Semper Home Loans, Inc Mortgage Lending & HMDA Data, 2018
In 2018, Semper Home Loans, Inc of Providence, RI reported 614 mortgage applications totaling $138.7 million, down 4% from 2017. The average application was for $225,830, and applicants reported an average income of $80,612. 89% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Providence-Warwick, RI-MA (213), San Antonio-New Braunfels, TX (22) and East Stroudsburg, PA (21) (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 | 614 |
| Total Mortgage Loan Application Amount | $138,660,000 |
| Average Mortgage Loan Application Amount | $225,830 |
| Highest Mortgage Loan Application Amount | $1,835,000 |
| Average Applicant Income | $80,612 |
| Highest Applicant Income | $599,000 |
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(HMDA) records Semper Home Loans, Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Providence-Warwick, RI-MA | 213 | $ 51,695,000 | $ 242,699 | $ 84,591 |
| Outside any metro area | 31 | $ 5,765,000 | $ 185,967 | $ 79,161 |
| San Antonio-New Braunfels, TX | 22 | $ 4,530,000 | $ 205,909 | $ 90,000 |
| East Stroudsburg, PA | 21 | $ 3,705,000 | $ 176,428 | $ 71,000 |
| Springfield, MA | 18 | $ 3,620,000 | $ 201,111 | $ 68,000 |
| Tampa-St. Petersburg-Clearwater, FL | 17 | $ 3,725,000 | $ 219,117 | $ 66,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 14 | $ 3,590,000 | $ 256,428 | $ 74,000 |
| New York-Jersey City-White Plains, NY-NJ | 14 | $ 5,160,000 | $ 368,571 | $ 106,142 |
| Baton Rouge, LA | 10 | $ 1,490,000 | $ 149,000 | $ 52,000 |
| Boston, MA | 10 | $ 3,890,000 | $ 389,000 | $ 117,000 |
| Norwich-New London, CT | 9 | $ 2,035,000 | $ 226,111 | $ 84,000 |
| Worcester, MA-CT | 9 | $ 1,875,000 | $ 208,333 | $ 73,666 |
| Charlotte-Concord-Gastonia, NC-SC | 8 | $ 1,520,000 | $ 190,000 | $ 76,000 |
| Houston-The Woodlands-Sugar Land, TX | 8 | $ 1,600,000 | $ 200,000 | $ 93,000 |
| Atlanta-Sandy Springs-Roswell, GA | 7 | $ 1,225,000 | $ 175,000 | $ 60,000 |
| Orlando-Kissimmee-Sanford, FL | 7 | $ 1,825,000 | $ 260,714 | $ 66,000 |
| Chicago-Naperville-Arlington Heights, IL | 6 | $ 1,420,000 | $ 236,666 | $ 86,000 |
| Dallas-Plano-Irving, TX | 6 | $ 1,270,000 | $ 211,666 | $ 81,000 |
| Albany-Schenectady-Troy, NY | 5 | $ 925,000 | $ 185,000 | $ 90,000 |
| Cambridge-Newton-Framingham, MA | 5 | $ 1,435,000 | $ 287,000 | $ 102,000 |
| Charleston-North Charleston, SC | 5 | $ 1,035,000 | $ 207,000 | $ 62,000 |
| Corvallis, OR | 5 | $ 905,000 | $ 181,000 | $ 108,000 |
| Greensboro-High Point, NC | 5 | $ 585,000 | $ 117,000 | $ 33,000 |
| Greenville-Anderson-Mauldin, SC | 5 | $ 705,000 | $ 141,000 | $ 58,000 |
| Provo-Orem, UT | 5 | $ 1,215,000 | $ 243,000 | $ 135,000 |
| Seattle-Bellevue-Everett, WA | 5 | $ 2,165,000 | $ 433,000 | $ 174,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 5 | $ 1,075,000 | $ 215,000 | $ 66,000 |
| Bakersfield, CA | 4 | $ 960,000 | $ 240,000 | $ 57,000 |
| Fort Worth-Arlington, TX | 4 | $ 870,000 | $ 217,500 | $ 98,000 |
| Riverside-San Bernardino-Ontario, CA | 4 | $ 970,000 | $ 242,500 | $ 59,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 4 | $ 770,000 | $ 192,500 | $ 54,500 |
| Allentown-Bethlehem-Easton, PA-NJ | 3 | $ 385,000 | $ 128,333 | $ 70,000 |
| Camden, NJ | 3 | $ 465,000 | $ 155,000 | $ 79,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 3 | $ 465,000 | $ 155,000 | $ 40,000 |
| Des Moines-West Des Moines, IA | 3 | $ 455,000 | $ 151,666 | $ 59,000 |
| Los Angeles-Long Beach-Glendale, CA | 3 | $ 1,275,000 | $ 425,000 | $ 83,000 |
