Semper Home Loans, Inc Mortgage Lending & HMDA Data, 2023
In 2023, Semper Home Loans, Inc of Providence, RI reported 703 mortgage applications totaling $233.1 million, down 37% from 2022. The average application was for $331,600, and applicants reported an average income of $103,155. 82% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Providence-Warwick, RI-MA (379), Springfield, MA (74) and Worcester, MA-CT (43) (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 | 703 |
| Total Mortgage Loan Application Amount | $233,115,000 |
| Average Mortgage Loan Application Amount | $331,600 |
| Highest Mortgage Loan Application Amount | $1,955,000 |
| Average Applicant Income | $103,155 |
| Highest Applicant Income | $921,000 |
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(HMDA) records Semper Home Loans, Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 233 | $ 83,465,000 | $ 358,218 | $ 99,000 |
| Kent, Rhode Island | 101 | $ 34,555,000 | $ 342,128 | $ 96,000 |
| Hampden, Massachusetts | 61 | $ 15,895,000 | $ 260,573 | $ 80,000 |
| Windham, Connecticut | 27 | $ 8,525,000 | $ 315,740 | $ 89,000 |
| Hartford, Connecticut | 25 | $ 6,315,000 | $ 252,600 | $ 91,000 |
| Washington, Rhode Island | 23 | $ 9,045,000 | $ 393,260 | $ 143,000 |
| Worcester, Massachusetts | 16 | $ 5,910,000 | $ 369,375 | $ 124,000 |
| Bristol, Massachusetts | 15 | $ 6,315,000 | $ 421,000 | $ 109,000 |
| Monroe, Pennsylvania | 14 | $ 4,260,000 | $ 304,285 | $ 133,000 |
| Hampshire, Massachusetts | 13 | $ 3,525,000 | $ 271,153 | $ 139,000 |
| Cook, Illinois | 12 | $ 3,200,000 | $ 266,666 | $ 110,000 |
| Bexar, Texas | 11 | $ 2,575,000 | $ 234,090 | $ 74,000 |
| New London, Connecticut | 9 | $ 2,565,000 | $ 285,000 | $ 97,000 |
| Berkshire, Massachusetts | 7 | $ 1,625,000 | $ 232,142 | $ 52,000 |
| Ingham, Michigan | 7 | $ 1,375,000 | $ 196,428 | $ 49,000 |
| Middlesex, Massachusetts | 6 | $ 2,740,000 | $ 456,666 | $ 116,000 |
| Manatee, Florida | 5 | $ 1,475,000 | $ 295,000 | $ 98,000 |
| Middlesex, Connecticut | 4 | $ 1,450,000 | $ 362,500 | $ 109,000 |
| New Haven, Connecticut | 4 | $ 710,000 | $ 177,500 | $ 70,000 |
| Bristol, Rhode Island | 4 | $ 1,530,000 | $ 382,500 | $ 145,000 |
| Rutherford, Tennessee | 4 | $ 1,270,000 | $ 317,500 | $ 103,000 |
| Tolland, Connecticut | 3 | $ 1,175,000 | $ 391,666 | $ 153,000 |
| Plymouth, Massachusetts | 3 | $ 1,725,000 | $ 575,000 | $ 125,000 |
| Monmouth, New Jersey | 3 | $ 1,355,000 | $ 451,666 | $ 307,000 |
| Newport, Rhode Island | 3 | $ 915,000 | $ 305,000 | $ 92,000 |
| Litchfield, Connecticut | 2 | $ 590,000 | $ 295,000 | $ 107,000 |
| Lee, Florida | 2 | $ 730,000 | $ 365,000 | $ 139,000 |
| Pinellas, Florida | 2 | $ 630,000 | $ 315,000 | $ 191,000 |
| Kane, Illinois | 2 | $ 580,000 | $ 290,000 | $ 125,000 |
| Barnstable, Massachusetts | 2 | $ 610,000 | $ 305,000 | $ 275,000 |
| Norfolk, Massachusetts | 2 | $ 830,000 | $ 415,000 | $ 159,000 |
| Eaton, Michigan | 2 | $ 360,000 | $ 180,000 | $ 83,000 |
| Middlesex, New Jersey | 2 | $ 630,000 | $ 315,000 | $ 46,000 |
| Ocean, New Jersey | 2 | $ 1,160,000 | $ 580,000 | $ 258,000 |
| Pike, Pennsylvania | 2 | $ 290,000 | $ 145,000 | $ 93,000 |
| Davidson, Tennessee | 2 | $ 520,000 | $ 260,000 | $ 62,000 |
| Warren, Tennessee | 2 | $ 490,000 | $ 245,000 | $ 72,000 |
