Semper Home Loans Mortgage Rates, Fees & Info
PROVIDENCE, RILEI: 549300KT5OWPGQKWUN86
Tax ID: 20-2485875
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
Jump to:
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, Boston, Miami, New York, and San Antonio among others. We have data for 155 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 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.
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% | 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. | ||
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
1,117Origination Dollar Volume (All Markets)
$279,635,000Awards
Semper Home Loans - 2019
Semper Home Loans is a 2019 , due to their low .
For 2019, less than of lenders were eligible for this award.
Work for Semper Home Loans?
Use this award on your own site. Either save and use the images below, or pass the provided image embed code to your development team.
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) | 523 | $125,535,000 | $240,029 | $6,871 | 4.42% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 37 | $13,575,000 | $366,892 | $7,924 | 4.19% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 36 | $10,620,000 | $295,000 | $7,049 | 4.38% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 26 | $8,580,000 | $330,000 | $11,795 | 4.31% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 30 | $7,580,000 | $252,667 | $8,323 | 4.25% |
| NORWICH-NEW LONDON, CT (FHA|USDA|VA) | 27 | $6,375,000 | $236,111 | $6,688 | 4.36% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 16 | $6,340,000 | $396,250 | $11,967 | 4.34% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 27 | $5,325,000 | $197,222 | $6,686 | 4.26% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 22 | $4,940,000 | $224,545 | $5,466 | 4.07% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 12 | $4,670,000 | $389,167 | $6,269 | 3.46% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 24 | $4,480,000 | $186,667 | $6,434 | 4.44% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 9 | $3,995,000 | $443,889 | $7,711 | 3.95% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 18 | $3,860,000 | $214,444 | $7,554 | 3.92% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 14 | $2,910,000 | $207,857 | $6,447 | 3.98% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 6 | $2,800,000 | $466,667 | $8,593 | 3.98% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 10 | $2,260,000 | $226,000 | $5,197 | 3.61% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 8 | $2,170,000 | $271,250 | $11,198 | 4.27% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 13 | $2,155,000 | $165,769 | $5,723 | 4.54% |
| Outside of Metro Areas | 10 | $1,690,000 | $169,000 | $6,589 | 4.16% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 8 | $1,630,000 | $203,750 | $8,743 | 3.97% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 5 | $1,555,000 | $311,000 | $6,086 | 3.75% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 3 | $1,475,000 | $491,667 | $8,898 | 3.25% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 4 | $1,400,000 | $350,000 | $6,238 | 4.28% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 5 | $1,385,000 | $277,000 | $5,597 | 3.35% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 7 | $1,255,000 | $179,286 | $6,714 | 4.30% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 4 | $1,190,000 | $297,500 | $4,568 | 3.88% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 4 | $1,100,000 | $275,000 | $11,861 | 4.03% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 5 | $1,045,000 | $209,000 | $6,266 | 3.58% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 3 | $1,025,000 | $341,667 | $5,973 | 3.29% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 3 | $1,005,000 | $335,000 | $1,874 | 3.33% |
| FRESNO, CA (FHA|USDA|VA) | 4 | $960,000 | $240,000 | $8,916 | 4.16% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 3 | $955,000 | $318,333 | $4,167 | 4.08% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 4 | $950,000 | $237,500 | $4,076 | 4.06% |
| VALLEJO, CA (FHA|USDA|VA) | 3 | $915,000 | $305,000 | $8,961 | 4.17% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 5 | $855,000 | $171,000 | $4,023 | 3.73% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 3 | $845,000 | $281,667 | $4,037 | 3.46% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 4 | $790,000 | $197,500 | $5,213 | 4.03% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 2 | $780,000 | $390,000 | $7,482 | 4.38% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 3 | $775,000 | $258,333 | $7,632 | 4.42% |
| SALEM, OR (FHA|USDA|VA) | 3 | $765,000 | $255,000 | $4,461 | 3.83% |
| ASHEVILLE, NC (FHA|USDA|VA) | 3 | $745,000 | $248,333 | $3,061 | 3.42% |
| PITTSBURGH, PA (FHA|USDA|VA) | 4 | $730,000 | $182,500 | $6,291 | 3.66% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 3 | $715,000 | $238,333 | $6,271 | 4.25% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 3 | $695,000 | $231,667 | $7,551 | 4.25% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 3 | $675,000 | $225,000 | $3,824 | 3.83% |
| GREELEY, CO (FHA|USDA|VA) | 3 | $665,000 | $221,667 | $7,768 | 4.33% |
| BELLINGHAM, WA (FHA|USDA|VA) | 3 | $645,000 | $215,000 | $6,572 | 3.46% |