| Montgomery County-Bucks County-Chester County, PA | 3 | $ 765,000 | $ 255,000 | $ 85,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 3 | $ 725,000 | $ 241,666 | $ 93,333 |
| Nassau County-Suffolk County, NY | 3 | $ 1,385,000 | $ 461,666 | $ 137,000 |
| Newark, NJ-PA | 3 | $ 505,000 | $ 168,333 | $ 65,000 |
| Oklahoma City, OK | 3 | $ 505,000 | $ 168,333 | $ 83,000 |
| Palm Bay-Melbourne-Titusville, FL | 3 | $ 695,000 | $ 231,666 | $ 62,000 |
| Pittsburgh, PA | 3 | $ 615,000 | $ 205,000 | $ 76,000 |
| Port St. Lucie, FL | 3 | $ 615,000 | $ 205,000 | $ 62,000 |
| Raleigh, NC | 3 | $ 505,000 | $ 168,333 | $ 62,000 |
| Salem, OR | 3 | $ 595,000 | $ 198,333 | $ 46,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 3 | $ 425,000 | $ 141,666 | $ 53,000 |
| Albany, OR | 2 | $ 350,000 | $ 175,000 | $ 59,000 |
| Austin-Round Rock, TX | 2 | $ 360,000 | $ 180,000 | $ 93,000 |
| Baltimore-Columbia-Towson, MD | 2 | $ 300,000 | $ 150,000 | $ 56,000 |
| Bloomsburg-Berwick, PA | 2 | $ 220,000 | $ 110,000 | $ 73,000 |
| Clarksville, TN-KY | 2 | $ 210,000 | $ 105,000 | $ 70,000 |
| Columbia, SC | 2 | $ 270,000 | $ 135,000 | $ 66,000 |
| Gainesville, FL | 2 | $ 480,000 | $ 240,000 | $ 112,000 |
| Hartford-West Hartford-East Hartford, CT | 2 | $ 380,000 | $ 190,000 | $ 53,000 |
| Hickory-Lenoir-Morganton, NC | 2 | $ 330,000 | $ 165,000 | $ 54,000 |
| Huntsville, AL | 2 | $ 560,000 | $ 280,000 | $ 67,000 |
| Manchester-Nashua, NH | 2 | $ 500,000 | $ 250,000 | $ 67,000 |
| Punta Gorda, FL | 2 | $ 280,000 | $ 140,000 | $ 78,000 |
| Salisbury, MD-DE | 2 | $ 500,000 | $ 250,000 | $ 112,000 |
| San Diego-Carlsbad, CA | 2 | $ 360,000 | $ 180,000 | $ 58,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 2 | $ 350,000 | $ 175,000 | $ 55,000 |
| Albuquerque, NM | 1 | $ 325,000 | $ 325,000 | $ 99,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 175,000 | $ 175,000 | $ 44,000 |
| Binghamton, NY | 1 | $ 145,000 | $ 145,000 | $ 49,000 |
| Birmingham-Hoover, AL | 1 | $ 125,000 | $ 125,000 | $ 26,000 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 475,000 | $ 475,000 | $ 193,000 |
| Burlington, NC | 1 | $ 115,000 | $ 115,000 | $ 76,000 |
| Chambersburg-Waynesboro, PA | 1 | $ 225,000 | $ 225,000 | $ 90,000 |
| Charlottesville, VA | 1 | $ 165,000 | $ 165,000 | $ 55,000 |
| Chattanooga, TN-GA | 1 | $ 185,000 | $ 185,000 | $ 92,000 |
| College Station-Bryan, TX | 1 | $ 275,000 | $ 275,000 | $ 66,000 |
| Corpus Christi, TX | 1 | $ 175,000 | $ 175,000 | $ 49,000 |
| Denver-Aurora-Lakewood, CO | 1 | $ 235,000 | $ 235,000 | $ 28,000 |
| Durham-Chapel Hill, NC | 1 | $ 105,000 | $ 105,000 | $ 82,000 |
| Elgin, IL | 1 | $ 145,000 | $ 145,000 | $ 51,000 |
| Elkhart-Goshen, IN | 1 | $ 135,000 | $ 135,000 | $ 30,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 75,000 | $ 75,000 | $ 72,000 |
| Fort Smith, AR-OK | 1 | $ 125,000 | $ 125,000 | $ 98,000 |
| Great Falls, MT | 1 | $ 235,000 | $ 235,000 | $ 75,000 |
| Hammond, LA | 1 | $ 155,000 | $ 155,000 | $ 42,000 |
| Homosassa Springs, FL | 1 | $ 165,000 | $ 165,000 | $ 71,000 |
| Houma-Thibodaux, LA | 1 | $ 125,000 | $ 125,000 | $ 33,000 |
| Indianapolis-Carmel-Anderson, IN | 1 | $ 165,000 | $ 165,000 | $ 51,000 |
| Jacksonville, FL | 1 | $ 125,000 | $ 125,000 | $ 50,000 |
| Lancaster, PA | 1 | $ 125,000 | $ 125,000 | $ 55,000 |
| Merced, CA | 1 | $ 245,000 | $ 245,000 | $ 55,000 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 285,000 | $ 285,000 | $ 86,000 |
| New Haven-Milford, CT | 1 | $ 255,000 | $ 255,000 | $ 97,000 |
| Olympia-Tumwater, WA | 1 | $ 375,000 | $ 375,000 | $ 99,000 |
