Semper Home Loans, Inc
HMDA Loan Application Totals
and Mortgage Lending Details
for 2015
Semper Home Loans, Inc 2015 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 | 849 |
| Total Mortgage Loan Application Amount | $172,564,000 |
| Average Mortgage Loan Application Amount | $200,000 |
| Highest Mortgage Loan Application Amount | $776,000 |
| Average Applicant Income | $55,000 |
| Highest Applicant Income | $274,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2015 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 2015 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 2015.
| 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 | 189 | $ 41,338,000 | $ 224,000 | $ 50,500 |
| EAST STROUDSBURG, PA | 48 | $ 7,085,000 | $ 147,000 | $ 51,000 |
| ATLANTA-SANDY SPRINGS-ROSWELL, GA | 40 | $ 7,324,000 | $ 183,000 | $ 47,000 |
| CAMDEN, NJ | 37 | $ 7,051,000 | $ 190,000 | $ 54,000 |
| NEW YORK-JERSEY CITY-WHITE PLAINS, NY-NJ | 29 | $ 9,789,000 | $ 336,000 | $ 62,500 |
| BOSTON, MA | 20 | $ 5,160,000 | $ 258,000 | $ 71,000 |
| NEWARK, NJ-PA | 18 | $ 4,266,000 | $ 213,000 | $ 30,500 |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ | 17 | $ 2,973,000 | $ 174,000 | $ 52,000 |
| HARTFORD-WEST HARTFORD-EAST HARTFORD, CT | 17 | $ 3,116,000 | $ 183,000 | $ 31,000 |
| NASSAU COUNTY-SUFFOLK COUNTY, NY | 14 | $ 4,522,000 | $ 323,000 | $ 44,000 |
| WORCESTER, MA-CT | 14 | $ 2,776,000 | $ 178,000 | $ 36,500 |
| PHILADELPHIA, PA | 13 | $ 2,010,000 | $ 154,000 | $ 40,000 |
| MONTGOMERY COUNTY-BUCKS COUNTY-CHESTER COUNTY, PA | 12 | $ 2,546,000 | $ 212,000 | $ 28,000 |
| WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV | 12 | $ 3,821,000 | $ 272,666 | $ 52,666 |
| MANCHESTER-NASHUA, NH | 11 | $ 2,096,000 | $ 190,000 | $ 39,000 |
| ALBUQUERQUE, NM | 9 | $ 1,611,000 | $ 179,000 | $ 32,000 |
| CHARLESTON-NORTH CHARLESTON, SC | 8 | $ 1,423,000 | $ 177,000 | $ 47,000 |
| NEW ORLEANS-METAIRIE, LA | 8 | $ 1,401,000 | $ 175,000 | $ 58,000 |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA | 8 | $ 1,496,000 | $ 186,500 | $ 61,000 |
| RICHMOND, VA | 8 | $ 1,517,000 | $ 189,000 | $ 35,000 |
| VINELAND-BRIDGETON, NJ | 8 | $ 1,176,000 | $ 147,000 | $ 35,000 |
| CAMBRIDGE-NEWTON-FRAMINGHAM, MA | 7 | $ 2,150,000 | $ 307,000 | $ 75,000 |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC | 7 | $ 1,305,000 | $ 193,500 | $ 45,000 |
| TACOMA-LAKEWOOD, WA | 7 | $ 1,477,000 | $ 211,000 | $ 30,000 |
| DALLAS-PLANO-IRVING, TX | 6 | $ 970,000 | $ 161,000 | $ 34,000 |
| NEW HAVEN-MILFORD, CT | 6 | $ 1,206,000 | $ 201,000 | $ 0 |
| PITTSBURGH, PA | 6 | $ 1,176,000 | $ 196,000 | $ 62,000 |
| ALBANY-SCHENECTADY-TROY, NY | 5 | $ 902,000 | $ 180,000 | $ 40,000 |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX | 5 | $ 773,000 | $ 154,000 | $ 39,000 |
| MIAMI-MIAMI BEACH-KENDALL, FL | 5 | $ 1,187,000 | $ 237,000 | $ 40,000 |
| SAN ANTONIO-NEW BRAUNFELS, TX | 5 | $ 724,000 | $ 144,000 | $ 11,000 |
| SPRINGFIELD, MA | 5 | $ 864,000 | $ 172,000 | $ 45,000 |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL | 5 | $ 1,059,000 | $ 211,000 | $ 73,000 |
