Semper Home Loans Mortgage Rates, Fees & Info
PROVIDENCE, RILEI: 549300KT5OWPGQKWUN86
Tax ID: 20-2485875
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Mortgage Data
Review & Overview
Semper Home Loans is a smaller mortgage company specializing in Home Purchase and Refi loans. They have a a high proportion of FHA loans. Semper Home Loans has a high proportion of conventional loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Providence, New York, Boston, San Antonio, and Springfield among others. We have data for 106 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 an above average pick rate when compared to similar lenders. Semper Home Loans is typically an average 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 about average 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.87% | 12/17/24 |
| 30 Year Conventional Refi | 6.66% | 12/17/24 |
| 30 Year Cash-out Refi | 6.27% | 12/17/24 |
| 30 Year FHA Purchase | 7.63% | 12/17/24 |
| 30 Year FHA Refi | 7.35% | 12/17/24 |
| 30 Year VA Purchase | 6.24% | 12/17/24 |
| 30 Year VA Refi | 5.83% | 12/17/24 |
| 15 Year Conventional Purchase | 5.85% | 12/17/24 |
| 15 Year Conventional Refi | 5.57% | 12/17/24 |
| 15 Year Cash-out Refi | 5.57% | 12/17/24 |
| 15 Year VA Refi | 5.36% | 12/17/24 |
| 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. | ||
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
545Origination Dollar Volume (All Markets)
$123,605,000Top 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) | 197 | $48,165,000 | $244,492 | $6,603 | 5.02% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 18 | $6,040,000 | $335,556 | $10,322 | 5.00% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 15 | $5,325,000 | $355,000 | $6,278 | 4.49% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 20 | $4,040,000 | $202,000 | $6,578 | 5.09% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 16 | $3,190,000 | $199,375 | $6,748 | 5.02% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 11 | $2,875,000 | $261,364 | $6,827 | 4.66% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 13 | $2,705,000 | $208,077 | $7,183 | 4.92% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 14 | $2,510,000 | $179,286 | $6,814 | 5.27% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 6 | $2,360,000 | $393,333 | $4,954 | 5.06% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 10 | $2,140,000 | $214,000 | $9,112 | 5.08% |
| Outside of Metro Areas | 11 | $2,105,000 | $191,364 | $4,563 | 4.63% |
| NORWICH-NEW LONDON, CT (FHA|USDA|VA) | 8 | $1,830,000 | $228,750 | $6,962 | 5.00% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 7 | $1,825,000 | $260,714 | $7,436 | 4.68% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 8 | $1,670,000 | $208,750 | $5,491 | 5.06% |
| BATON ROUGE, LA (FHA|USDA|VA) | 9 | $1,385,000 | $153,889 | $5,820 | 5.24% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 6 | $1,300,000 | $216,667 | $6,870 | 4.17% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 3 | $1,275,000 | $425,000 | $5,788 | 4.13% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 6 | $1,230,000 | $205,000 | $6,322 | 4.63% |
| PROVO-OREM, UT (FHA|USDA|VA) | 5 | $1,215,000 | $243,000 | $6,692 | 5.35% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 6 | $1,150,000 | $191,667 | $7,330 | 4.81% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 5 | $1,105,000 | $221,000 | $7,684 | 5.03% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 5 | $1,005,000 | $201,000 | $5,574 | 4.70% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 6 | $970,000 | $161,667 | $5,414 | 4.42% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 4 | $820,000 | $205,000 | $7,111 | 4.31% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 3 | $815,000 | $271,667 | $5,924 | 4.33% |
| ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) | 4 | $810,000 | $202,500 | $6,620 | 5.00% |
| CORVALLIS, OR (FHA|USDA|VA) | 4 | $790,000 | $197,500 | $5,274 | 5.25% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 4 | $770,000 | $192,500 | $8,572 | 4.31% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 3 | $735,000 | $245,000 | $9,393 | 4.50% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 3 | $725,000 | $241,667 | $5,303 | 4.08% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 5 | $705,000 | $141,000 | $5,596 | 4.45% |
| PITTSBURGH, PA (FHA|USDA|VA) | 3 | $615,000 | $205,000 | $8,370 | 4.38% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 5 | $585,000 | $117,000 | $5,566 | 4.03% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 3 | $565,000 | $188,333 | $7,167 | 5.00% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 3 | $505,000 | $168,333 | $5,922 | 4.38% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 3 | $505,000 | $168,333 | $7,949 | 4.21% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $8,395 | 5.19% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $4,222 | 5.13% |
| GAINESVILLE, FL (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $5,541 | 4.31% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $7,942 | 4.63% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 3 | $465,000 | $155,000 | $5,192 | 4.79% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $10,683 | 4.38% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 3 | $425,000 | $141,667 | $5,055 | 4.83% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 3 | $425,000 | $141,667 | $6,931 | 4.63% |
| SALEM, OR (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $6,205 | 4.50% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 3 | $385,000 | $128,333 | $3,846 | 5.46% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $6,892 | 4.94% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $4,608 | 4.75% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $2,339 | 4.25% |
| Torrington, CT (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $3,471 | 4.50% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $7,669 | 5.00% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $4,810 | 4.44% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $9,239 | 4.94% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $7,163 | 4.81% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $4,492 | 4.25% |
