Semper Home Loans, Inc mortgage approval rate & lending review
Semper Home Loans, Inc decided 1,440 mortgage applications and funded 1,358 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Semper Home Loans, Inc reported under the Home Mortgage Disclosure Act, not its advertised interest rates. For current rates and applications go to semperhomeloans.com.
Semper Home Loans, Inc at a glance
Approval is 8.3 points above the 86.1% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 93% | 1,123 / 1,202 | 100% | $385K | 1,123 |
| Cash-out refinance | 100% | 40 / 40 | 100% | $335K | 40 |
| Refinance | 100% | 104 / 104 | 100% | $315K | 104 |
| Investment property purchase | 95% | 63 / 66 | 100% | $275K | 63 |
Semper Home Loans, Inc lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Rhode Island | 95% | $385K | 802 | 759 |
| Massachusetts | 94% | $385K | 330 | 310 |
| Connecticut | 93% | $275K | 61 | 57 |
| Texas | 96% | $215K | 54 | 52 |
| Pennsylvania | 92% | $295K | 49 | 45 |
| Florida | 92% | $365K | 40 | 37 |
| New Jersey | 89% | $325K | 38 | 34 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Semper Home Loans, Inc lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Providence County, RI | Mortgage lenders | 93% | 458 | 426 |
| Kent County, RI | Mortgage lenders | 95% | 192 | 182 |
| Hampden County, MA | Mortgage lenders | 90% | 111 | 100 |
| Providence County, RI | Refinance | 100% | 35 | 35 |
| Washington County, RI | Mortgage lenders | 97% | 35 | 34 |
| Monroe County, PA | Mortgage lenders | 85% | 27 | 23 |
The county markets where Semper Home Loans, Inc made the most loans. Each link opens that market with every lender ranked.
Questions about Semper Home Loans, Inc
What is Semper Home Loans, Inc's mortgage approval rate?
Semper Home Loans, Inc approved 94.3% of the 1,440 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 8.3 points above the 86.1% national rate for the same mix of loan types.
How often do borrowers take the loan Semper Home Loans, Inc offers?
Borrowers accepted 100% of the loans Semper Home Loans, Inc approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Semper Home Loans, Inc make?
The typical home purchase mortgage loan Semper Home Loans, Inc made was $385K; across all loan types its typical loan ran from $275K to $385K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Semper Home Loans, Inc lend?
Semper Home Loans, Inc decided applications in 23 of the states Fat Boy Data covers, most of them in Rhode Island, Massachusetts and Connecticut.
Can I apply to Semper Home Loans, Inc directly?
Yes. Semper Home Loans, Inc reports as a direct lender that takes applications from borrowers. Its website is semperhomeloans.com.
Does this page show Semper Home Loans, Inc's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Semper Home Loans, Inc treats applications, then get a rate quote from the lender.