| BALTIMORE-COLUMBIA-TOWSON, MD | 4 | $ 1,180,000 | $ 295,000 | $ 93,000 |
| BATON ROUGE, LA | 4 | $ 604,000 | $ 151,000 | $ 64,000 |
| BELLINGHAM, WA | 4 | $ 964,000 | $ 241,000 | $ 44,000 |
| BRIDGEPORT-STAMFORD-NORWALK, CT | 4 | $ 1,424,000 | $ 356,000 | $ 133,000 |
| COLUMBIA, SC | 4 | $ 654,000 | $ 163,000 | $ 23,000 |
| INDIANAPOLIS-CARMEL-ANDERSON, IN | 4 | $ 626,000 | $ 156,000 | $ 16,000 |
| LAFAYETTE, LA | 4 | $ 677,000 | $ 169,000 | $ 34,000 |
| READING, PA | 4 | $ 606,000 | $ 151,000 | $ 41,000 |
| SPOKANE-SPOKANE VALLEY, WA | 4 | $ 694,000 | $ 173,000 | $ 0 |
| SYRACUSE, NY | 4 | $ 635,000 | $ 158,000 | $ 56,000 |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC | 4 | $ 553,000 | $ 138,000 | $ 44,000 |
| WEST PALM BEACH-BOCA RATON-DELRAY BEACH, FL | 4 | $ 742,000 | $ 185,000 | $ 35,000 |
| ATLANTIC CITY-HAMMONTON, NJ | 3 | $ 410,000 | $ 136,000 | $ 49,000 |
| BIRMINGHAM-HOOVER, AL | 3 | $ 558,000 | $ 186,000 | $ 29,000 |
| CASPER, WY | 3 | $ 552,000 | $ 184,000 | $ 92,000 |
| DENVER-AURORA-LAKEWOOD, CO | 3 | $ 944,000 | $ 314,000 | $ 114,000 |
| DUTCHESS COUNTY-PUTNAM COUNTY, NY | 3 | $ 963,000 | $ 321,000 | $ 102,000 |
| FORT WORTH-ARLINGTON, TX | 3 | $ 533,000 | $ 177,000 | $ 56,000 |
| GARY, IN | 3 | $ 446,000 | $ 148,000 | $ 0 |
| HOUMA-THIBODAUX, LA | 3 | $ 480,000 | $ 160,000 | $ 87,000 |
| MEMPHIS, TN-MS-AR | 3 | $ 694,000 | $ 231,000 | $ 24,000 |
| MOUNT VERNON-ANACORTES, WA | 3 | $ 668,000 | $ 222,000 | $ 44,000 |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC | 3 | $ 673,000 | $ 224,000 | $ 69,000 |
| NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN | 3 | $ 487,000 | $ 162,000 | $ 55,000 |
| OKLAHOMA CITY, OK | 3 | $ 499,000 | $ 166,000 | $ 18,000 |
| RALEIGH, NC | 3 | $ 675,000 | $ 225,000 | $ 42,000 |
| ROCKINGHAM COUNTY-STRAFFORD COUNTY, NH | 3 | $ 685,000 | $ 228,000 | $ 0 |
| SCRANTON--WILKES-BARRE--HAZLETON, PA | 3 | $ 279,000 | $ 93,000 | $ 15,000 |
| SEATTLE-BELLEVUE-EVERETT, WA | 3 | $ 1,052,000 | $ 350,000 | $ 129,000 |
| SHREVEPORT-BOSSIER CITY, LA | 3 | $ 496,000 | $ 165,000 | $ 0 |
| WILMINGTON, DE-MD-NJ | 3 | $ 525,000 | $ 165,000 | $ 52,500 |
| BUFFALO-CHEEKTOWAGA-NIAGARA FALLS, NY | 2 | $ 388,000 | $ 194,000 | $ 70,000 |
| CHAMBERSBURG-WAYNESBORO, PA | 2 | $ 347,000 | $ 173,000 | $ 81,000 |
| EUGENE, OR | 2 | $ 392,000 | $ 196,000 | $ 50,000 |
| FORT LAUDERDALE-POMPANO BEACH-DEERFIELD BEACH, FL | 2 | $ 325,000 | $ 162,000 | $ 70,000 |
| FORT WAYNE, IN | 2 | $ 326,000 | $ 163,000 | $ 0 |
| GREENVILLE-ANDERSON-MAULDIN, SC | 2 | $ 282,000 | $ 141,000 | $ 63,000 |
| HUNTSVILLE, AL | 2 | $ 392,000 | $ 196,000 | $ 23,000 |
| JACKSONVILLE, FL | 2 | $ 377,000 | $ 188,000 | $ 0 |
| KENNEWICK-RICHLAND, WA | 2 | $ 261,000 | $ 130,000 | $ 77,000 |
| LAS CRUCES, NM | 2 | $ 286,000 | $ 143,000 | $ 23,000 |
| LEBANON, PA | 2 | $ 304,000 | $ 152,000 | $ 76,000 |
| NORWICH-NEW LONDON, CT | 2 | $ 468,000 | $ 234,000 | $ 88,000 |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA | 2 | $ 407,000 | $ 203,000 | $ 68,000 |
