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Semper Home Loans

Independent Mortgage Company•Wilmington, DEHQ•Direct•Reviews near you on Google

We analyzed every closed loan from Semper Home Loans — 506 loans across 638 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Mediocre
1/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA
Place
Sound
3/5
Multi-Region · 7 mkts

Safe Rate 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)

Explore another lender or local market

Report Card

Semper Home Loans performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+54.8 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
FHA
Strong
Top 40% of lenders
VA
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 8 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Acceptable
Product
Sound
Pricing
Mediocre
Pull Through
Sound
Volume247
Mix48.8%
Spread
+0.529%Above
Fees
$4,554Fees
FHA Loans
Overall
Sound
Product
Strong
Pricing
Mediocre
Pull Through
Exceptional
Volume225
Mix44.5%
Spread
+0.656%Above
Fees
$5,834Fees
VA Loans
Overall
Strong
Product
Strong
Pricing—
Pull Through
Strong
Volume30
Mix5.9%
Spread
-0.003%Below
Fees
$5,111Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Strong
Pricing
Mediocre
Pull Through
Strong
Volume453
Mix89.5%
Spread
+0.568%Above
Fees
$5,131Fees
Refinance
Overall
Acceptable
Product
Sound
Pricing
Mediocre
Pull Through
Strong
Volume53
Mix10.5%
Spread
+0.353%Above
Fees
$4,995Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
506
Applications
638
Volume
$188 million
Pricing & Closing
Avg Rate Spread
+0.548%
vs. market APOR
Avg Net Fees
$5,119
Origination − Credits
Pullthrough Rate
79.3%
Applications → Closed
Typical Borrower
Avg Loan Amount
$373,399
Avg Borrower Income
$130,502
Avg Property Value
$440,455

Geographic Coverage

Geographic Performance

Metro Areas
7
markets with activity
States Served
14
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

14
14 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Northeast7
CTMANHNJPARIVT
South6
FLGANCSCTNTX
West1
CA

Top Metro Areas by Place Specialization Score

1© Macaolards · CC BY-SA 4.0
Providence, RI-MAMetro
Volume 267Mix 52.77% of portfolio
89/100
Exceptional
2© Matt Turner · CC BY 2.0
Springfield, MAMetro
Volume 34Mix 6.72% of portfolio
63/100
Strong
3© Quintin Soloviev · CC BY 4.0
Worcester, MAMetro
Volume 26Mix 5.14% of portfolio
58/100
Sound
4© Medialecent · CC BY 4.0
San Antonio, TXMetro
Volume 22Mix 4.35% of portfolio
50/100
Sound
5© Quintin Soloviev · CC BY 4.0
Hartford, CTMetro
Volume 18Mix 3.56% of portfolio
49/100
Sound
6© Bobphoenix · CC BY-SA 4.0
Norwich, CTMetro
Volume 11Mix 2.17% of portfolio
45/100
Sound
7© Percival Kestreltail · CC BY-SA 3.0
Cambridge, MAMetro
Volume 12Mix 2.37% of portfolio
43/100
Sound

Top States by Place Specialization Score

Rhode Island
Rhode Island
1
Rhode IslandState
Volume 252Mix 49.80% of portfolio
89/100
Exceptional
Massachusetts
Massachusetts
2
MassachusettsState
Volume 102Mix 20.16% of portfolio
66/100
Strong
Connecticut
Connecticut
3
ConnecticutState
Volume 55Mix 10.87% of portfolio
61/100
Strong
Pennsylvania
Pennsylvania
4
PennsylvaniaState
Volume 25Mix 4.94% of portfolio
48/100
Sound
Texas
Texas
5
TexasState
Volume 27Mix 5.34% of portfolio
44/100
Sound
New Jersey
New Jersey
6
New JerseyState
Volume 14Mix 2.77% of portfolio
43/100
Sound
Florida
Florida
7
FloridaState
Volume 10Mix 1.98% of portfolio
34/100
Acceptable

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
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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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.