| ROCHESTER, NY (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $12,167 | 4.13% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $7,229 | 3.94% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $9,247 | 4.50% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $4,570 | 4.75% |
| STOCKTON, CA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $8,380 | 4.75% |
| ROANOKE, VA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $7,206 | 4.50% |
| COLUMBIA, SC (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $2,763 | 4.94% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $12,928 | 4.50% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $7,961 | 4.25% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $9,214 | 5.00% |
| MERCED, CA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $7,562 | 4.25% |
| GREAT FALLS, MT (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $7,937 | 4.00% |
| Sonora, CA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $8,221 | 4.38% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $5,509 | 4.25% |
| CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $9,156 | 3.75% |
| BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $4,421 | 5.50% |
| Concord, NH (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $7,150 | 4.25% |
| Clearlake, CA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $6,677 | 3.88% |
| Cookeville, TN (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $1,628 | 5.25% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $5,792 | 4.38% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $7,685 | 4.25% |
| ST. GEORGE, UT (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $8,875 | 4.75% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,581 | 4.38% |
| Rockport, TX (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $6,967 | 4.88% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $5,696 | 4.63% |
| Paris, TN (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $7,242 | 4.00% |
| Newport, OR (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $5,104 | 5.38% |
| New Castle, IN (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $5,888 | 3.88% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $6,241 | 4.75% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $7,568 | 4.00% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,769 | 5.25% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,863 | 4.25% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,907 | 4.75% |
| SYRACUSE, NY (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $10,072 | 4.25% |
| Morgan City, LA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $6,317 | 4.75% |
| VISALIA, CA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,342 | 3.88% |
| Seneca, SC (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,567 | 4.38% |
| Cullman, AL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,434 | 4.75% |
| BINGHAMTON, NY (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,211 | 4.38% |
| ELKHART-GOSHEN, IN (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $5,264 | 4.38% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $7,450 | 5.00% |
| LANCASTER, PA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $7,869 | 4.25% |
| Fort Payne, AL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $6,704 | 4.00% |
| HOUMA-THIBODAUX, LA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,217 | 5.63% |
| READING, PA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $6,292 | 4.00% |
| BURLINGTON, NC (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $4,131 | 3.75% |
| SUMTER, SC (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $6,440 | 4.75% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,169 | 4.25% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $5,146 | 5.50% |
| MONROE, LA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $4,025 | 5.75% |
| Ponca City, OK (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $6,602 | 5.50% |
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We use machine learning to identify the top lenders compared against Semper Home Loans based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
For 2018, Semper Home Loans's most frequently originated type of loan was FHA, with 234 originations. Their 2nd most popular type was Conventional, with 189 originations.
Loan Reason
For 2018, Semper Home Loans's most frequently cited loan purpose was Home Purchase, with 359 originations. The 2nd most popular reason was Refi, with 184 originations.
Loan Duration/Length
For 2018, Semper Home Loans's most frequently cited loan duration was 30 Year, with 518 originations. The 2nd most popular length was 15 Year, with 21 originations.
Origination Fees/Closing Costs
Semper Home Loans's average total fees were $6,738, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 243 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 4-5% | 288 | $67,710,000 | $235,104 |
| 5-6% | 213 | $47,085,000 | $221,056 |
| 3-4% | 40 | $8,130,000 | $203,250 |
| 6-7% | 4 | $680,000 | $170,000 |
During 2018, Semper Home Loans's average interest rate for loans was 4.90%, while their most frequently originated rate bucket for loans was 4-5%, with 288 originations.
Loan Sizing
2018 saw Semper Home Loans place emphasis on $200k-400k loans with 262 originations, totaling $68,590,000 in origination value.
Applicant Income
Semper Home Loans lent most frequently to those with incomes in the $50k-75k range, with 199 originations. The second most popular income band? $75k-100k, with 116 originations.
Applicant Debt to Income Ratio
Semper Home Loans lent most frequently to those with DTI ratios of 50-60%, with 117 originations. The next most common DTI ratio? 30-36%, with 66 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications96.91%
Semper Home Loans has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination91.19%
Semper Home Loans has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 545 | $123,605,000 | $226,798 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 10 | $1,400,000 | $140,000 |
| Single Family (1-4 Units):Site-Built | 535 | $122,205,000 | $228,421 |