Semper Home Loans, Inc Mortgage Lending & HMDA Data, 2011
In 2011, Semper Home Loans, Inc of Providence, RI reported 490 mortgage applications totaling $112.7 million, down 28% from 2010. The average application was for $229,979, and applicants reported an average income of $79,936. 93% of its applications resulted in an originated loan and 4% were denied. Its largest markets were New York-White Plains-Wayne, NY-NJ (70), Providence-New Bedford-Fall River, RI-MA (41) and Nassau-Suffolk, NY (36) (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 | 490 |
| Total Mortgage Loan Application Amount | $112,690,000 |
| Average Mortgage Loan Application Amount | $229,979 |
| Highest Mortgage Loan Application Amount | $830,000 |
| Average Applicant Income | $79,936 |
| Highest Applicant Income | $383,000 |
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(HMDA) records Semper Home Loans, Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| New York-White Plains-Wayne, NY-NJ | 70 | $ 23,289,000 | $ 332,700 | $ 103,714 |
| Providence-New Bedford-Fall River, RI-MA | 41 | $ 8,273,000 | $ 201,780 | $ 60,000 |
| Nassau-Suffolk, NY | 36 | $ 12,085,000 | $ 335,694 | $ 115,000 |
| Newark-Union, NJ-PA | 27 | $ 6,492,000 | $ 240,444 | $ 76,296 |
| Edison-New Brunswick, NJ | 24 | $ 5,563,000 | $ 231,791 | $ 84,000 |
| Philadelphia, PA | 15 | $ 3,397,000 | $ 226,466 | $ 75,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 15 | $ 4,073,000 | $ 271,533 | $ 80,400 |
| Poughkeepsie-Newburgh-Middletown, NY | 11 | $ 2,738,000 | $ 248,909 | $ 72,000 |
| Atlanta-Sandy Springs-Marietta, GA | 8 | $ 1,246,000 | $ 155,750 | $ 39,000 |
| Camden, NJ | 8 | $ 1,613,000 | $ 201,625 | $ 83,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 8 | $ 1,950,000 | $ 243,750 | $ 102,875 |
| Hartford-West Hartford-East Hartford, CT | 8 | $ 1,767,000 | $ 220,875 | $ 91,000 |
| Baltimore-Towson, MD | 6 | $ 892,000 | $ 148,666 | $ 50,000 |
| Albany-Schenectady-Troy, NY | 5 | $ 783,000 | $ 156,600 | $ 67,000 |
| Indianapolis-Carmel, IN | 5 | $ 1,057,000 | $ 211,400 | $ 75,000 |
| Oklahoma City, OK | 5 | $ 859,000 | $ 171,800 | $ 52,000 |
| Richmond, VA | 5 | $ 986,000 | $ 197,200 | $ 82,000 |
| Augusta-Richmond County, GA-SC | 4 | $ 445,000 | $ 111,250 | $ 47,500 |
| Norwich-New London, CT | 4 | $ 767,000 | $ 191,750 | $ 66,000 |
| Rochester, NY | 4 | $ 619,000 | $ 154,750 | $ 61,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 4 | $ 710,000 | $ 177,500 | $ 57,000 |
| Albuquerque, NM | 3 | $ 511,000 | $ 170,333 | $ 43,000 |
| Asheville, NC | 3 | $ 601,000 | $ 200,333 | $ 73,000 |
| Baton Rouge, LA | 3 | $ 511,000 | $ 170,333 | $ 97,000 |
| Buffalo-Niagara Falls, NY | 3 | $ 579,000 | $ 193,000 | $ 83,000 |
| Denver-Aurora-Broomfield, CO | 3 | $ 659,000 | $ 219,666 | $ 73,000 |
| Fayetteville, NC | 3 | $ 542,000 | $ 180,666 | $ 114,000 |
| Greenville-Mauldin-Easley, SC | 3 | $ 335,000 | $ 111,666 | $ 27,000 |
| Lebanon, PA | 3 | $ 469,000 | $ 156,333 | $ 73,000 |
| Pittsburgh, PA | 3 | $ 412,000 | $ 137,333 | $ 53,000 |
| Reading, PA | 3 | $ 513,000 | $ 171,000 | $ 75,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 2 | $ 524,000 | $ 262,000 | $ 130,000 |
