# SEMPER HOME LOANS, INC

> **Canonical URL:** https://saferate.com/lenders/semper-home-loans


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


SEMPER HOME LOANS, INC is a independent mortgage company, headquartered in WILMINGTON, DE, serving borrowers across 14 states, with 506 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 88% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 23% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300KT5OWPGQKWUN86
- **Headquarters:** WILMINGTON, DE
- **Geographic Reach:** Multi-Region
- **States Served:** 14
- **State List:** CA, CT, FL, GA, MA, NC, NH, NJ, PA, RI, SC, TN, TX, VT
- **Markets (MSAs):** 8
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 12/100
- Rating: ●○○○○ (1/5)

### Pull Through: Strong 😀
- Score: 77/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.548%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $5,119
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 506
- **Dollar Volume:** $189 million
- **Applications Received:** 638
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $373,399
- **Average Borrower Income:** $130,502
- **Average Property Value:** $440,455

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 51/100 | 247 | +0.529% | $4,554 | Sound ☺️ |
| FHA | 74/100 | 225 | +0.656% | $5,834 | Strong 😀 |
| VA | 65/100 | 30 | -0.003% | $5,111 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 215 loans, Score: 51/100 (Sound)
- Refinance: 32 loans, Score: 44/100 (Sound)

**FHA:**
- Purchase: 209 loans, Score: 74/100 (Strong)

**VA:**
- Purchase: 28 loans, Score: 65/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 62/100 | 453 | $167M | +0.568% | Strong 😀 |
| Refinance | 51/100 | 53 | $22M | +0.353% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| RI | 252 | 2.35% | 89/100 |
| MA | 102 | 0.17% | 66/100 |
| CT | 55 | 0.16% | 61/100 |
| TX | 27 | 0.01% | 44/100 |
| PA | 25 | 0.02% | 48/100 |
| NJ | 14 | 0.02% | 43/100 |
| FL | 10 | 0.00% | 34/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Providence | RI-MA | 267 | 89/100 |
| Non |  | 41 | 40/100 |
| Springfield, MA | MA | 34 | 63/100 |
| Worcester, MA | MA | 26 | 58/100 |
| San Antonio | TX | 22 | 50/100 |
| Hartford | CT | 18 | 49/100 |
| Cambridge | MA | 12 | 43/100 |
| Norwich | CT | 11 | 45/100 |

## Where This Lender Ranks

SEMPER HOME LOANS, INC appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#20** in Rhode Island for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/rhode-island/best-mortgage-lenders/mortgage-companies/va-loans)

## Frequently Asked Questions

### What loan types does SEMPER HOME LOANS, INC offer?

SEMPER HOME LOANS, INC offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does SEMPER HOME LOANS, INC offer mortgages?

SEMPER HOME LOANS, INC offers mortgages in 14 states: CA, CT, FL, GA, MA, NC, NH, NJ, PA, RI, SC, TN, TX, VT.

### How competitive are SEMPER HOME LOANS, INC's mortgage rates?

SEMPER HOME LOANS, INC has a pricing score of 12/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.548% above market average.

### What type of lender is SEMPER HOME LOANS, INC?

SEMPER HOME LOANS, INC is a non-depository lender that specializes in mortgage origination, headquartered in WILMINGTON, DE.

### What is SEMPER HOME LOANS, INC's loan approval success rate?

SEMPER HOME LOANS, INC has a pull-through score of 77/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/semper-home-loans

### How to Cite

> "SEMPER HOME LOANS, INC Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/semper-home-loans

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**[View Interactive Profile →](https://saferate.com/lenders/semper-home-loans)**