| Baldwin, Alabama | 1 | $ 555,000 | $ 555,000 | $ 180,000 |
| Santa Clara, California | 1 | $ 255,000 | $ 255,000 | $ 193,000 |
| Fairfield, Connecticut | 1 | $ 185,000 | $ 185,000 | $ 58,000 |
| Brevard, Florida | 1 | $ 155,000 | $ 155,000 | $ 101,000 |
| Citrus, Florida | 1 | $ 345,000 | $ 345,000 | $ 104,000 |
| Flagler, Florida | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Highlands, Florida | 1 | $ 245,000 | $ 245,000 | $ 71,000 |
| Leon, Florida | 1 | $ 305,000 | $ 305,000 | $ 80,000 |
| Marion, Florida | 1 | $ 115,000 | $ 115,000 | $ 40,000 |
| Miami-Dade, Florida | 1 | $ 415,000 | $ 415,000 | $ 0 |
| Okaloosa, Florida | 1 | $ 925,000 | $ 925,000 | $ 0 |
| Palm Beach, Florida | 1 | $ 775,000 | $ 775,000 | $ 703,000 |
| Pasco, Florida | 1 | $ 255,000 | $ 255,000 | $ 146,000 |
| Sarasota, Florida | 1 | $ 195,000 | $ 195,000 | $ 55,000 |
| Volusia, Florida | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Walton, Florida | 1 | $ 1,955,000 | $ 1,955,000 | $ 884,000 |
| Fulton, Georgia | 1 | $ 545,000 | $ 545,000 | $ 0 |
| DuPage, Illinois | 1 | $ 425,000 | $ 425,000 | $ 109,000 |
| Madison, Illinois | 1 | $ 185,000 | $ 185,000 | $ 81,000 |
| Monroe, Illinois | 1 | $ 185,000 | $ 185,000 | $ 131,000 |
| Peoria, Illinois | 1 | $ 225,000 | $ 225,000 | $ 135,000 |
| Boone, Indiana | 1 | $ 265,000 | $ 265,000 | $ 80,000 |
| Sabine, Louisiana | 1 | $ 225,000 | $ 225,000 | $ 156,000 |
| Kennebec, Maine | 1 | $ 145,000 | $ 145,000 | $ 42,000 |
| Suffolk, Massachusetts | 1 | $ 745,000 | $ 745,000 | $ 108,000 |
| Clinton, Michigan | 1 | $ 115,000 | $ 115,000 | $ 68,000 |
| Lewis and Clark, Montana | 1 | $ 585,000 | $ 585,000 | $ 109,000 |
| Lancaster, Nebraska | 1 | $ 175,000 | $ 175,000 | $ 70,000 |
| Belknap, New Hampshire | 1 | $ 425,000 | $ 425,000 | $ 129,000 |
| Rockingham, New Hampshire | 1 | $ 395,000 | $ 395,000 | $ 88,000 |
| Essex, New Jersey | 1 | $ 265,000 | $ 265,000 | $ 259,000 |
| Mercer, New Jersey | 1 | $ 445,000 | $ 445,000 | $ 176,000 |
| Union, New Jersey | 1 | $ 505,000 | $ 505,000 | $ 215,000 |
| Nassau, New York | 1 | $ 455,000 | $ 455,000 | $ 104,000 |
| Richmond, New York | 1 | $ 495,000 | $ 495,000 | $ 134,000 |
| Brunswick, North Carolina | 1 | $ 225,000 | $ 225,000 | $ 74,000 |
| Durham, North Carolina | 1 | $ 255,000 | $ 255,000 | $ 96,000 |
| Guilford, North Carolina | 1 | $ 305,000 | $ 305,000 | $ 72,000 |
| Pamlico, North Carolina | 1 | $ 305,000 | $ 305,000 | $ 89,000 |
| Cuyahoga, Ohio | 1 | $ 305,000 | $ 305,000 | $ 115,000 |
| Stark, Ohio | 1 | $ 455,000 | $ 455,000 | $ 118,000 |
| Woodward, Oklahoma | 1 | $ 315,000 | $ 315,000 | $ 114,000 |
| Erie, Pennsylvania | 1 | $ 165,000 | $ 165,000 | $ 72,000 |
| Lehigh, Pennsylvania | 1 | $ 375,000 | $ 375,000 | $ 185,000 |
| Luzerne, Pennsylvania | 1 | $ 115,000 | $ 115,000 | $ 46,000 |
| Northampton, Pennsylvania | 1 | $ 195,000 | $ 195,000 | $ 79,000 |
| Philadelphia, Pennsylvania | 1 | $ 185,000 | $ 185,000 | $ 103,000 |
| Cumberland, Tennessee | 1 | $ 185,000 | $ 185,000 | $ 75,000 |
| Dickson, Tennessee | 1 | $ 145,000 | $ 145,000 | $ 62,000 |
| Franklin, Tennessee | 1 | $ 245,000 | $ 245,000 | $ 78,000 |
| Houston, Tennessee | 1 | $ 185,000 | $ 185,000 | $ 45,000 |
| Marshall, Tennessee | 1 | $ 395,000 | $ 395,000 | $ 81,000 |
