Semper Home Loans, Inc Mortgage Lending & HMDA Data, 2020
In 2020, Semper Home Loans, Inc of Providence, RI reported 2,444 mortgage applications totaling $763.3 million, up 88% from 2019. The average application was for $312,299, and applicants reported an average income of $111,333. 89% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Providence-Warwick, RI-MA (908), Seattle-Bellevue-Everett, WA (85) and Washington-Arlington-Alexandria, DC-VA-MD-WV (75) (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 | 2,444 |
| Total Mortgage Loan Application Amount | $763,260,000 |
| Average Mortgage Loan Application Amount | $312,299 |
| Highest Mortgage Loan Application Amount | $975,000 |
| Average Applicant Income | $111,333 |
| Highest Applicant Income | $913,000 |
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(HMDA) records Semper Home Loans, Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 908 | $ 242,670,000 | $ 267,257 | $ 94,272 |
| Seattle-Bellevue-Everett, WA | 85 | $ 32,655,000 | $ 384,176 | $ 138,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 75 | $ 31,175,000 | $ 415,666 | $ 148,493 |
| Outside any metro area | 59 | $ 14,455,000 | $ 245,000 | $ 94,067 |
| Boston, MA | 58 | $ 20,810,000 | $ 358,793 | $ 130,000 |
| Worcester, MA-CT | 50 | $ 13,340,000 | $ 266,800 | $ 95,660 |
| Los Angeles-Long Beach-Glendale, CA | 48 | $ 20,340,000 | $ 423,750 | $ 148,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 46 | $ 21,920,000 | $ 476,521 | $ 202,000 |
| Oakland-Hayward-Berkeley, CA | 45 | $ 20,575,000 | $ 457,222 | $ 169,000 |
| Baltimore-Columbia-Towson, MD | 43 | $ 13,135,000 | $ 305,465 | $ 111,000 |
| Denver-Aurora-Lakewood, CO | 42 | $ 17,600,000 | $ 419,047 | $ 157,000 |
| Cambridge-Newton-Framingham, MA | 40 | $ 15,080,000 | $ 377,000 | $ 143,000 |
| San Diego-Carlsbad, CA | 39 | $ 15,565,000 | $ 399,102 | $ 150,000 |
| Atlanta-Sandy Springs-Roswell, GA | 38 | $ 11,010,000 | $ 289,736 | $ 85,000 |
| East Stroudsburg, PA | 33 | $ 6,755,000 | $ 204,696 | $ 80,000 |
| Phoenix-Mesa-Scottsdale, AZ | 30 | $ 7,700,000 | $ 256,666 | $ 67,000 |
| Newark, NJ-PA | 28 | $ 9,450,000 | $ 337,500 | $ 140,857 |
| Sacramento--Roseville--Arden-Arcade, CA | 28 | $ 10,500,000 | $ 375,000 | $ 146,000 |
| Chicago-Naperville, IL | 27 | $ 7,015,000 | $ 259,814 | $ 93,000 |
| New York-Jersey City-White Plains, NY-NJ | 22 | $ 8,330,000 | $ 378,636 | $ 148,090 |
| Raleigh, NC | 22 | $ 7,780,000 | $ 353,636 | $ 133,000 |
| Anaheim-Santa Ana-Irvine, CA | 21 | $ 8,575,000 | $ 408,333 | $ 147,000 |
| Springfield, MA | 21 | $ 4,625,000 | $ 220,238 | $ 80,000 |
| Riverside-San Bernardino-Ontario, CA | 20 | $ 7,230,000 | $ 361,500 | $ 96,000 |
| New York-Newark, NY | 19 | $ 6,825,000 | $ 359,210 | $ 168,736 |
| Camden, NJ | 17 | $ 3,705,000 | $ 217,941 | $ 54,000 |
| Kansas City, MO-KS | 16 | $ 4,410,000 | $ 275,625 | $ 100,250 |
| Montgomery County-Bucks County-Chester County, PA | 16 | $ 5,440,000 | $ 340,000 | $ 157,000 |
| Hartford-West Hartford-East Hartford, CT | 15 | $ 3,755,000 | $ 250,333 | $ 83,000 |
| Charlotte-Concord-Gastonia, NC-SC | 14 | $ 5,030,000 | $ 359,285 | $ 141,714 |
| Allentown-Bethlehem-Easton, PA-NJ | 13 | $ 2,725,000 | $ 209,615 | $ 86,000 |
