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SEMPER HOME LOANS, INC
Independent Mortgage Company|WILMINGTON, DE|Multi-Region
Loans Originated
506
Applications
638
Volume
$188 million
Offers loans directly to consumers
Overall Pricing
Mediocre
Overall Pull Through
Strong
Pricing and Pullthrough Overview
Average Rate Spread
+0.548%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$5,119
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
79.3%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Strong pull through performance
- Particularly strong in FHA and VA loans
Things to Think About
- Rates typically 55 basis points above market average
- Higher than average fees ($5,119)
Report Card
SEMPER HOME LOANS, INC performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Mediocre | Below peers | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Sound | Industry Standard | |
FHA | Strong | Highly Competitive | |
VA | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Sound | Industry Standard | |
Places Geographic coverage | Sound | Multi-Regional · 8 metro areas · 14 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$373,399
Average Borrower Income
$130,502
Average Property Value
$440,455
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Acceptable | Sound | Mediocre | Sound | 247 | 48.8% | +0.529% | $4,554 |
FHA Loans | Sound | Strong | Mediocre | Exceptional | 225 | 44.5% | +0.656% | $5,834 |
VA Loans | Strong | Strong | N/A | Strong | 30 | 5.9% | -0.003% | $5,111 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Strong | Mediocre | Strong | 453 | 89.5% | +0.568% | $5,131 |
Refinance | Acceptable | Sound | Mediocre | Strong | 53 | 10.5% | +0.353% | $4,995 |
Geographic Coverage
Metro Areas
7
States Served
14
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
CACTFLGAMANCNHNJPARISCTNTXVT
Top Metro Areas by Place Specialization Score
1
Providence, RI-MAMSA
Volume: 267Mix: 52.77%
Place Specialization
Exceptional
2
Springfield, MA, MAMSA
Volume: 34Mix: 6.72%
Place Specialization
Strong
3
Worcester, MA, MAMSA
Volume: 26Mix: 5.14%
Place Specialization
Sound
4
San Antonio, TXMSA
Volume: 22Mix: 4.35%
Place Specialization
Sound
5
Hartford, CTMSA
Volume: 18Mix: 3.56%
Place Specialization
Sound
6
Norwich, CTMSA
Volume: 11Mix: 2.17%
Place Specialization
Sound
7
Cambridge, MAMSA
Volume: 12Mix: 2.37%
Place Specialization
Sound
Top States by Place Specialization Score
1
RIState
Volume: 252Mix: 49.80%
Place Specialization
Exceptional
2
MAState
Volume: 102Mix: 20.16%
Place Specialization
Strong
3
CTState
Volume: 55Mix: 10.87%
Place Specialization
Strong
4
PAState
Volume: 25Mix: 4.94%
Place Specialization
Sound
5
TXState
Volume: 27Mix: 5.34%
Place Specialization
Sound
6
NJState
Volume: 14Mix: 2.77%
Place Specialization
Sound
7
FLState
Volume: 10Mix: 1.98%
Place Specialization
Acceptable
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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