| Montgomery, Tennessee | 1 | $ 175,000 | $ 175,000 | $ 126,000 |
| Robertson, Tennessee | 1 | $ 425,000 | $ 425,000 | $ 230,000 |
| Sevier, Tennessee | 1 | $ 255,000 | $ 255,000 | $ 63,000 |
| Wilson, Tennessee | 1 | $ 335,000 | $ 335,000 | $ 69,000 |
| Collin, Texas | 1 | $ 225,000 | $ 225,000 | $ 110,000 |
| Dallas, Texas | 1 | $ 385,000 | $ 385,000 | $ 203,000 |
| Frio, Texas | 1 | $ 305,000 | $ 305,000 | $ 131,000 |
| Harris, Texas | 1 | $ 375,000 | $ 375,000 | $ 175,000 |
| Hays, Texas | 1 | $ 195,000 | $ 195,000 | $ 53,000 |
| Hunt, Texas | 1 | $ 235,000 | $ 235,000 | $ 114,000 |
| Davis, Utah | 1 | $ 375,000 | $ 375,000 | $ 92,000 |
| Chittenden, Vermont | 1 | $ 305,000 | $ 305,000 | $ 163,000 |
| Windsor, Vermont | 1 | $ 175,000 | $ 175,000 | $ 65,000 |
Mortgage Loan Application Detail Totals for Semper Home Loans, Inc in 2023
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 | 645 | $213,945,000 | $331,000 | $865,000 | $102,000 | $703,000 |
| Refinancing | 58 | $19,170,000 | $330,000 | $1,955,000 | $116,000 | $921,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
| Cash-out Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 439 | $143,685,000 | $327,000 | $1,955,000 | $106,000 | $884,000 |
| Hispanic | 137 | $45,405,000 | $331,000 | $925,000 | $87,000 | $921,000 |
| Black or African American | 57 | $20,285,000 | $355,000 | $865,000 | $95,000 | $446,000 |
| Asian | 39 | $12,765,000 | $327,000 | $685,000 | $118,000 | $378,000 |
| Not Provided | 20 | $6,310,000 | $315,000 | $515,000 | $105,000 | $262,000 |
| American Indian or Alaskan Native | 3 | $1,095,000 | $365,000 | $485,000 | $100,000 | $162,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $315,000 | $315,000 | $315,000 | $104,000 | $104,000 |
| 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) | 389 | $124,095,000 | $319,000 | $1,955,000 | $113,000 | $921,000 |
| FHA-insured (Federal Housing Administration) | 272 | $92,160,000 | $338,000 | $865,000 | $87,000 | $354,000 |
| VA-guaranteed (Veterans Administration) | 42 | $16,860,000 | $401,000 | $615,000 | $113,000 | $285,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 579 | $191,225,000 | $330,000 | $1,955,000 | $103,000 | $921,000 |
| Application Withdrawn By Applicant | 89 | $29,285,000 | $329,000 | $825,000 | $108,000 | $378,000 |
| Application Denied By Financial Institution | 35 | $12,605,000 | $360,000 | $745,000 | $94,000 | $328,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 668 | $220,510,000 | $330,000 | $1,955,000 | $104,000 | $921,000 |
| Debt-To-Income Ratio | 10 | $3,680,000 | $368,000 | $495,000 | $76,000 | $122,000 |
| Collateral | 8 | $2,680,000 | $335,000 | $525,000 | $127,000 | $328,000 |
| Other | 5 | $2,375,000 | $475,000 | $745,000 | $85,000 | $120,000 |
| Unverifiable Information | 5 | $2,025,000 | $405,000 | $515,000 | $133,000 | $201,000 |
| Employment History | 4 | $1,160,000 | $290,000 | $515,000 | $54,000 | $71,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $410,000 | $205,000 | $235,000 | $51,000 | $58,000 |
| Credit History | 1 | $275,000 | $275,000 | $275,000 | $93,000 | $93,000 |
| Mortgage Insurance Denied | 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 2023 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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