Semper Home Loans Mortgage Rates, Fees & Info

PROVIDENCE, RI

LEI: 549300KT5OWPGQKWUN86

Tax ID: 20-2485875

1 stars - Updated: 2/26/24 - out of 5 stars, based on 29 reviews

Latest/2022 | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

Review & Overview

Semper Home Loans is a smaller mortgage company specializing in Home Purchase and Refi loans. Semper Home Loans has a high proportion of conventional loans. They have a a high proportion of FHA loans. Their top markets by origination volume include: Providence, Worcester, Boston, Springfield, and New York among others. We have data for 111 markets. (Some data included below & more in-depth data is available with an active subscription.)

Semper Home Loans has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Semper Home Loans is typically a high fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have relatively high rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
30 Year Conventional Purchase 6.87% 2/26/24
30 Year Conventional Refi 6.66% 2/26/24
30 Year Cash-out Refi 6.27% 2/26/24
30 Year FHA Purchase 7.63% 2/26/24
30 Year FHA Refi 7.35% 2/26/24
30 Year VA Purchase 6.24% 2/26/24
30 Year VA Refi 5.83% 2/26/24
15 Year Conventional Purchase 5.85% 2/26/24
15 Year Conventional Refi 5.57% 2/26/24
15 Year Cash-out Refi 5.57% 2/26/24
15 Year VA Refi 5.36% 2/26/24
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

Semper Home Loans Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Semper Home Loans. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

866

Origination Dollar Volume (All Markets)

$271,640,000

Relative Rate

Semper Home Loans's average 30 year fixed mortgage rate was 5.27%.

The 2022 average 30 year fixed rate mortgage across all markets and lenders was 4.76%.

This yields a difference of 0.51%.

Relative Fees (Closing Costs)

Semper Home Loans's average total fees/closing costs for a 30 year fixed rate mortgage were $9,145.

The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $4,750.

