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 Refi and Home Purchase loans. Semper Home Loans has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Providence, Boston, Seattle, Washington, and Los Angeles among others. We have data for 178 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.
Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.87% | 4/28/24 |
| 30 Year Conventional Refi | 6.66% | 4/28/24 |
| 30 Year Cash-out Refi | 6.27% | 4/28/24 |
| 30 Year FHA Purchase | 7.63% | 4/28/24 |
| 30 Year FHA Refi | 7.35% | 4/28/24 |
| 30 Year VA Purchase | 6.24% | 4/28/24 |
| 30 Year VA Refi | 5.83% | 4/28/24 |
| 15 Year Conventional Purchase | 5.85% | 4/28/24 |
| 15 Year Conventional Refi | 5.57% | 4/28/24 |
| 15 Year Cash-out Refi | 5.57% | 4/28/24 |
| 15 Year VA Refi | 5.36% | 4/28/24 |
| 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
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
2,178Origination Dollar Volume (All Markets)
$684,640,000Awards
Semper Home Loans - 2020
Semper Home Loans is a 2020 , due to their low .
For 2020, less than of lenders were eligible for this award.
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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) | 811 | $217,545,000 | $268,243 | $6,171 | 3.17% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 100 | $36,030,000 | $360,300 | $4,646 | 2.83% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 91 | $34,945,000 | $384,011 | $4,315 | 2.96% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 82 | $33,520,000 | $408,780 | $2,927 | 2.64% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 65 | $27,575,000 | $424,231 | $3,194 | 2.67% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 72 | $26,190,000 | $363,750 | $5,861 | 2.77% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 42 | $17,600,000 | $419,048 | $3,090 | 2.67% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 40 | $17,190,000 | $429,750 | $3,353 | 2.83% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 34 | $15,170,000 | $446,176 | $2,680 | 2.71% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 36 | $14,650,000 | $406,944 | $2,479 | 2.67% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 47 | $12,735,000 | $270,957 | $5,093 | 2.95% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 40 | $12,060,000 | $301,500 | $3,746 | 2.96% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 38 | $11,430,000 | $300,789 | $6,030 | 2.78% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 30 | $9,230,000 | $307,667 | $4,872 | 3.04% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 23 | $8,715,000 | $378,913 | $2,774 | 2.77% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 22 | $7,780,000 | $353,636 | $2,700 | 2.72% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 26 | $7,030,000 | $270,385 | $4,808 | 2.89% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 24 | $6,100,000 | $254,167 | $4,798 | 3.64% |
| Outside of Metro Areas | 24 | $5,820,000 | $242,500 | $4,851 | 3.19% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 15 | $5,765,000 | $384,333 | $3,590 | 2.93% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 13 | $5,375,000 | $413,462 | $2,813 | 2.60% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 25 | $5,215,000 | $208,600 | $6,602 | 3.18% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 13 | $4,625,000 | $355,769 | $2,269 | 2.71% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 16 | $4,410,000 | $275,625 | $3,015 | 2.92% |
| PITTSBURGH, PA (FHA|USDA|VA) | 12 | $4,070,000 | $339,167 | $4,158 | 2.59% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 10 | $3,870,000 | $387,000 | $2,433 | 2.61% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 17 | $3,785,000 | $222,647 | $5,427 | 3.86% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 10 | $3,530,000 | $353,000 | $4,565 | 2.80% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 9 | $3,445,000 | $382,778 | $4,867 | 2.65% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 9 | $3,395,000 | $377,222 | $4,960 | 2.76% |
| RICHMOND, VA (FHA|USDA|VA) | 8 | $3,200,000 | $400,000 | $2,456 | 2.78% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 9 | $3,145,000 | $349,444 | $2,809 | 2.79% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 13 | $3,035,000 | $233,462 | $6,159 | 3.08% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 9 | $2,895,000 | $321,667 | $2,886 | 2.82% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 9 | $2,765,000 | $307,222 | $3,498 | 2.76% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 8 | $2,680,000 | $335,000 | $2,566 | 2.81% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 8 | $2,610,000 | $326,250 | $3,817 | 3.22% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 6 | $2,600,000 | $433,333 | $3,319 | 2.83% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 12 | $2,570,000 | $214,167 | $5,561 | 3.20% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 8 | $2,500,000 | $312,500 | $2,742 | 2.88% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 7 | $2,415,000 | $345,000 | $4,735 | 2.91% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 7 | $2,245,000 | $320,714 | $3,119 | 2.73% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 6 | $2,180,000 | $363,333 | $3,407 | 2.79% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 7 | $2,155,000 | $307,857 | $4,013 | 2.70% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 5 | $2,065,000 | $413,000 | $2,961 | 2.65% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 8 | $1,950,000 | $243,750 | $7,061 | 3.56% |
| NORWICH-NEW LONDON, CT (FHA|USDA|VA) | 9 | $1,935,000 | $215,000 | $7,231 | 3.40% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 5 | $1,765,000 | $353,000 | $3,411 | 2.60% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 6 | $1,730,000 | $288,333 | $3,859 | 2.96% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 5 | $1,725,000 | $345,000 | $2,886 | 2.88% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 4 | $1,680,000 | $420,000 | $1,861 | 2.72% |
| BOULDER, CO (FHA|USDA|VA) | 4 | $1,680,000 | $420,000 | $4,312 | 2.97% |
