Semper Home Loans, Inc
HMDA Loan Application Totals
and Mortgage Lending Details
for 2014
Semper Home Loans, Inc 2014 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 | 606 |
| Total Mortgage Loan Application Amount | $125,718,000 |
| Average Mortgage Loan Application Amount | $206,000 |
| Highest Mortgage Loan Application Amount | $1,100,000 |
| Average Applicant Income | $85,500 |
| Highest Applicant Income | $787,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2014 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 2014 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 2014.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| PROVIDENCE-WARWICK, RI-MA | 122 | $ 23,121,000 | $ 211,000 | $ 76,500 |
| ATLANTA-SANDY SPRINGS-ROSWELL, GA | 64 | $ 12,704,000 | $ 198,000 | $ 80,000 |
| NEW YORK-JERSEY CITY-WHITE PLAINS, NY-NJ | 40 | $ 12,774,000 | $ 308,000 | $ 120,500 |
| EAST STROUDSBURG, PA | 30 | $ 4,835,000 | $ 161,000 | $ 79,000 |
| CAMDEN, NJ | 22 | $ 3,987,000 | $ 181,000 | $ 76,000 |
| BOSTON, MA | 18 | $ 4,798,000 | $ 266,000 | $ 92,000 |
| MONTGOMERY COUNTY-BUCKS COUNTY-CHESTER COUNTY, PA | 11 | $ 3,338,000 | $ 303,000 | $ 135,000 |
| HARTFORD-WEST HARTFORD-EAST HARTFORD, CT | 7 | $ 1,319,000 | $ 188,000 | $ 74,000 |
| NASSAU COUNTY-SUFFOLK COUNTY, NY | 7 | $ 2,385,000 | $ 340,000 | $ 116,000 |
| WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV | 7 | $ 1,387,000 | $ 200,000 | $ 67,000 |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC | 6 | $ 1,196,000 | $ 199,000 | $ 110,000 |
| DENVER-AURORA-LAKEWOOD, CO | 6 | $ 1,192,000 | $ 198,000 | $ 89,000 |
| PHILADELPHIA, PA | 6 | $ 1,288,000 | $ 214,000 | $ 133,000 |
| SCRANTON--WILKES-BARRE--HAZLETON, PA | 6 | $ 718,000 | $ 119,000 | $ 50,000 |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ | 5 | $ 952,000 | $ 190,000 | $ 84,000 |
| BIRMINGHAM-HOOVER, AL | 5 | $ 929,000 | $ 185,000 | $ 93,000 |
| CAMBRIDGE-NEWTON-FRAMINGHAM, MA | 5 | $ 1,448,000 | $ 289,000 | $ 89,000 |
| CHATTANOOGA, TN-GA | 5 | $ 784,000 | $ 150,000 | $ 68,000 |
| NEWARK, NJ-PA | 5 | $ 1,303,000 | $ 218,000 | $ 80,500 |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA | 5 | $ 1,211,000 | $ 244,000 | $ 84,500 |
| SEATTLE-BELLEVUE-EVERETT, WA | 5 | $ 1,535,000 | $ 307,000 | $ 112,000 |
| GARY, IN | 4 | $ 814,000 | $ 203,000 | $ 80,000 |
| HARRISBURG-CARLISLE, PA | 4 | $ 712,000 | $ 178,000 | $ 68,000 |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX | 4 | $ 605,000 | $ 151,000 | $ 72,000 |
| OCEAN CITY, NJ | 4 | $ 1,122,000 | $ 280,000 | $ 197,000 |
| RALEIGH, NC | 4 | $ 992,000 | $ 248,000 | $ 83,000 |
| SYRACUSE, NY | 4 | $ 551,000 | $ 137,000 | $ 73,000 |
| TUSCALOOSA, AL | 4 | $ 716,000 | $ 179,000 | $ 68,000 |
| WORCESTER, MA-CT | 4 | $ 702,000 | $ 175,500 | $ 79,000 |
| BALTIMORE-COLUMBIA-TOWSON, MD | 3 | $ 840,000 | $ 280,000 | $ 93,000 |
| BRIDGEPORT-STAMFORD-NORWALK, CT | 3 | $ 1,123,000 | $ 374,000 | $ 172,000 |
| CHAMBERSBURG-WAYNESBORO, PA | 3 | $ 614,000 | $ 204,000 | $ 88,000 |
