Lenders › Semper Home Loans, Inc › Rhode Island
Semper Home Loans, Inc in Rhode Island
HMDA record for properties in Rhode Island, calendar year 2024. National record · Rhode Island overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Semper Home Loans, Inc's 2024 HMDA record for Rhode Island covers 323 applications, 259 of them originated, worth $104m.
Its denial rate in the state was 6.5%, below the Rhode Island rate of 25.7% across all lenders and compared with the lender's national rate of 5.4%.
The median rate spread on its Rhode Island originations was 0.6 percentage points (state median 0.3).
Applications in the state were down 11% on 2023.
Compared with the state and the lender's national record
| Measure | In Rhode Island | Rhode Island, all lenders | Semper Home Loans, Inc, all states | United States |
|---|---|---|---|---|
| Denial rate | 6.5% | 25.7% | 5.4% | 24.3% |
| Median rate spread, pp | 0.6 | 0.3 | 0.6 | 0.3 |
| Originations with spread of 1.5 pp or more | 6.6% | 13.1% | 7.5% | 15.6% |
| Average originated loan | $403k | $317k | $372k | $329k |
| Home purchase share | 88.0% | 45.1% | 88.3% | 57.0% |
| FHA-insured share | 51.7% | 12.2% | 43.7% | 13.4% |
| VA-guaranteed share | 6.2% | 3.8% | 5.7% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateRhode Island, all lenders
Loan purpose and loan type in Rhode Island
By purpose
Home purchase 88% (228)Refinancing 12% (31)
By type
Conventional 42% (109)FHA 52% (134)VA 6% (16)
Denial reasons as coded
Withheld: fewer than 25 denials in the state.
Counties in Rhode Island
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Providence County | 218 | 173 | $70m | 7.5% |
| Kent County | 78 | 65 | $25m | 4.4% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Semper Home Loans, Inc originate in Rhode Island in 2024?
259 loans totalling $104m, from 323 applications reported for properties in Rhode Island.
What is Semper Home Loans, Inc's denial rate in Rhode Island?
6.5% of decided applications in Rhode Island were denied, against 25.7% for all lenders in the state and 5.4% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Rhode Island counties does Semper Home Loans, Inc lend in most?
By originations: Providence County (173), Kent County (65).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Rhode Island. Built 1 Oct 2026; data through 1 Aug 2026. See methodology and corrections.