| SPARTANBURG, SC | 2 | $ 439,000 | $ 219,000 | $ 56,000 |
| TUSCALOOSA, AL | 2 | $ 408,000 | $ 204,000 | $ 105,000 |
| WENATCHEE, WA | 2 | $ 418,000 | $ 209,000 | $ 0 |
| YAKIMA, WA | 2 | $ 282,000 | $ 141,000 | $ 29,000 |
| ALBANY, GA | 1 | $ 143,000 | $ 143,000 | $ 0 |
| ALBANY, OR | 1 | $ 160,000 | $ 160,000 | $ 0 |
| ASHEVILLE, NC | 1 | $ 152,000 | $ 152,000 | $ 0 |
| AUBURN-OPELIKA, AL | 1 | $ 259,000 | $ 259,000 | $ 128,000 |
| AUGUSTA-RICHMOND COUNTY, GA-SC | 1 | $ 164,000 | $ 164,000 | $ 0 |
| AUSTIN-ROUND ROCK, TX | 1 | $ 135,000 | $ 135,000 | $ 49,000 |
| BILLINGS, MT | 1 | $ 136,000 | $ 136,000 | $ 0 |
| BLACKSBURG-CHRISTIANSBURG-RADFORD, VA | 1 | $ 179,000 | $ 179,000 | $ 111,000 |
| BRUNSWICK, GA | 1 | $ 178,000 | $ 178,000 | $ 0 |
| CHARLOTTESVILLE, VA | 1 | $ 146,000 | $ 146,000 | $ 62,000 |
| CHATTANOOGA, TN-GA | 1 | $ 275,000 | $ 275,000 | $ 139,000 |
| COLORADO SPRINGS, CO | 1 | $ 245,000 | $ 245,000 | $ 93,000 |
| COLUMBUS, GA-AL | 1 | $ 129,000 | $ 129,000 | $ 0 |
| COLUMBUS, IN | 1 | $ 157,000 | $ 157,000 | $ 75,000 |
| CORVALLIS, OR | 1 | $ 193,000 | $ 193,000 | $ 93,000 |
| DECATUR, AL | 1 | $ 156,000 | $ 156,000 | $ 0 |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL | 1 | $ 130,000 | $ 130,000 | $ 58,000 |
| EL CENTRO, CA | 1 | $ 182,000 | $ 182,000 | $ 165,000 |
| EL PASO, TX | 1 | $ 171,000 | $ 171,000 | $ 0 |
| ELMIRA, NY | 1 | $ 141,000 | $ 141,000 | $ 46,000 |
| ERIE, PA | 1 | $ 174,000 | $ 174,000 | $ 120,000 |
| FARMINGTON, NM | 1 | $ 160,000 | $ 160,000 | $ 0 |
| FAYETTEVILLE, NC | 1 | $ 150,000 | $ 150,000 | $ 0 |
| FRESNO, CA | 1 | $ 177,000 | $ 177,000 | $ 42,000 |
| GAINESVILLE, GA | 1 | $ 220,000 | $ 220,000 | $ 106,000 |
| GRANTS PASS, OR | 1 | $ 133,000 | $ 133,000 | $ 0 |
| GREENSBORO-HIGH POINT, NC | 1 | $ 186,000 | $ 186,000 | $ 0 |
| HILTON HEAD ISLAND-BLUFFTON-BEAUFORT, SC | 1 | $ 152,000 | $ 152,000 | $ 0 |
| JACKSONVILLE, NC | 1 | $ 152,000 | $ 152,000 | $ 0 |
| KINGSTON, NY | 1 | $ 134,000 | $ 134,000 | $ 0 |
| KOKOMO, IN | 1 | $ 131,000 | $ 131,000 | $ 0 |
| LAKELAND-WINTER HAVEN, FL | 1 | $ 138,000 | $ 138,000 | $ 0 |
| LOS ANGELES-LONG BEACH-GLENDALE, CA | 1 | $ 142,000 | $ 142,000 | $ 44,000 |
| MACON, GA | 1 | $ 206,000 | $ 206,000 | $ 0 |
| MEDFORD, OR | 1 | $ 180,000 | $ 180,000 | $ 93,000 |
| MOBILE, AL | 1 | $ 172,000 | $ 172,000 | $ 0 |
| MONROE, LA | 1 | $ 143,000 | $ 143,000 | $ 0 |
| OCEAN CITY, NJ | 1 | $ 253,000 | $ 253,000 | $ 111,000 |
| OLYMPIA-TUMWATER, WA | 1 | $ 160,000 | $ 160,000 | $ 0 |
| ORLANDO-KISSIMMEE-SANFORD, FL | 1 | $ 205,000 | $ 205,000 | $ 102,000 |
| PITTSFIELD, MA | 1 | $ 148,000 | $ 148,000 | $ 0 |
| PUNTA GORDA, FL | 1 | $ 273,000 | $ 273,000 | $ 0 |
| ROANOKE, VA | 1 | $ 150,000 | $ 150,000 | $ 0 |
| SALEM, OR | 1 | $ 233,000 | $ 233,000 | $ 0 |
| SAVANNAH, GA | 1 | $ 243,000 | $ 243,000 | $ 86,000 |
| SILVER SPRING-FREDERICK-ROCKVILLE, MD | 1 | $ 200,000 | $ 200,000 | $ 65,000 |
| SOUTH BEND-MISHAWAKA, IN-MI | 1 | $ 147,000 | $ 147,000 | $ 0 |
| STAUNTON-WAYNESBORO, VA | 1 | $ 172,000 | $ 172,000 | $ 0 |