| CHARLESTON-NORTH CHARLESTON, SC | 3 | $ 617,000 | $ 205,000 | $ 69,000 |
| FORT LAUDERDALE-POMPANO BEACH-DEERFIELD BEACH, FL | 3 | $ 677,000 | $ 225,000 | $ 45,000 |
| FORT WORTH-ARLINGTON, TX | 3 | $ 496,000 | $ 165,000 | $ 175,000 |
| LAFAYETTE, LA | 3 | $ 597,000 | $ 199,000 | $ 82,000 |
| MANCHESTER-NASHUA, NH | 3 | $ 760,000 | $ 253,000 | $ 64,000 |
| READING, PA | 3 | $ 337,000 | $ 112,000 | $ 12,000 |
| SIOUX FALLS, SD | 3 | $ 463,000 | $ 154,000 | $ 48,000 |
| TACOMA-LAKEWOOD, WA | 3 | $ 744,000 | $ 248,000 | $ 112,000 |
| TULSA, OK | 3 | $ 424,000 | $ 141,000 | $ 59,000 |
| WILMINGTON, DE-MD-NJ | 3 | $ 825,000 | $ 275,000 | $ 66,000 |
| ALBANY-SCHENECTADY-TROY, NY | 2 | $ 378,000 | $ 189,000 | $ 79,000 |
| ALBUQUERQUE, NM | 2 | $ 275,000 | $ 137,000 | $ 72,000 |
| ASHEVILLE, NC | 2 | $ 265,000 | $ 132,000 | $ 76,000 |
| BATON ROUGE, LA | 2 | $ 331,000 | $ 165,000 | $ 57,000 |
| COLUMBUS, GA-AL | 2 | $ 513,000 | $ 256,000 | $ 36,000 |
| DALLAS-PLANO-IRVING, TX | 2 | $ 310,000 | $ 155,000 | $ 76,000 |
| DURHAM-CHAPEL HILL, NC | 2 | $ 560,000 | $ 280,000 | $ 116,000 |
| GRANTS PASS, OR | 2 | $ 330,000 | $ 165,000 | $ 63,000 |
| HOUMA-THIBODAUX, LA | 2 | $ 408,000 | $ 204,000 | $ 110,000 |
| HUNTSVILLE, AL | 2 | $ 347,000 | $ 173,000 | $ 24,000 |
| INDIANAPOLIS-CARMEL-ANDERSON, IN | 2 | $ 284,000 | $ 142,000 | $ 77,000 |
| KINGSTON, NY | 2 | $ 254,000 | $ 127,000 | $ 25,000 |
| LAS CRUCES, NM | 2 | $ 266,000 | $ 133,000 | $ 76,000 |
| MEMPHIS, TN-MS-AR | 2 | $ 403,000 | $ 201,000 | $ 33,000 |
| NEW ORLEANS-METAIRIE, LA | 2 | $ 451,000 | $ 225,000 | $ 75,000 |
| PITTSBURGH, PA | 2 | $ 381,000 | $ 190,000 | $ 169,000 |
| RAPID CITY, SD | 2 | $ 370,000 | $ 185,000 | $ 65,000 |
| RICHMOND, VA | 2 | $ 400,000 | $ 200,000 | $ 294,000 |
| SAN ANTONIO-NEW BRAUNFELS, TX | 2 | $ 373,000 | $ 186,000 | $ 93,000 |
| SPRINGFIELD, MA | 2 | $ 414,000 | $ 207,000 | $ 90,000 |
| VALLEJO-FAIRFIELD, CA | 2 | $ 489,000 | $ 244,000 | $ 93,000 |
| VINELAND-BRIDGETON, NJ | 2 | $ 153,000 | $ 76,000 | $ 39,000 |
| WEST PALM BEACH-BOCA RATON-DELRAY BEACH, FL | 2 | $ 342,000 | $ 171,000 | $ 85,000 |
| WILMINGTON, NC | 2 | $ 377,000 | $ 188,000 | $ 34,000 |
| YORK-HANOVER, PA | 2 | $ 342,000 | $ 171,000 | $ 67,000 |
| ALBANY, GA | 1 | $ 136,000 | $ 136,000 | $ 48,000 |
| ALTOONA, PA | 1 | $ 140,000 | $ 140,000 | $ 194,000 |
| ANAHEIM-SANTA ANA-IRVINE, CA | 1 | $ 304,000 | $ 304,000 | $ 182,000 |
| ATHENS-CLARKE COUNTY, GA | 1 | $ 232,000 | $ 232,000 | $ 136,000 |
| ATLANTIC CITY-HAMMONTON, NJ | 1 | $ 224,000 | $ 224,000 | $ 69,000 |
| AUGUSTA-RICHMOND COUNTY, GA-SC | 1 | $ 221,000 | $ 221,000 | $ 119,000 |
| BARNSTABLE TOWN, MA | 1 | $ 141,000 | $ 141,000 | $ 58,000 |
| BELLINGHAM, WA | 1 | $ 217,000 | $ 217,000 | $ 141,000 |
| BINGHAMTON, NY | 1 | $ 212,000 | $ 212,000 | $ 80,000 |
| BOULDER, CO | 1 | $ 280,000 | $ 280,000 | $ 229,000 |
| BRUNSWICK, GA | 1 | $ 177,000 | $ 177,000 | $ 84,000 |
| CASPER, WY | 1 | $ 269,000 | $ 269,000 | $ 159,000 |