| Austin-Round Rock-San Marcos, TX | 2 | $ 570,000 | $ 285,000 | $ 94,000 |
| Bethesda-Rockville-Frederick, MD | 2 | $ 821,000 | $ 410,500 | $ 133,000 |
| Bridgeport-Stamford-Norwalk, CT | 2 | $ 997,000 | $ 498,500 | $ 141,000 |
| Burlington, NC | 2 | $ 258,000 | $ 129,000 | $ 62,000 |
| Charleston, WV | 2 | $ 444,000 | $ 222,000 | $ 74,000 |
| Charleston-North Charleston-Summerville, SC | 2 | $ 610,000 | $ 305,000 | $ 97,000 |
| Colorado Springs, CO | 2 | $ 617,000 | $ 308,500 | $ 69,000 |
| Columbus, IN | 2 | $ 279,000 | $ 139,500 | $ 49,000 |
| Elkhart-Goshen, IN | 2 | $ 410,000 | $ 205,000 | $ 63,000 |
| Erie, PA | 2 | $ 249,000 | $ 124,500 | $ 60,000 |
| Glens Falls, NY | 2 | $ 346,000 | $ 173,000 | $ 81,000 |
| Las Cruces, NM | 2 | $ 266,000 | $ 133,000 | $ 111,000 |
| Los Angeles-Long Beach-Glendale, CA | 2 | $ 778,000 | $ 389,000 | $ 139,000 |
| Lynchburg, VA | 2 | $ 301,000 | $ 150,500 | $ 53,000 |
| Raleigh-Cary, NC | 2 | $ 254,000 | $ 127,000 | $ 80,000 |
| Roanoke, VA | 2 | $ 283,000 | $ 141,500 | $ 42,000 |
| Tulsa, OK | 2 | $ 274,000 | $ 137,000 | $ 61,000 |
| Winchester, VA-WV | 2 | $ 342,000 | $ 171,000 | $ 51,000 |
| Alexandria, LA | 1 | $ 138,000 | $ 138,000 | $ 68,000 |
| Anniston-Oxford, AL | 1 | $ 128,000 | $ 128,000 | $ 57,000 |
| Auburn-Opelika, AL | 1 | $ 124,000 | $ 124,000 | $ 45,000 |
| Boise City-Nampa, ID | 1 | $ 115,000 | $ 115,000 | $ 23,000 |
| Columbus, GA-AL | 1 | $ 138,000 | $ 138,000 | $ 69,000 |
| Dallas-Plano-Irving, TX | 1 | $ 216,000 | $ 216,000 | $ 141,000 |
| Decatur, AL | 1 | $ 140,000 | $ 140,000 | $ 43,000 |
| Durham-Chapel Hill, NC | 1 | $ 135,000 | $ 135,000 | $ 41,000 |
| Elmira, NY | 1 | $ 144,000 | $ 144,000 | $ 48,000 |
| Fargo, ND-MN | 1 | $ 206,000 | $ 206,000 | $ 72,000 |
| Fort Collins-Loveland, CO | 1 | $ 157,000 | $ 157,000 | $ 37,000 |
| Fort Smith, AR-OK | 1 | $ 117,000 | $ 117,000 | $ 57,000 |
| Hickory-Lenoir-Morganton, NC | 1 | $ 108,000 | $ 108,000 | $ 39,000 |
| Houma-Bayou Cane-Thibodaux, LA | 1 | $ 214,000 | $ 214,000 | $ 256,000 |
| Houston-Sugar Land-Baytown, TX | 1 | $ 129,000 | $ 129,000 | $ 97,000 |
| Johnstown, PA | 1 | $ 136,000 | $ 136,000 | $ 41,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 210,000 | $ 210,000 | $ 90,000 |
| Kingston, NY | 1 | $ 159,000 | $ 159,000 | $ 57,000 |
| Lafayette, LA | 1 | $ 210,000 | $ 210,000 | $ 62,000 |
| Lancaster, PA | 1 | $ 159,000 | $ 159,000 | $ 61,000 |
| Lincoln, NE | 1 | $ 114,000 | $ 114,000 | $ 65,000 |
| Longview, TX | 1 | $ 163,000 | $ 163,000 | $ 131,000 |
| Mobile, AL | 1 | $ 164,000 | $ 164,000 | $ 102,000 |
| Montgomery, AL | 1 | $ 129,000 | $ 129,000 | $ 37,000 |
| New Orleans-Metairie-Kenner, LA | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Oakland-Fremont-Hayward, CA | 1 | $ 567,000 | $ 567,000 | $ 141,000 |
| Ocean City, NJ | 1 | $ 220,000 | $ 220,000 | $ 69,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 344,000 | $ 344,000 | $ 153,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 1 | $ 209,000 | $ 209,000 | $ 45,000 |
| Riverside-San Bernardino-Ontario, CA | 1 | $ 140,000 | $ 140,000 | $ 61,000 |