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market Originations Total Value Average Loan Average Fees Average Rate
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 416 $134,570,000 $323,486 $10,130 5.26%
WORCESTER, MA-CT (FHA|USDA|VA) 50 $14,620,000 $292,400 $9,208 5.32%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 26 $12,150,000 $467,308 $12,989 4.85%
SPRINGFIELD, MA (FHA|USDA|VA) 33 $8,655,000 $262,273 $10,585 6.39%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 19 $6,935,000 $365,000 $10,842 4.70%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 24 $6,790,000 $282,917 $9,523 5.46%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 28 $5,610,000 $200,357 $8,300 6.15%
EAST STROUDSBURG, PA (FHA|USDA|VA) 19 $5,025,000 $264,474 $6,701 5.16%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 16 $4,760,000 $297,500 $3,687 3.82%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 11 $4,065,000 $369,545 $7,770 4.41%
Outside of Metro Areas 15 $3,595,000 $239,667 $5,565 5.63%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 9 $2,295,000 $255,000 $5,025 5.21%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 11 $2,245,000 $204,091 $6,604 5.58%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 6 $2,120,000 $353,333 $3,886 2.73%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 5 $1,985,000 $397,000 $3,720 3.20%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 7 $1,885,000 $269,286 $7,163 4.64%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 5 $1,865,000 $373,000 $5,315 4.05%
RALEIGH-CARY, NC (FHA|USDA|VA) 6 $1,860,000 $310,000 $4,393 4.06%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 6 $1,580,000 $263,333 $4,067 3.81%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 6 $1,560,000 $260,000 $7,567 5.73%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 4 $1,560,000 $390,000 $4,886 2.75%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 4 $1,540,000 $385,000 $2,845 3.34%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $1,505,000 $1,505,000 $25,914 6.90%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 4 $1,460,000 $365,000 $3,575 5.31%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 3 $1,445,000 $481,667 $6,545 4.63%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 4 $1,440,000 $360,000 $7,697 3.72%
ASHEVILLE, NC (FHA|USDA|VA) 5 $1,355,000 $271,000 $5,523 4.20%
PITTSFIELD, MA (FHA|USDA|VA) 4 $1,210,000 $302,500 $9,763 5.03%
JACKSONVILLE, FL (FHA|USDA|VA) 3 $1,195,000 $398,333 $6,074 3.54%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 3 $1,145,000 $381,667 $3,248 5.12%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 3 $1,125,000 $375,000 $3,180 4.08%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 3 $1,035,000 $345,000 $6,874 5.25%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 3 $1,025,000 $341,667 $8,146 4.38%
COLUMBUS, OH (FHA|USDA|VA) 3 $1,005,000 $335,000 $2,728 4.83%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 3 $985,000 $328,333 $2,515 4.38%
OKLAHOMA CITY, OK (FHA|USDA|VA) 4 $980,000 $245,000 $2,362 3.34%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 3 $945,000 $315,000 $8,442 3.88%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 3 $945,000 $315,000 $3,147 3.17%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 3 $945,000 $315,000 $4,988 3.00%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 2 $820,000 $410,000 $6,605 4.06%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 2 $750,000 $375,000 $2,416 2.88%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 3 $745,000 $248,333 $7,253 5.29%
SALT LAKE CITY, UT (FHA|USDA|VA) 2 $740,000 $370,000 $2,977 3.69%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 2 $660,000 $330,000 $3,780 3.50%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $645,000 $645,000 $6,999 5.25%
ALBUQUERQUE, NM (FHA|USDA|VA) 2 $630,000 $315,000 $4,567 4.19%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 2 $550,000 $275,000 $3,501 4.81%
FRESNO, CA (FHA|USDA|VA) 2 $550,000 $275,000 $2,460 3.06%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 3 $545,000 $181,667 $8,464 6.21%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 1 $515,000 $515,000 $5,177 2.88%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 2 $480,000 $240,000 $8,350 4.50%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 1 $465,000 $465,000 $6,036 5.88%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 2 $460,000 $230,000 $4,196 4.00%
DECATUR, IL (FHA|USDA|VA) 1 $455,000 $455,000 $3,825 2.75%
Nogales, AZ (FHA|USDA|VA) 1 $425,000 $425,000 $2,043 5.00%
PUNTA GORDA, FL (FHA|USDA|VA) 1 $415,000 $415,000 $7,012 3.25%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 1 $405,000 $405,000 $1,600 3.00%
Traverse City, MI (FHA|USDA|VA) 1 $405,000 $405,000 $1,802 6.38%
Brookings, OR (FHA|USDA|VA) 1 $405,000 $405,000 $5,733 3.00%
HUNTSVILLE, AL (FHA|USDA|VA) 1 $395,000 $395,000 $2,135 4.63%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 1 $385,000 $385,000 $2,187 5.25%
LANCASTER, PA (FHA|USDA|VA) 1 $385,000 $385,000 $14,050 6.88%
GRANTS PASS, OR (FHA|USDA|VA) 1 $375,000 $375,000 $2,542 3.38%
PORT ST. LUCIE, FL (FHA|USDA|VA) 1 $365,000 $365,000 $5,083 3.38%
Rutland, VT (FHA|USDA|VA) 1 $365,000 $365,000 $5,328 4.63%
Kill Devil Hills, NC (FHA|USDA|VA) 1 $355,000 $355,000 $2,816 4.88%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 1 $355,000 $355,000 $7,422 6.63%
ELKHART-GOSHEN, IN (FHA|USDA|VA) 1 $355,000 $355,000 $2,402 4.75%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 1 $355,000 $355,000 $3,784 4.88%
REDDING, CA (FHA|USDA|VA) 1 $345,000 $345,000 $3,576 3.25%
MERCED, CA (FHA|USDA|VA) 1 $345,000 $345,000 $15,216 6.00%
Cambridge, MD (FHA|USDA|VA) 1 $325,000 $325,000 $2,749 2.88%
Concord, NH (FHA|USDA|VA) 1 $325,000 $325,000 $2,551 3.63%
LAS CRUCES, NM (FHA|USDA|VA) 1 $315,000 $315,000 $3,070 6.13%
TULSA, OK (FHA|USDA|VA) 1 $305,000 $305,000 $3,387 5.13%
Sonora, CA (FHA|USDA|VA) 1 $305,000 $305,000 $2,454 4.75%
PITTSBURGH, PA (FHA|USDA|VA) 1 $305,000 $305,000 $4,318 2.75%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 1 $295,000 $295,000 $2,382 2.63%
SALEM, OR (FHA|USDA|VA) 1 $285,000 $285,000 $2,461 4.63%
KNOXVILLE, TN (FHA|USDA|VA) 1 $285,000 $285,000 $3,049 4.75%
MISSOULA, MT (FHA|USDA|VA) 1 $275,000 $275,000 $2,156 3.38%
BOULDER, CO (FHA|USDA|VA) 1 $275,000 $275,000 $1,444 4.13%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 1 $265,000 $265,000 $3,297 3.50%
DALTON, GA (FHA|USDA|VA) 1 $245,000 $245,000 $3,003 4.88%
CARBONDALE-MARION, IL (FHA|USDA|VA) 1 $235,000 $235,000 $1,911 5.38%
SIOUX FALLS, SD (FHA|USDA|VA) 1 $235,000 $235,000 $2,738 5.13%
RICHMOND, VA (FHA|USDA|VA) 1 $235,000 $235,000 $2,631 2.75%
Butte-Silver Bow, MT (FHA|USDA|VA) 1 $235,000 $235,000 $4,449 4.00%
KANKAKEE, IL (FHA|USDA|VA) 1 $235,000 $235,000 $4,814 3.25%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 1 $225,000 $225,000 $3,002 3.88%
Helena, MT (FHA|USDA|VA) 1 $225,000 $225,000 $2,407 3.75%
FAYETTEVILLE, NC (FHA|USDA|VA) 1 $225,000 $225,000 $1,705 5.50%
MONROE, MI (FHA|USDA|VA) 1 $215,000 $215,000 $3,880 6.63%
OCALA, FL (FHA|USDA|VA) 1 $215,000 $215,000 $2,493 4.63%
Hobbs, NM (FHA|USDA|VA) 1 $215,000 $215,000 $4,123 5.00%
TUSCALOOSA, AL (FHA|USDA|VA) 1 $215,000 $215,000 $2,318 6.63%
DOTHAN, AL (FHA|USDA|VA) 1 $205,000 $205,000 $12,169 6.13%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 1 $205,000 $205,000 $9,756 4.75%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 1 $205,000 $205,000 $1,747 2.75%
TALLAHASSEE, FL (FHA|USDA|VA) 1 $205,000 $205,000 $10,462 5.63%
Big Rapids, MI (FHA|USDA|VA) 1 $205,000 $205,000 $2,106 6.00%
CORPUS CHRISTI, TX (FHA|USDA|VA) 1 $195,000 $195,000 $11,268 5.00%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 1 $195,000 $195,000 $2,485 6.13%
Lock Haven, PA (FHA|USDA|VA) 1 $185,000 $185,000 $9,649 5.25%
WINSTON-SALEM, NC (FHA|USDA|VA) 1 $175,000 $175,000 $2,138 7.50%
Hillsdale, MI (FHA|USDA|VA) 1 $165,000 $165,000 $8,045 6.50%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 1 $155,000 $155,000 $2,233 5.63%
SPARTANBURG, SC (FHA|USDA|VA) 1 $155,000 $155,000 $7,713 4.63%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 1 $145,000 $145,000 $7,300 5.63%
Keene, NH (FHA|USDA|VA) 1 $145,000 $145,000 $4,218 3.88%
Talladega-Sylacauga, AL (FHA|USDA|VA) 1 $125,000 $125,000 $5,440 5.00%
Semper Home Loans's top markets include Providence, Worcester, Boston, Springfield, and New York among others.

