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. 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.
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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. | ||
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
866Origination Dollar Volume (All Markets)
$271,640,000Awards
Semper Home Loans - 2022
Semper Home Loans is a 2022 , due to their low .
For 2022, 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) | 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% |
Their top states include:
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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
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
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
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
2022 saw Semper Home Loans place emphasis on $200k-400k loans with 567 originations, totaling $167,365,000 in origination value.
Applicant Income
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
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
Approval Rates
Total approvals of all applications94.30%
Semper Home Loans has an average approval rate.
Pick Rate
Approvals leading to origination77.83%
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 |