| STOCKTON, CA (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $11,755 | 4.31% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 3 | $625,000 | $208,333 | $6,726 | 3.96% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $2,588 | 3.75% |
| BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $3,595 | 3.31% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 1 | $585,000 | $585,000 | $2,074 | 3.75% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $5,516 | 3.81% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 1 | $575,000 | $575,000 | $2,499 | 4.25% |
| Torrington, CT (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $5,103 | 3.50% |
| OCALA, FL (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $7,793 | 3.69% |
| MEDFORD, OR (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $4,014 | 3.94% |
| BATON ROUGE, LA (FHA|USDA|VA) | 3 | $555,000 | $185,000 | $7,686 | 4.67% |
| THE VILLAGES, FL (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $4,636 | 3.88% |
| PROVO-OREM, UT (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $4,686 | 3.50% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 4 | $510,000 | $127,500 | $5,117 | 4.13% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $4,430 | 3.50% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $7,310 | 3.94% |
| COLUMBUS, OH (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $7,533 | 3.63% |
| READING, PA (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $11,461 | 4.38% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $7,166 | 3.69% |
| GAINESVILLE, FL (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $11,927 | 3.75% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $6,393 | 2.88% |
| Durango, CO (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $8,311 | 3.88% |
| SANTA FE, NM (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $11,581 | 3.88% |
| New Castle, IN (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $3,073 | 4.00% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $5,612 | 3.31% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $9,180 | 4.75% |
| COLUMBUS, IN (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $12,927 | 3.38% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $3,632 | 2.88% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $16,581 | 3.75% |
| Lebanon, NH-VT (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $7,106 | 4.50% |
| ABILENE, TX (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $3,320 | 2.88% |
| Gainesville, TX (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $5,202 | 3.88% |
| FORT COLLINS, CO (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $2,162 | 3.63% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $8,523 | 3.63% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $3,969 | 3.50% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $4,630 | 3.94% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $4,630 | 3.38% |
| BURLINGTON, NC (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $7,973 | 4.25% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $6,119 | 3.38% |
| Bennington, VT (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $2,942 | 4.00% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $2,522 | 2.75% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $13,256 | 2.88% |
| FLINT, MI (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $4,747 | 3.63% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $3,953 | 5.00% |
| KNOXVILLE, TN (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $1,913 | 3.25% |
| LANCASTER, PA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $9,911 | 4.00% |
| TULSA, OK (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $3,863 | 3.50% |
| VISALIA, CA (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $2,970 | 3.81% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $7,403 | 4.00% |
| Tullahoma-Manchester, TN (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $1,812 | 3.63% |
| BILLINGS, MT (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $4,960 | 3.25% |
| COLUMBIA, SC (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $6,210 | 3.38% |
| Jefferson, GA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $14,311 | 4.13% |
| Eufaula, AL-GA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $3,569 | 3.88% |
| Concord, NH (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $7,374 | 3.38% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $8,360 | 3.38% |
| Astoria, OR (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $6,584 | 3.88% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $5,684 | 5.06% |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $11,936 | 4.25% |
| Alexander City, AL (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,246 | 3.25% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,711 | 3.38% |
| Keene, NH (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $8,902 | 4.00% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,849 | 4.25% |
| WILMINGTON, NC (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,448 | 3.50% |
| CLEVELAND, TN (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $5,839 | 3.50% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $4,597 | 3.88% |
| UTICA-ROME, NY (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $7,524 | 3.63% |