| Norwich-New London, CT | 13 | $ 3,065,000 | $ 235,769 | $ 82,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 13 | $ 5,375,000 | $ 413,461 | $ 188,153 |
| Albuquerque, NM | 12 | $ 2,830,000 | $ 235,833 | $ 143,000 |
| Pittsburgh, PA | 12 | $ 4,070,000 | $ 339,166 | $ 160,000 |
| Tacoma-Lakewood, WA | 12 | $ 4,110,000 | $ 342,500 | $ 124,000 |
| Tampa-St. Petersburg-Clearwater, FL | 11 | $ 3,745,000 | $ 340,454 | $ 111,000 |
| Washington-Baltimore-Arlington, DC | 11 | $ 4,195,000 | $ 381,363 | $ 129,000 |
| Bridgeport-Stamford-Norwalk, CT | 10 | $ 3,870,000 | $ 387,000 | $ 165,000 |
| Manchester-Nashua, NH | 10 | $ 3,060,000 | $ 306,000 | $ 135,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 9 | $ 3,395,000 | $ 377,222 | $ 93,000 |
| Nassau County-Suffolk County, NY | 9 | $ 3,435,000 | $ 381,666 | $ 134,000 |
| Orlando-Kissimmee-Sanford, FL | 9 | $ 2,895,000 | $ 321,666 | $ 136,000 |
| San Antonio-New Braunfels, TX | 9 | $ 1,775,000 | $ 197,222 | $ 125,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 9 | $ 3,445,000 | $ 382,777 | $ 134,000 |
| Barnstable Town, MA | 8 | $ 2,540,000 | $ 317,500 | $ 115,000 |
| Palm Bay-Melbourne-Titusville, FL | 8 | $ 2,610,000 | $ 326,250 | $ 112,000 |
| Richmond, VA | 8 | $ 3,200,000 | $ 400,000 | $ 104,000 |
| Salt Lake City, UT | 8 | $ 2,680,000 | $ 335,000 | $ 119,000 |
| Dallas-Plano-Irving, TX | 7 | $ 2,315,000 | $ 330,714 | $ 89,000 |
| Houston-The Woodlands-Sugar Land, TX | 7 | $ 2,155,000 | $ 307,857 | $ 81,000 |
| New Haven-Milford, CT | 7 | $ 1,805,000 | $ 257,857 | $ 118,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 7 | $ 2,935,000 | $ 419,285 | $ 103,000 |
| Philadelphia, PA | 7 | $ 2,155,000 | $ 307,857 | $ 119,000 |
| Stockton-Lodi, CA | 7 | $ 3,005,000 | $ 429,285 | $ 188,000 |
| Warren-Troy-Farmington Hills, MI | 7 | $ 2,145,000 | $ 306,428 | $ 100,000 |
| Colorado Springs, CO | 6 | $ 2,600,000 | $ 433,333 | $ 40,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 6 | $ 1,660,000 | $ 276,666 | $ 82,000 |
| Greenville-Anderson-Mauldin, SC | 6 | $ 1,370,000 | $ 228,333 | $ 62,000 |
| Modesto, CA | 6 | $ 1,390,000 | $ 231,666 | $ 45,000 |
| Mount Vernon-Anacortes, WA | 6 | $ 1,730,000 | $ 288,333 | $ 57,000 |
| North Port-Sarasota-Bradenton, FL | 6 | $ 2,180,000 | $ 363,333 | $ 153,000 |
| San Francisco-Redwood City-South San Francisco, CA | 6 | $ 2,430,000 | $ 405,000 | $ 226,000 |
| Visalia-Porterville, CA | 6 | $ 1,670,000 | $ 278,333 | $ 96,000 |
| Charleston-North Charleston, SC | 5 | $ 1,455,000 | $ 291,000 | $ 64,000 |
| Columbia, SC | 5 | $ 1,305,000 | $ 261,000 | $ 128,000 |
| Indianapolis-Carmel-Anderson, IN | 5 | $ 1,765,000 | $ 353,000 | $ 172,000 |
| Ogden-Clearfield, UT | 5 | $ 1,725,000 | $ 345,000 | $ 90,000 |
| Rockingham County-Strafford County, NH | 5 | $ 1,505,000 | $ 301,000 | $ 70,000 |
| Santa Maria-Santa Barbara, CA | 5 | $ 1,605,000 | $ 321,000 | $ 88,000 |
| Vallejo-Fairfield, CA | 5 | $ 1,645,000 | $ 329,000 | $ 186,000 |
| Albany, OR | 4 | $ 1,250,000 | $ 312,500 | $ 74,000 |
| Bellingham, WA | 4 | $ 1,670,000 | $ 417,500 | $ 101,000 |
| Boulder, CO | 4 | $ 1,680,000 | $ 420,000 | $ 99,000 |
| Bremerton-Silverdale, WA | 4 | $ 1,680,000 | $ 420,000 | $ 115,000 |
| Cleveland-Elyria, OH | 4 | $ 1,030,000 | $ 257,500 | $ 124,000 |