| STOCKTON-LODI, CA | 1 | $ 217,000 | $ 217,000 | $ 54,000 |
| SUMTER, SC | 1 | $ 164,000 | $ 164,000 | $ 116,000 |
| TALLAHASSEE, FL | 1 | $ 168,000 | $ 168,000 | $ 77,000 |
| TEXARKANA, TX-AR | 1 | $ 142,000 | $ 142,000 | $ 57,000 |
| TRENTON, NJ | 1 | $ 213,000 | $ 213,000 | $ 0 |
| WARNER ROBINS, GA | 1 | $ 194,000 | $ 194,000 | $ 66,000 |
| WILMINGTON, NC | 1 | $ 233,000 | $ 233,000 | $ 0 |
| WINCHESTER, VA-WV | 1 | $ 221,000 | $ 221,000 | $ 42,000 |
| WINSTON-SALEM, NC | 1 | $ 120,000 | $ 120,000 | $ 0 |
| YORK-HANOVER, PA | 1 | $ 163,000 | $ 163,000 | $ 0 |
Mortgage Loan Application Detail Totals for Semper Home Loans, Inc in 2015
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 | 615 | $127,070,000 | $206,000 | $776,000 | $40,000 | $274,000 |
| Home Purchase | 234 | $45,494,000 | $194,000 | $449,000 | $70,000 | $227,000 |
| 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 | 627 | $129,020,000 | $205,000 | $776,000 | $50,000 | $274,000 |
| Black or African American | 116 | $22,255,000 | $191,000 | $553,000 | $39,000 | $140,000 |
| Hispanic | 58 | $11,098,000 | $191,000 | $651,000 | $42,000 | $139,000 |
| Not Provided | 36 | $7,031,000 | $195,000 | $466,000 | $39,000 | $207,000 |
| Asian | 10 | $2,860,000 | $286,000 | $480,000 | $94,000 | $272,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $300,000 | $150,000 | $200,000 | $29,000 | $58,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 556 | $112,434,000 | $202,000 | $776,000 | $29,000 | $272,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 255 | $53,267,000 | $208,000 | $555,000 | $88,000 | $274,000 |
| VA-guaranteed (Veterans Administration) | 22 | $4,448,000 | $202,000 | $417,000 | $58,000 | $107,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 16 | $2,415,000 | $150,000 | $265,000 | $58,000 | $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 | 752 | $153,957,000 | $204,000 | $776,000 | $49,000 | $274,000 |
| Application Withdrawn By Applicant | 66 | $13,466,000 | $204,000 | $480,000 | $37,000 | $149,000 |
| Application Denied By Financial Institution | 29 | $4,860,000 | $167,000 | $375,000 | $52,000 | $171,000 |
| Application Approved But Not Accepted | 2 | $281,000 | $140,000 | $142,000 | $65,000 | $76,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 4 | $642,000 | $160,000 | $228,000 | $55,000 | $68,000 |
| Unverifiable Information | 4 | $692,000 | $173,000 | $243,000 | $36,000 | $58,000 |
| Collateral | 3 | $557,000 | $185,000 | $375,000 | $79,000 | $171,000 |
| Other | 2 | $444,000 | $222,000 | $234,000 | $58,000 | $67,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $223,000 | $111,000 | $142,000 | $48,000 | $67,000 |
| Debt-To-Income Ratio | 1 | $211,000 | $211,000 | $211,000 | $34,000 | $34,000 |
| Employment History | 1 | $143,000 | $143,000 | $143,000 | $86,000 | $86,000 |
| Credit Application Incomplete | 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 2015 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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with aggregated HMDA statistics today.