| AKRON, OH (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $8,749 | 3.50% |
| TUCSON, AZ (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $5,778 | 4.13% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $9,616 | 3.38% |
| Georgetown, SC (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $8,377 | 3.88% |
| DOVER, DE (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $6,381 | 3.75% |
| Helena, MT (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,143 | 4.38% |
| EL CENTRO, CA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $8,522 | 3.88% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $6,275 | 4.63% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $7,003 | 3.50% |
| MIDLAND, TX (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $5,490 | 3.88% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $7,901 | 4.75% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $10,655 | 5.50% |
| North Platte, NE (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,444 | 4.25% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $6,162 | 3.50% |
| MANSFIELD, OH (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,757 | 3.13% |
| Stillwater, OK (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $5,877 | 4.25% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,724 | 5.25% |
| SAN ANGELO, TX (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $7,292 | 5.13% |
| MONTGOMERY, AL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $6,100 | 3.25% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $8,867 | 3.38% |
| ALTOONA, PA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $9,588 | 3.38% |
| ROCHESTER, NY (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,911 | 3.38% |
| Laconia, NH (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,577 | 4.00% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $1,315 | 3.50% |
| Newberry, SC (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,227 | 3.75% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $6,832 | 4.25% |
| DANVILLE, IL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,141 | 3.75% |
| BATTLE CREEK, MI (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,653 | 3.75% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,898 | 3.75% |
| ROME, GA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $6,847 | 4.25% |
| Ottawa, KS (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $7,112 | 3.75% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,200 | 3.75% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,321 | 3.75% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $5,387 | 5.75% |
| Jamestown-Dunkirk-Fredonia, NY (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $6,117 | 3.75% |
| FLORENCE, SC (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,014 | 4.50% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,415 | 3.88% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $5,282 | 4.88% |
| St. Marys, PA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $6,485 | 4.25% |
| MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $5,297 | 4.75% |
| Morehead City, NC (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $3,926 | 4.13% |
Similar Lenders
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.
Similarity Rank: 26
Similarity Rank: 48
Similarity Rank: 56
Similarity Rank: 80
Similarity Rank: 84
Similarity Rank: 85
Similarity Rank: 96
Similarity Rank: 104
Similarity Rank: 116
Similarity Rank: 118
Product Mix
For 2019, Semper Home Loans's most frequently originated type of loan was FHA, with 468 originations. Their 2nd most popular type was Conventional, with 431 originations.
Loan Reason
For 2019, Semper Home Loans's most frequently cited loan purpose was Home Purchase, with 677 originations. The 2nd most popular reason was Refi, with 439 originations.
Loan Duration/Length
For 2019, Semper Home Loans's most frequently cited loan duration was 30 Year, with 1,062 originations. The 2nd most popular length was 15 Year, with 44 originations.
Origination Fees/Closing Costs
Semper Home Loans's average total fees were $7,038, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 561 originations.
Interest Rates
During 2019, Semper Home Loans's average interest rate for loans was 4.25%, while their most frequently originated rate bucket for loans was 4-5%, with 545 originations.
Loan Sizing
2019 saw Semper Home Loans place emphasis on $200k-400k loans with 631 originations, totaling $169,745,000 in origination value.
Applicant Income
Semper Home Loans lent most frequently to those with incomes in the $50k-75k range, with 337 originations. The second most popular income band? $50k or less, with 243 originations.
Applicant Debt to Income Ratio
Semper Home Loans lent most frequently to those with DTI ratios of 50-60%, with 210 originations. The next most common DTI ratio? 30-36%, with 130 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications96.78%
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 origination87.47%
Semper Home Loans has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 1,117 | $279,635,000 | $250,345 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 5 | $555,000 | $111,000 |
| Single Family (1-4 Units):Site-Built | 1,112 | $279,080,000 | $250,971 |