| Huntsville, AL | 4 | $ 1,440,000 | $ 360,000 | $ 141,000 |
| Jacksonville, FL | 4 | $ 1,620,000 | $ 405,000 | $ 107,000 |
| Omaha-Council Bluffs, NE-IA | 4 | $ 1,170,000 | $ 292,500 | $ 104,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 4 | $ 1,610,000 | $ 402,500 | $ 178,000 |
| Spartanburg, SC | 4 | $ 930,000 | $ 232,500 | $ 48,000 |
| Des Moines-West Des Moines, IA | 3 | $ 955,000 | $ 318,333 | $ 127,000 |
| Miami-Miami Beach-Kendall, FL | 3 | $ 1,285,000 | $ 428,333 | $ 170,000 |
| Pittsfield, MA | 3 | $ 865,000 | $ 288,333 | $ 94,000 |
| Provo-Orem, UT | 3 | $ 1,155,000 | $ 385,000 | $ 136,000 |
| Spokane-Spokane Valley, WA | 3 | $ 945,000 | $ 315,000 | $ 51,000 |
| Tulsa, OK | 3 | $ 1,105,000 | $ 368,333 | $ 158,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 3 | $ 745,000 | $ 248,333 | $ 61,000 |
| Wilmington, DE-MD-NJ | 3 | $ 1,215,000 | $ 405,000 | $ 145,000 |
| Albany-Schenectady-Troy, NY | 2 | $ 880,000 | $ 440,000 | $ 56,000 |
| Asheville, NC | 2 | $ 950,000 | $ 475,000 | $ 136,000 |
| Augusta-Richmond County, GA-SC | 2 | $ 620,000 | $ 310,000 | $ 142,000 |
| Austin-Round Rock, TX | 2 | $ 820,000 | $ 410,000 | $ 50,000 |
| Bangor, ME | 2 | $ 460,000 | $ 230,000 | $ 105,000 |
| Clarksville, TN-KY | 2 | $ 470,000 | $ 235,000 | $ 33,000 |
| Columbus, OH | 2 | $ 480,000 | $ 240,000 | $ 83,000 |
| Elgin, IL | 2 | $ 460,000 | $ 230,000 | $ 119,000 |
| Fayetteville, NC | 2 | $ 320,000 | $ 160,000 | $ 0 |
| Fort Worth-Arlington, TX | 2 | $ 760,000 | $ 380,000 | $ 81,000 |
| Gainesville, FL | 2 | $ 580,000 | $ 290,000 | $ 64,000 |
| Grand Rapids-Wyoming, MI | 2 | $ 670,000 | $ 335,000 | $ 118,000 |
| Greeley, CO | 2 | $ 740,000 | $ 370,000 | $ 0 |
| Greensboro-High Point, NC | 2 | $ 730,000 | $ 365,000 | $ 76,000 |
| Kennewick-Richland, WA | 2 | $ 710,000 | $ 355,000 | $ 199,000 |
| Killeen-Temple, TX | 2 | $ 310,000 | $ 155,000 | $ 51,000 |
| Lake County-Kenosha County, IL-WI | 2 | $ 510,000 | $ 255,000 | $ 97,000 |
| Longview, WA | 2 | $ 710,000 | $ 355,000 | $ 53,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 2 | $ 320,000 | $ 160,000 | $ 25,000 |
| Napa, CA | 2 | $ 960,000 | $ 480,000 | $ 127,000 |
| Oklahoma City, OK | 2 | $ 590,000 | $ 295,000 | $ 0 |
| Port St. Lucie, FL | 2 | $ 620,000 | $ 310,000 | $ 76,000 |
| Portland-South Portland, ME | 2 | $ 540,000 | $ 270,000 | $ 124,000 |
| Reading, PA | 2 | $ 290,000 | $ 145,000 | $ 86,000 |
| Rochester, NY | 2 | $ 320,000 | $ 160,000 | $ 99,000 |
| Salinas, CA | 2 | $ 1,030,000 | $ 515,000 | $ 296,000 |
| Santa Cruz-Watsonville, CA | 2 | $ 940,000 | $ 470,000 | $ 130,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 2 | $ 290,000 | $ 145,000 | $ 41,000 |
| St. Louis, MO-IL | 2 | $ 570,000 | $ 285,000 | $ 72,500 |
| The Villages, FL | 2 | $ 540,000 | $ 270,000 | $ 41,000 |
| Tucson, AZ | 2 | $ 580,000 | $ 290,000 | $ 98,000 |
| Bakersfield, CA | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Birmingham-Hoover, AL | 1 | $ 405,000 | $ 405,000 | $ 136,000 |
| Brunswick, GA | 1 | $ 435,000 | $ 435,000 | $ 0 |
| Burlington-South Burlington, VT | 1 | $ 115,000 | $ 115,000 | $ 26,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 295,000 | $ 295,000 | $ 79,000 |
| Chambersburg-Waynesboro, PA | 1 | $ 145,000 | $ 145,000 | $ 61,000 |