| CHEYENNE, WY | 1 | $ 147,000 | $ 147,000 | $ 58,000 |
| CINCINNATI, OH-KY-IN | 1 | $ 173,000 | $ 173,000 | $ 79,000 |
| COEUR D'ALENE, ID | 1 | $ 240,000 | $ 240,000 | $ 119,000 |
| COLUMBIA, SC | 1 | $ 262,000 | $ 262,000 | $ 85,000 |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL | 1 | $ 49,000 | $ 49,000 | $ 111,000 |
| DECATUR, AL | 1 | $ 140,000 | $ 140,000 | $ 73,000 |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL | 1 | $ 225,000 | $ 225,000 | $ 191,000 |
| DUTCHESS COUNTY-PUTNAM COUNTY, NY | 1 | $ 147,000 | $ 147,000 | $ 61,000 |
| EUGENE, OR | 1 | $ 226,000 | $ 226,000 | $ 29,000 |
| EVANSVILLE, IN-KY | 1 | $ 158,000 | $ 158,000 | $ 45,000 |
| FORT COLLINS, CO | 1 | $ 229,000 | $ 229,000 | $ 75,000 |
| GADSDEN, AL | 1 | $ 138,000 | $ 138,000 | $ 56,000 |
| GAINESVILLE, FL | 1 | $ 150,000 | $ 150,000 | $ 64,000 |
| GAINESVILLE, GA | 1 | $ 200,000 | $ 200,000 | $ 88,000 |
| GRAND FORKS, ND-MN | 1 | $ 185,000 | $ 185,000 | $ 98,000 |
| GREAT FALLS, MT | 1 | $ 209,000 | $ 209,000 | $ 0 |
| GREELEY, CO | 1 | $ 163,000 | $ 163,000 | $ 37,000 |
| GREENSBORO-HIGH POINT, NC | 1 | $ 168,000 | $ 168,000 | $ 108,000 |
| GREENVILLE, NC | 1 | $ 217,000 | $ 217,000 | $ 89,000 |
| GREENVILLE-ANDERSON-MAULDIN, SC | 1 | $ 172,000 | $ 172,000 | $ 68,000 |
| HINESVILLE, GA | 1 | $ 129,000 | $ 129,000 | $ 63,000 |
| JACKSONVILLE, FL | 1 | $ 147,000 | $ 147,000 | $ 40,000 |
| KENNEWICK-RICHLAND, WA | 1 | $ 144,000 | $ 144,000 | $ 79,000 |
| KINGSPORT-BRISTOL-BRISTOL, TN-VA | 1 | $ 119,000 | $ 119,000 | $ 71,000 |
| KNOXVILLE, TN | 1 | $ 125,000 | $ 125,000 | $ 50,000 |
| LANCASTER, PA | 1 | $ 241,000 | $ 241,000 | $ 61,000 |
| LEBANON, PA | 1 | $ 137,000 | $ 137,000 | $ 60,000 |
| MCALLEN-EDINBURG-MISSION, TX | 1 | $ 133,000 | $ 133,000 | $ 109,000 |
| MIAMI-MIAMI BEACH-KENDALL, FL | 1 | $ 193,000 | $ 193,000 | $ 68,000 |
| MICHIGAN CITY-LA PORTE, IN | 1 | $ 195,000 | $ 195,000 | $ 66,000 |
| MONROE, LA | 1 | $ 139,000 | $ 139,000 | $ 49,000 |
| MONTGOMERY, AL | 1 | $ 196,000 | $ 196,000 | $ 76,000 |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC | 1 | $ 215,000 | $ 215,000 | $ 68,000 |
| NAPLES-IMMOKALEE-MARCO ISLAND, FL | 1 | $ 300,000 | $ 300,000 | $ 61,000 |
| NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN | 1 | $ 132,000 | $ 132,000 | $ 0 |
| NEW BERN, NC | 1 | $ 155,000 | $ 155,000 | $ 55,000 |
| NEW HAVEN-MILFORD, CT | 1 | $ 143,000 | $ 143,000 | $ 39,000 |
| NORTH PORT-SARASOTA-BRADENTON, FL | 1 | $ 190,000 | $ 190,000 | $ 142,000 |
| NORWICH-NEW LONDON, CT | 1 | $ 277,000 | $ 277,000 | $ 83,000 |
| OKLAHOMA CITY, OK | 1 | $ 138,000 | $ 138,000 | $ 78,000 |
| ORLANDO-KISSIMMEE-SANFORD, FL | 1 | $ 180,000 | $ 180,000 | $ 110,000 |
| PENSACOLA-FERRY PASS-BRENT, FL | 1 | $ 271,000 | $ 271,000 | $ 172,000 |
| ROCKINGHAM COUNTY-STRAFFORD COUNTY, NH | 1 | $ 391,000 | $ 391,000 | $ 161,000 |
| ROME, GA | 1 | $ 180,000 | $ 180,000 | $ 38,000 |
| SACRAMENTO--ROSEVILLE--ARDEN-ARCADE, CA | 1 | $ 249,000 | $ 249,000 | $ 105,000 |