| VALLEJO, CA (FHA|USDA|VA) | 5 | $1,645,000 | $329,000 | $3,562 | 2.85% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 4 | $1,620,000 | $405,000 | $3,970 | 2.97% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 4 | $1,610,000 | $402,500 | $2,467 | 2.69% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 5 | $1,605,000 | $321,000 | $4,883 | 3.10% |
| STOCKTON, CA (FHA|USDA|VA) | 4 | $1,440,000 | $360,000 | $3,504 | 3.16% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 7 | $1,425,000 | $203,571 | $6,043 | 3.50% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 5 | $1,295,000 | $259,000 | $5,143 | 2.95% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 4 | $1,250,000 | $312,500 | $7,320 | 2.75% |
| VISALIA, CA (FHA|USDA|VA) | 4 | $1,240,000 | $310,000 | $5,459 | 3.31% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 4 | $1,170,000 | $292,500 | $4,683 | 2.91% |
| PROVO-OREM, UT (FHA|USDA|VA) | 3 | $1,155,000 | $385,000 | $2,342 | 2.79% |
| COLUMBIA, SC (FHA|USDA|VA) | 4 | $1,140,000 | $285,000 | $4,462 | 2.84% |
| BELLINGHAM, WA (FHA|USDA|VA) | 3 | $1,115,000 | $371,667 | $3,396 | 3.58% |
| TULSA, OK (FHA|USDA|VA) | 3 | $1,105,000 | $368,333 | $3,400 | 3.00% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 4 | $1,100,000 | $275,000 | $3,361 | 2.78% |
| Oak Harbor, WA (FHA|USDA|VA) | 3 | $1,065,000 | $355,000 | $4,533 | 3.46% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 5 | $1,045,000 | $209,000 | $3,850 | 3.35% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 4 | $1,030,000 | $257,500 | $5,127 | 3.34% |
| NAPA, CA (FHA|USDA|VA) | 2 | $960,000 | $480,000 | $1,936 | 2.44% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 3 | $955,000 | $318,333 | $2,119 | 2.79% |
| ASHEVILLE, NC (FHA|USDA|VA) | 2 | $950,000 | $475,000 | $2,197 | 2.69% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 2 | $940,000 | $470,000 | $1,917 | 2.63% |
| SPARTANBURG, SC (FHA|USDA|VA) | 4 | $930,000 | $232,500 | $5,426 | 3.09% |
| ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) | 2 | $880,000 | $440,000 | $3,819 | 2.38% |
| PITTSFIELD, MA (FHA|USDA|VA) | 3 | $865,000 | $288,333 | $3,477 | 2.75% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 2 | $820,000 | $410,000 | $4,120 | 3.75% |
| MODESTO, CA (FHA|USDA|VA) | 3 | $785,000 | $261,667 | $4,316 | 3.63% |
| GREELEY, CO (FHA|USDA|VA) | 2 | $740,000 | $370,000 | $5,629 | 3.00% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 2 | $730,000 | $365,000 | $1,115 | 2.63% |
| LONGVIEW, WA (FHA|USDA|VA) | 2 | $710,000 | $355,000 | $3,476 | 2.38% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 2 | $710,000 | $355,000 | $1,706 | 2.63% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 2 | $680,000 | $340,000 | $4,441 | 3.19% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $1,832 | 2.56% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $3,245 | 2.94% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $5,431 | 4.91% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $4,711 | 3.50% |
| TUCSON, AZ (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $2,386 | 3.63% |
| GAINESVILLE, FL (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $2,227 | 2.63% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $2,412 | 3.25% |
| THE VILLAGES, FL (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $2,817 | 2.50% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $1,685 | 2.25% |
| SALINAS, CA (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $3,199 | 3.50% |
| Concord, NH (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $8,408 | 3.19% |
| COLUMBUS, OH (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $6,637 | 3.44% |
| Hood River, OR (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $2,647 | 2.25% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $3,933 | 3.63% |
| BANGOR, ME (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $4,312 | 3.19% |
| Bonham, TX (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $4,462 | 2.75% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $2,312 | 2.38% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $2,564 | 3.25% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $2,225 | 2.88% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $4,691 | 2.75% |
| LANCASTER, PA (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $19,831 | 2.88% |
| BRUNSWICK, GA (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $2,173 | 2.75% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $17,758 | 2.75% |
| ST. GEORGE, UT (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $2,130 | 2.50% |
| GRANTS PASS, OR (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $2,435 | 2.88% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $1,777 | 2.00% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $1,928 | 2.50% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $2,329 | 2.88% |
| ELKHART-GOSHEN, IN (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $2,107 | 2.38% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $2,614 | 2.50% |
| Easton, MD (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $2,931 | 2.75% |
| Ashland, OH (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $6,437 | 3.25% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $1,706 | 2.38% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $2,823 | 2.50% |
| MISSOULA, MT (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $2,828 | 2.75% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $1,962 | 2.00% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $1,341 | 2.50% |
| WILMINGTON, NC (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $2,146 | 3.13% |
| Heber, UT (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $1,963 | 2.63% |
| SAGINAW, MI (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $1,185 | 2.75% |
| SAN ANGELO, TX (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $1,955 | 2.75% |
| Vineyard Haven, MA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $1,004 | 2.50% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $2,356 | 2.94% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $2,173 | 2.50% |