| Reading, PA | 1 | $ 125,000 | $ 125,000 | $ 80,000 |
| Roanoke, VA | 1 | $ 275,000 | $ 275,000 | $ 141,000 |
| Rochester, NY | 1 | $ 315,000 | $ 315,000 | $ 163,000 |
| Rockingham County-Strafford County, NH | 1 | $ 235,000 | $ 235,000 | $ 81,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 1 | $ 195,000 | $ 195,000 | $ 97,000 |
| Santa Rosa, CA | 1 | $ 365,000 | $ 365,000 | $ 99,000 |
| Silver Spring-Frederick-Rockville, MD | 1 | $ 225,000 | $ 225,000 | $ 90,000 |
| Spokane-Spokane Valley, WA | 1 | $ 265,000 | $ 265,000 | $ 78,000 |
| St. George, UT | 1 | $ 195,000 | $ 195,000 | $ 65,000 |
| Stockton-Lodi, CA | 1 | $ 275,000 | $ 275,000 | $ 102,000 |
| Sumter, SC | 1 | $ 115,000 | $ 115,000 | $ 42,000 |
| Syracuse, NY | 1 | $ 155,000 | $ 155,000 | $ 103,000 |
| Tacoma-Lakewood, WA | 1 | $ 195,000 | $ 195,000 | $ 177,000 |
| Trenton, NJ | 1 | $ 195,000 | $ 195,000 | $ 68,000 |
| Visalia-Porterville, CA | 1 | $ 145,000 | $ 145,000 | $ 94,000 |
| Yakima, WA | 1 | $ 275,000 | $ 275,000 | $ 67,000 |
Mortgage Loan Application Detail Totals for Semper Home Loans, Inc in 2018
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 | 407 | $96,285,000 | $236,000 | $1,835,000 | $86,000 | $599,000 |
| Refinancing | 205 | $42,065,000 | $205,000 | $665,000 | $70,000 | $227,000 |
| Cash-out Refinancing | 2 | $310,000 | $155,000 | $175,000 | $72,000 | $106,000 |
| 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 | 431 | $100,285,000 | $232,000 | $1,835,000 | $86,000 | $599,000 |
| Black or African American | 72 | $14,630,000 | $203,000 | $665,000 | $70,000 | $174,000 |
| Hispanic | 71 | $14,685,000 | $206,000 | $455,000 | $66,000 | $156,000 |
| Not Provided | 24 | $5,380,000 | $224,000 | $445,000 | $68,000 | $172,000 |
| Asian | 13 | $3,045,000 | $234,000 | $485,000 | $76,000 | $138,000 |
| Not applicable | 2 | $480,000 | $240,000 | $255,000 | $68,000 | $81,000 |
| American Indian or Alaskan Native | 1 | $155,000 | $155,000 | $155,000 | $58,000 | $58,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 265 | $56,165,000 | $211,000 | $665,000 | $70,000 | $211,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 212 | $52,660,000 | $248,000 | $1,835,000 | $100,000 | $599,000 |
| VA-guaranteed (Veterans Administration) | 129 | $28,225,000 | $218,000 | $545,000 | $71,000 | $185,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 8 | $1,610,000 | $201,000 | $275,000 | $59,000 | $75,000 |
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 | 545 | $123,605,000 | $226,000 | $1,835,000 | $82,000 | $599,000 |
| Application Withdrawn By Applicant | 48 | $10,590,000 | $220,000 | $585,000 | $74,000 | $170,000 |
| Application Denied By Financial Institution | 19 | $4,125,000 | $217,000 | $345,000 | $71,000 | $148,000 |
| File Closed For Incompleteness | 2 | $340,000 | $170,000 | $175,000 | $41,000 | $48,000 |
| 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 | 595 | $134,535,000 | $226,000 | $1,835,000 | $81,000 | $599,000 |
| Debt-To-Income Ratio | 8 | $1,680,000 | $210,000 | $315,000 | $72,000 | $145,000 |
| Collateral | 3 | $575,000 | $191,000 | $265,000 | $57,000 | $98,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $775,000 | $258,000 | $345,000 | $81,000 | $112,000 |
| Credit History | 3 | $615,000 | $205,000 | $255,000 | $81,000 | $148,000 |
| Other | 2 | $480,000 | $240,000 | $265,000 | $64,000 | $77,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Semper Home Loans, Inc's 2018 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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