $ 425,000 | $ 192,000 |
| Franklin County Vermont | 1 | $ 115,000 | $ 115,000 | $ 26,000 |
| Rutland County Vermont | 1 | $ 195,000 | $ 195,000 | $ 78,000 |
| Windham County Vermont | 1 | $ 215,000 | $ 215,000 | $ 68,000 |
| Albemarle County Virginia | 1 | $ 425,000 | $ 425,000 | $ 137,000 |
| Falls Church County Virginia | 1 | $ 395,000 | $ 395,000 | $ 239,000 |
| Fauquier County Virginia | 1 | $ 505,000 | $ 505,000 | $ 0 |
| Frederick County Virginia | 1 | $ 445,000 | $ 445,000 | $ 117,000 |
| Hanover County Virginia | 1 | $ 375,000 | $ 375,000 | $ 245,000 |
| Louisa County Virginia | 1 | $ 375,000 | $ 375,000 | $ 356,000 |
| Lynchburg County Virginia | 1 | $ 135,000 | $ 135,000 | $ 45,000 |
| Norfolk County Virginia | 1 | $ 395,000 | $ 395,000 | $ 155,000 |
| Richmond City County Virginia | 1 | $ 385,000 | $ 385,000 | $ 0 |
| Stevens County Washington | 1 | $ 285,000 | $ 285,000 | $ 78,000 |
| Thurston County Washington | 1 | $ 315,000 | $ 315,000 | $ 0 |
| Yakima County Washington | 1 | $ 195,000 | $ 195,000 | $ 0 |
Mortgage Loan Application Detail Totals for Semper Home Loans, Inc in 2020
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 | 1,671 | $556,365,000 | $332,000 | $975,000 | $123,000 | $818,000 |
| Home Purchase | 771 | $206,035,000 | $267,000 | $965,000 | $86,000 | $913,000 |
| Cash-out Refinancing | 2 | $860,000 | $430,000 | $515,000 | $130,000 | $185,000 |
| 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 | 1,685 | $516,345,000 | $306,000 | $975,000 | $111,000 | $913,000 |
| Hispanic | 239 | $70,085,000 | $293,000 | $805,000 | $76,000 | $295,000 |
| Asian | 214 | $81,940,000 | $382,000 | $775,000 | $169,000 | $550,000 |
| Black or African American | 132 | $35,850,000 | $271,000 | $715,000 | $72,000 | $214,000 |
| Not Provided | 118 | $36,960,000 | $313,000 | $895,000 | $103,000 | $320,000 |
| American Indian or Alaskan Native | 6 | $1,830,000 | $305,000 | $405,000 | $93,000 | $161,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $1,400,000 | $350,000 | $465,000 | $58,000 | $120,000 |
| 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 |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,621 | $532,515,000 | $328,000 | $975,000 | $137,000 | $818,000 |
| FHA-insured (Federal Housing Administration) | 544 | $141,580,000 | $260,000 | $605,000 | $65,000 | $913,000 |
| VA-guaranteed (Veterans Administration) | 270 | $87,050,000 | $322,000 | $895,000 | $52,000 | $337,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 9 | $2,115,000 | $235,000 | $365,000 | $62,000 | $117,000 |
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 | 2,178 | $684,640,000 | $314,000 | $965,000 | $113,000 | $913,000 |
| Application Withdrawn By Applicant | 191 | $58,635,000 | $306,000 | $975,000 | $106,000 | $606,000 |
| Application Denied By Financial Institution | 69 | $18,545,000 | $268,000 | $585,000 | $76,000 | $195,000 |
| File Closed For Incompleteness | 6 | $1,440,000 | $240,000 | $325,000 | $89,000 | $167,000 |
| 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 | 2,375 | $744,715,000 | $313,000 | $975,000 | $113,000 | $913,000 |
| Debt-To-Income Ratio | 19 | $4,825,000 | $253,000 | $475,000 | $70,000 | $156,000 |
| Other | 13 | $2,885,000 | $221,000 | $425,000 | $61,000 | $111,000 |
| Collateral | 12 | $3,740,000 | $311,000 | $585,000 | $86,000 | $195,000 |
| Employment History | 11 | $2,975,000 | $270,000 | $415,000 | $69,000 | $140,000 |
| Credit History | 11 | $3,335,000 | $303,000 | $465,000 | $99,000 | $147,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $785,000 | $261,000 | $285,000 | $73,000 | $93,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Semper Home Loans, Inc's 2020 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 Delaware, download the full spreadsheet
with aggregated HMDA statistics today.