| Charlottesville, VA | 1 | $ 425,000 | $ 425,000 | $ 137,000 |
| Chattanooga, TN-GA | 1 | $ 395,000 | $ 395,000 | $ 221,000 |
| Chico, CA | 1 | $ 265,000 | $ 265,000 | $ 65,000 |
| Cleveland, TN | 1 | $ 265,000 | $ 265,000 | $ 96,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 445,000 | $ 445,000 | $ 0 |
| Cumberland, MD-WV | 1 | $ 215,000 | $ 215,000 | $ 80,000 |
| Daphne-Fairhope-Foley, AL | 1 | $ 315,000 | $ 315,000 | $ 0 |
| Davenport-Moline-Rock Island, IA-IL | 1 | $ 175,000 | $ 175,000 | $ 70,000 |
| Detroit-Dearborn-Livonia, MI | 1 | $ 355,000 | $ 355,000 | $ 155,000 |
| Durham-Chapel Hill, NC | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Elkhart-Goshen, IN | 1 | $ 395,000 | $ 395,000 | $ 120,000 |
| Eugene, OR | 1 | $ 385,000 | $ 385,000 | $ 87,000 |
| Evansville, IN-KY | 1 | $ 75,000 | $ 75,000 | $ 63,000 |
| Fresno, CA | 1 | $ 215,000 | $ 215,000 | $ 101,000 |
| Gainesville, GA | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Gary, IN | 1 | $ 125,000 | $ 125,000 | $ 49,000 |
| Glens Falls, NY | 1 | $ 165,000 | $ 165,000 | $ 121,000 |
| Grants Pass, OR | 1 | $ 415,000 | $ 415,000 | $ 0 |
| Hagerstown-Martinsburg, MD-WV | 1 | $ 235,000 | $ 235,000 | $ 53,000 |
| Hanford-Corcoran, CA | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Harrisburg-Carlisle, PA | 1 | $ 365,000 | $ 365,000 | $ 104,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 1 | $ 515,000 | $ 515,000 | $ 307,000 |
| Jacksonville, NC | 1 | $ 215,000 | $ 215,000 | $ 66,000 |
| Kalamazoo-Portage, MI | 1 | $ 165,000 | $ 165,000 | $ 104,000 |
| Knoxville, TN | 1 | $ 315,000 | $ 315,000 | $ 0 |
| Lake Havasu City-Kingman, AZ | 1 | $ 285,000 | $ 285,000 | $ 57,000 |
| Lakeland-Winter Haven, FL | 1 | $ 215,000 | $ 215,000 | $ 35,000 |
| Lancaster, PA | 1 | $ 435,000 | $ 435,000 | $ 94,000 |
| Lansing-East Lansing, MI | 1 | $ 365,000 | $ 365,000 | $ 204,000 |
| Lawton, OK | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Lebanon, PA | 1 | $ 185,000 | $ 185,000 | $ 45,000 |
| Lynchburg, VA | 1 | $ 135,000 | $ 135,000 | $ 45,000 |
| Macon-Bibb County, GA | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Madera, CA | 1 | $ 285,000 | $ 285,000 | $ 0 |
| Memphis, TN-MS-AR | 1 | $ 315,000 | $ 315,000 | $ 140,000 |
| Merced, CA | 1 | $ 205,000 | $ 205,000 | $ 123,000 |
| Missoula, MT | 1 | $ 365,000 | $ 365,000 | $ 126,000 |
| Muskegon, MI | 1 | $ 115,000 | $ 115,000 | $ 70,000 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 305,000 | $ 305,000 | $ 94,000 |
| New Orleans-Metairie, LA | 1 | $ 405,000 | $ 405,000 | $ 100,000 |
| Olympia-Tumwater, WA | 1 | $ 315,000 | $ 315,000 | $ 0 |
| Prescott Valley-Prescott, AZ | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Rapid City, SD | 1 | $ 175,000 | $ 175,000 | $ 73,000 |
| Saginaw, MI | 1 | $ 335,000 | $ 335,000 | $ 0 |
| Salisbury, MD-DE | 1 | $ 445,000 | $ 445,000 | $ 439,000 |
| San Angelo, TX | 1 | $ 325,000 | $ 325,000 | $ 0 |
| Santa Rosa, CA | 1 | $ 375,000 | $ 375,000 | $ 79,000 |
| Savannah, GA | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Sioux Falls, SD | 1 | $ 205,000 | $ 205,000 | $ 0 |
| South Bend-Mishawaka, IN-MI | 1 | $ 325,000 | $ 325,000 | $ 124,000 |
| Springfield, OH | 1 | $ 185,000 | $ 185,000 | $ 0 |
| St. George, UT | 1 | $ 425,000 | $ 425,000 | $ 192,000 |