| KNOXVILLE, TN (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $1,626 | 2.50% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $3,304 | 2.75% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $3,380 | 2.88% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $7,151 | 3.44% |
| Enterprise, AL (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $1,800 | 2.75% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $4,674 | 2.63% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $5,433 | 3.31% |
| READING, PA (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $4,382 | 3.13% |
| Torrington, CT (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $2,773 | 2.25% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $6,521 | 3.63% |
| CHICO, CA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $8,960 | 4.88% |
| CLEVELAND, TN (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $2,533 | 2.75% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,964 | 2.75% |
| Keene, NH (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,042 | 3.75% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $7,693 | 3.00% |
| Safford, AZ (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $5,943 | 3.75% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $5,860 | 3.75% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $2,181 | 2.75% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,680 | 3.25% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $6,944 | 4.25% |
| FRESNO, CA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $1,648 | 2.25% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $11,627 | 2.63% |
| CUMBERLAND, MD-WV (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $9,081 | 3.50% |
| SIOUX FALLS, SD (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,547 | 3.25% |
| Rutland, VT (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,388 | 3.75% |
| Cookeville, TN (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $1,650 | 3.25% |
| YAKIMA, WA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $5,160 | 3.63% |
| GAINESVILLE, GA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $5,161 | 4.13% |
| SYRACUSE, NY (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $1,552 | 2.75% |
| LEBANON, PA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,210 | 2.63% |
| RAPID CITY, SD (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,560 | 3.63% |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $1,592 | 3.25% |
| GLENS FALLS, NY (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $4,374 | 3.00% |
| KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $5,619 | 3.38% |
| SAVANNAH, GA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $4,953 | 3.75% |
| ROCHESTER, NY (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $11,158 | 4.25% |
| CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $7,571 | 4.00% |
| Seneca, SC (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,636 | 3.25% |
| Garden City, KS (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,082 | 3.00% |
| LAWTON, OK (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $1,804 | 2.75% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,886 | 3.25% |
| LYNCHBURG, VA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,151 | 3.63% |
| UTICA-ROME, NY (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,902 | 3.25% |
| Key West, FL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $5,983 | 2.88% |
| Wilmington, OH (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,678 | 3.50% |
| Fremont, NE (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,488 | 3.63% |
| Sunbury, PA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $6,861 | 3.25% |
| MUSKEGON, MI (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,477 | 3.25% |
| Martin, TN (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $5,015 | 3.50% |
| EVANSVILLE, IN-KY (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $4,153 | 3.75% |
Their top states include:
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Product Mix
For 2020, Semper Home Loans's most frequently originated type of loan was Conventional, with 1,492 originations. Their 2nd most popular type was FHA, with 430 originations.
Loan Reason
For 2020, Semper Home Loans's most frequently cited loan purpose was Refi, with 1,529 originations. The 2nd most popular reason was Home Purchase, with 647 originations.
Loan Duration/Length
For 2020, Semper Home Loans's most frequently cited loan duration was 30 Year, with 1,817 originations. The 2nd most popular length was 15 Year, with 226 originations.
Origination Fees/Closing Costs
Semper Home Loans's average total fees were $5,226, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 999 originations.
Interest Rates
During 2020, Semper Home Loans's average interest rate for loans was 3.08%, while their most frequently originated rate bucket for loans was 2.5-3%, with 870 originations.
Loan Sizing
2020 saw Semper Home Loans place emphasis on $200k-400k loans with 1,282 originations, totaling $382,540,000 in origination value.
Applicant Income
Semper Home Loans lent most frequently to those with incomes in the $100k-150k range, with 515 originations. The second most popular income band? $150k-250k, with 445 originations.
Applicant Debt to Income Ratio
Semper Home Loans lent most frequently to those with DTI ratios of 20-30%, with 523 originations. The next most common DTI ratio? 30-36%, with 379 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications97.18%
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 origination91.23%
Semper Home Loans has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 2,178 | $684,640,000 | $314,343 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 4 | $640,000 | $160,000 |
| Single Family (1-4 Units):Site-Built | 2,174 | $684,000,000 | $314,627 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2020 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| SEMPER HOME LOANS, INC | Conventional home mortgage | Closing on a mortgage | 1 | 50.0% |
| SEMPER HOME LOANS, INC | FHA mortgage | Closing on a mortgage | 1 | 50.0% |