Their top states include:
  • Rhode Island (FHA|USDA|VA)
  • Massachusetts (FHA|USDA|VA)
  • Connecticut (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Pennsylvania (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 554 $169,850,000 $306,588 $6,242 4.96%
    FHA 271 $86,805,000 $320,314 $13,163 5.36%
    VA 41 $14,985,000 $365,488 $9,416 4.84%

    For 2022, Semper Home Loans's most frequently originated type of loan was Conventional, with 554 originations. Their 2nd most popular type was FHA, with 271 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 650 $206,850,000 $318,231 $9,497 5.46%
    Refi 216 $64,790,000 $299,954 $5,952 3.94%

    For 2022, Semper Home Loans's most frequently cited loan purpose was Home Purchase, with 650 originations. The 2nd most popular reason was Refi, with 216 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 785 $249,385,000 $317,688 $9,145 5.27%
    15 Year 50 $13,530,000 $270,600 $3,446 2.99%
    20 Year 23 $6,425,000 $279,348 $3,013 3.38%
    10 Year 5 $985,000 $197,000 $3,677 3.35%
    30+ year 3 $1,315,000 $438,333 $0 6.72%

    For 2022, Semper Home Loans's most frequently cited loan duration was 30 Year, with 785 originations. The 2nd most popular length was 15 Year, with 50 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $5k+ 288 $103,330,000 $358,785
    $1k-2k 184 $55,800,000 $303,261
    $<1k 180 $55,090,000 $306,056
    $4k-5k 83 $22,825,000 $275,000
    $2k-3k 71 $18,475,000 $260,211
    $3k-4k 60 $16,120,000 $268,667