| Salem, OR | 1 | $ 148,000 | $ 148,000 | $ 59,000 |
| San Antonio-New Braunfels, TX | 1 | $ 221,000 | $ 221,000 | $ 89,000 |
| San Francisco-San Mateo-Redwood City, CA | 1 | $ 567,000 | $ 567,000 | $ 85,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 1 | $ 240,000 | $ 240,000 | $ 72,000 |
| Santa Ana-Anaheim-Irvine, CA | 1 | $ 174,000 | $ 174,000 | $ 36,000 |
| Santa Rosa-Petaluma, CA | 1 | $ 235,000 | $ 235,000 | $ 36,000 |
| Savannah, GA | 1 | $ 141,000 | $ 141,000 | $ 38,000 |
| Spartanburg, SC | 1 | $ 168,000 | $ 168,000 | $ 46,000 |
| Syracuse, NY | 1 | $ 122,000 | $ 122,000 | $ 58,000 |
| Victoria, TX | 1 | $ 198,000 | $ 198,000 | $ 120,000 |
| Wilmington, NC | 1 | $ 146,000 | $ 146,000 | $ 47,000 |
Mortgage Loan Application Detail Totals for Semper Home Loans, Inc in 2011
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 | 417 | $93,740,000 | $224,000 | $830,000 | $78,000 | $321,000 |
| Home Purchase | 73 | $18,950,000 | $259,000 | $615,000 | $91,000 | $383,000 |
| 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 | 308 | $73,037,000 | $237,000 | $830,000 | $86,000 | $383,000 |
| Not Provided | 97 | $19,394,000 | $199,000 | $718,000 | $68,000 | $208,000 |
| Black or African American | 39 | $8,367,000 | $214,000 | $421,000 | $68,000 | $201,000 |
| Hispanic | 26 | $6,582,000 | $253,000 | $517,000 | $78,000 | $165,000 |
| Asian | 16 | $3,927,000 | $245,000 | $436,000 | $65,000 | $173,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $1,226,000 | $408,000 | $441,000 | $105,000 | $180,000 |
| American Indian or Alaskan Native | 1 | $157,000 | $157,000 | $157,000 | $51,000 | $51,000 |
| 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 |
|---|---|---|---|---|---|---|
| FHA-insured (Federal Housing Administration) | 328 | $72,578,000 | $221,000 | $718,000 | $72,000 | $245,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 159 | $39,358,000 | $247,000 | $830,000 | $96,000 | $383,000 |
| VA-guaranteed (Veterans Administration) | 3 | $754,000 | $251,000 | $403,000 | $113,000 | $120,000 |
| 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 | 456 | $103,254,000 | $226,000 | $830,000 | $79,000 | $383,000 |
| Application Denied By Financial Institution | 18 | $5,235,000 | $290,000 | $545,000 | $96,000 | $211,000 |
| Application Withdrawn By Applicant | 11 | $2,860,000 | $260,000 | $436,000 | $98,000 | $166,000 |
| Application Approved But Not Accepted | 5 | $1,341,000 | $268,000 | $351,000 | $75,000 | $98,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 7 | $1,996,000 | $285,000 | $421,000 | $100,000 | $211,000 |
| Collateral | 3 | $828,000 | $276,000 | $545,000 | $88,000 | $125,000 |
| Credit History | 3 | $493,000 | $164,000 | $335,000 | $48,000 | $66,000 |
| Other | 1 | $334,000 | $334,000 | $334,000 | $150,000 | $150,000 |
| Unverifiable Information | 1 | $384,000 | $384,000 | $384,000 | $129,000 | $129,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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 2011 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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