| SALISBURY, MD-DE | 1 | $ 329,000 | $ 329,000 | $ 88,000 |
| SAN FRANCISCO-REDWOOD CITY-SOUTH SAN FRANCISCO, CA | 1 | $ 480,000 | $ 480,000 | $ 149,000 |
| SAN LUIS OBISPO-PASO ROBLES-ARROYO GRANDE, CA | 1 | $ 333,000 | $ 333,000 | $ 75,000 |
| STOCKTON-LODI, CA | 1 | $ 188,000 | $ 188,000 | $ 50,000 |
| SUMTER, SC | 1 | $ 154,000 | $ 154,000 | $ 52,000 |
| TALLAHASSEE, FL | 1 | $ 299,000 | $ 299,000 | $ 91,000 |
| VISALIA-PORTERVILLE, CA | 1 | $ 198,000 | $ 198,000 | $ 53,000 |
| WARREN-TROY-FARMINGTON HILLS, MI | 1 | $ 205,000 | $ 205,000 | $ 68,000 |
| WENATCHEE, WA | 1 | $ 100,000 | $ 100,000 | $ 126,000 |
Mortgage Loan Application Detail Totals for Semper Home Loans, Inc in 2014
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 | 345 | $73,975,000 | $214,000 | $738,000 | $84,000 | $787,000 |
| Home Purchase | 261 | $51,743,000 | $198,000 | $1,100,000 | $87,000 | $518,000 |
| 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 | 430 | $91,209,000 | $212,000 | $1,100,000 | $89,000 | $787,000 |
| Black or African American | 88 | $16,964,000 | $192,000 | $416,000 | $70,000 | $243,000 |
| Not Provided | 38 | $8,272,000 | $217,000 | $458,000 | $86,000 | $249,000 |
| Hispanic | 37 | $6,620,000 | $178,000 | $381,000 | $70,000 | $189,000 |
| Asian | 13 | $2,653,000 | $204,000 | $480,000 | $102,000 | $250,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 359 | $76,647,000 | $213,000 | $1,100,000 | $98,000 | $787,000 |
| FHA-insured (Federal Housing Administration) | 204 | $39,406,000 | $193,000 | $695,000 | $65,000 | $243,000 |
| VA-guaranteed (Veterans Administration) | 29 | $7,336,000 | $252,000 | $460,000 | $75,000 | $263,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 14 | $2,329,000 | $166,000 | $250,000 | $62,000 | $78,000 |
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 | 526 | $109,008,000 | $207,000 | $1,100,000 | $85,000 | $787,000 |
| Application Withdrawn By Applicant | 43 | $8,862,000 | $206,000 | $1,100,000 | $91,000 | $510,000 |
| Application Denied By Financial Institution | 36 | $7,414,000 | $205,000 | $417,000 | $85,000 | $316,000 |
| File Closed For Incompleteness | 1 | $434,000 | $434,000 | $434,000 | $107,000 | $107,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 11 | $2,703,000 | $245,000 | $417,000 | $125,000 | $316,000 |
| Debt-To-Income Ratio | 5 | $894,000 | $178,000 | $228,000 | $82,000 | $197,000 |
| Unverifiable Information | 4 | $626,000 | $156,000 | $320,000 | $59,000 | $130,000 |
| Employment History | 3 | $521,000 | $173,000 | $221,000 | $70,000 | $119,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $671,000 | $223,000 | $392,000 | $64,000 | $77,000 |
| Mortgage Insurance Denied | 1 | $151,000 | $151,000 | $151,000 | $75,000 | $75,000 |
| Other | 1 | $143,000 | $143,000 | $143,000 | $45,000 | $45,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Semper Home Loans, Inc's 2014 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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