    Semper Home Loans's average total fees were $9,145, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 288 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    5-6% 267 $83,385,000 $312,303
    6-7% 172 $52,870,000 $307,384
    3-4% 154 $46,910,000 $304,610
    4-5% 147 $48,755,000 $331,667
    2.5-3% 46 $14,650,000 $318,478
    7-8% 45 $14,455,000 $321,222
    <2.5% 30 $9,120,000 $304,000
    Over 8% 5 $1,495,000 $299,000

    During 2022, Semper Home Loans's average interest rate for loans was 5.27%, while their most frequently originated rate bucket for loans was 5-6%, with 267 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 567 $167,365,000 $295,176 $8,211 5.03%
    $400k-600k 146 $67,820,000 $464,521 $11,712 5.01%
    $100k-200k 126 $20,420,000 $162,063 $6,050 5.29%
    $600k-1MM 19 $12,965,000 $682,368 $13,578 5.34%
    $100,000 or less 6 $480,000 $80,000 $4,760 6.02%
    $1MM+ 2 $2,590,000 $1,295,000 $26,929 5.51%

    2022 saw Semper Home Loans place emphasis on $200k-400k loans with 567 originations, totaling $167,365,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 212 $57,630,000 $271,840 $8,629 5.10%
    $100k-150k 205 $70,805,000 $345,390 $8,628 5.00%
    $75k-100k 178 $54,110,000 $303,989 $9,320 5.19%
    $50k or less 122 $29,860,000 $244,754 $8,468 5.43%
    $150k-250k 114 $43,390,000 $380,614 $7,642 4.73%
    $250k+ 35 $15,845,000 $452,714 $8,340 4.81%

    Semper Home Loans lent most frequently to those with incomes in the $50k-75k range, with 212 originations. The second most popular income band? $100k-150k, with 205 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    50-60% 116 $37,580,000 $323,966 $12,950 5.39%
    30-36% 112 $33,440,000 $298,571 $7,181 4.92%
    20-30% 111 $34,375,000 $309,685 $5,634 4.66%
    42% 44 $13,840,000 $314,545 $8,166 4.75%
    <20% 43 $10,695,000 $248,721 $3,980 3.78%
    43% 41 $12,515,000 $305,244 $9,060 5.22%
    48% 37 $10,715,000 $289,595 $10,021 5.71%
    47% 36 $10,480,000 $291,111 $8,583 5.28%
    45% 35 $10,885,000 $311,000 $10,394 5.51%
    49% 35 $11,675,000 $333,571 $9,791 5.51%
    39% 34 $11,300,000 $332,353 $8,087 4.78%
    38% 33 $10,305,000 $312,273 $8,362 5.08%
    44% 33 $11,795,000 $357,424 $8,932 5.25%
    46% 33 $10,555,000 $319,848 $10,149 5.48%
    41% 27 $8,215,000 $304,259 $7,588 5.25%
    40% 27 $9,905,000 $366,852 $9,795 4.95%
    37% 25 $7,935,000 $317,400 $8,544 5.32%
    36% 23 $8,085,000 $351,522 $8,610 4.96%
    >60% 18 $6,280,000 $348,889 $3,429 5.83%

    Semper Home Loans lent most frequently to those with DTI ratios of 50-60%, with 116 originations. The next most common DTI ratio? 30-36%, with 112 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 673 $209,405,000 $311,152 $8,504 5.15%
    Black 109 $37,265,000 $341,881 $11,462 5.26%
    Asian 64 $18,930,000 $295,781 $5,759 4.60%
    Not provided 7 $2,365,000 $337,857 $5,923 3.05%
    Asian Indian 5 $1,675,000 $335,000 $3,095 2.50%
    American Indian 5 $1,145,000 $229,000 $6,346 4.82%
    Native Hawaiian or Islander 1 $305,000 $305,000 $16,060 4.75%
    Other Asian 1 $275,000 $275,000 $2,145 2.75%
    Guamanian 1 $275,000 $275,000 $12,325 3.50%

    Approval Rates

    Total approvals of all applications
    94.30%

    Semper Home Loans has an average approval rate.

    Pick Rate

    Approvals leading to origination
    77.83%

    Semper Home Loans has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 866 $271,640,000 $313,672

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    866 $271,640,000 $313,672

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 26 $5,520,000 $212,308 $5,748 4.21%
    40-60% 91 $24,245,000 $266,429 $4,776 4.31%
    60-80% 241 $72,465,000 $300,685 $6,526 4.83%
    80-100% 499 $166,115,000 $332,896 $10,331 5.40%
    Over 100% 7 $2,795,000 $399,286 $16,285 5.20%
    Under 20% 2 $500,000 $250,000 $3,004 2.25%