| Syracuse, NY | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Toledo, OH | 1 | $ 975,000 | $ 975,000 | $ 292,000 |
| Trenton, NJ | 1 | $ 215,000 | $ 215,000 | $ 50,000 |
| Utica-Rome, NY | 1 | $ 135,000 | $ 135,000 | $ 55,000 |
| Wilmington, NC | 1 | $ 355,000 | $ 355,000 | $ 120,000 |
| Winchester, VA-WV | 1 | $ 445,000 | $ 445,000 | $ 117,000 |
| Winston-Salem, NC | 1 | $ 355,000 | $ 355,000 | $ 172,000 |
| Yakima, WA | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Yuba City, CA | 1 | $ 65,000 | $ 65,000 | $ 78,000 |
Mortgage Loan Application Detail Totals for Semper Home Loans, Inc in 2020
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 | 1,671 | $556,365,000 | $332,000 | $975,000 | $123,000 | $818,000 |
| Home Purchase | 771 | $206,035,000 | $267,000 | $965,000 | $86,000 | $913,000 |
| Cash-out Refinancing | 2 | $860,000 | $430,000 | $515,000 | $130,000 | $185,000 |
| 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 | 1,685 | $516,345,000 | $306,000 | $975,000 | $111,000 | $913,000 |
| Hispanic | 239 | $70,085,000 | $293,000 | $805,000 | $76,000 | $295,000 |
| Asian | 214 | $81,940,000 | $382,000 | $775,000 | $169,000 | $550,000 |
| Black or African American | 132 | $35,850,000 | $271,000 | $715,000 | $72,000 | $214,000 |
| Not Provided | 118 | $36,960,000 | $313,000 | $895,000 | $103,000 | $320,000 |
| American Indian or Alaskan Native | 6 | $1,830,000 | $305,000 | $405,000 | $93,000 | $161,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $1,400,000 | $350,000 | $465,000 | $58,000 | $120,000 |
| 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) | 1,621 | $532,515,000 | $328,000 | $975,000 | $137,000 | $818,000 |
| FHA-insured (Federal Housing Administration) | 544 | $141,580,000 | $260,000 | $605,000 | $65,000 | $913,000 |
| VA-guaranteed (Veterans Administration) | 270 | $87,050,000 | $322,000 | $895,000 | $52,000 | $337,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 9 | $2,115,000 | $235,000 | $365,000 | $62,000 | $117,000 |
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 | 2,178 | $684,640,000 | $314,000 | $965,000 | $113,000 | $913,000 |
| Application Withdrawn By Applicant | 191 | $58,635,000 | $306,000 | $975,000 | $106,000 | $606,000 |
| Application Denied By Financial Institution | 69 | $18,545,000 | $268,000 | $585,000 | $76,000 | $195,000 |
| File Closed For Incompleteness | 6 | $1,440,000 | $240,000 | $325,000 | $89,000 | $167,000 |
| 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 | 2,375 | $744,715,000 | $313,000 | $975,000 | $113,000 | $913,000 |
| Debt-To-Income Ratio | 19 | $4,825,000 | $253,000 | $475,000 | $70,000 | $156,000 |
| Other | 13 | $2,885,000 | $221,000 | $425,000 | $61,000 | $111,000 |
| Collateral | 12 | $3,740,000 | $311,000 | $585,000 | $86,000 | $195,000 |
| Employment History | 11 | $2,975,000 | $270,000 | $415,000 | $69,000 | $140,000 |
| Credit History | 11 | $3,335,000 | $303,000 | $465,000 | $99,000 | $147,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $785,000 | $261,000 | $285,000 | $73,000 | $93,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Semper Home Loans, Inc's 2020 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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