Lender in Rhode Island · HMDA 2025
Semper Home Loans, Inc. mortgages in Rhode Island
Semper Home Loans, Inc.'s 2025 home-purchase and refinance lending in Rhode Island, compared with all lenders in the state.
Semper Home Loans, Inc. originated 203 owner-occupied single-family loans in Rhode Island from 212 completed applications, making it the state's #16 lender by volume.
Its median conventional purchase loan costs were $7,860 versus $5,000 for all Rhode Island lenders, at a median 30-year fixed rate of 6.875% (Rhode Island: 6.625%).
Loans in RI
203
of 212 applications
Denial rate
5.4%
Purchase · RI 6.6%
Rate spread
+0.49 pts
Conv. · RI +0.16 pts
Loan amount
$415,000
Purchase · RI $415,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 167 | 158 | 5.4% | 6.875% | +0.49 pts | $7,860 | $415,000 |
| Refinance | 18 | 18 | — | — | — | — | — |
| Cash-out refinance | 27 | 27 | 0.0% | — | — | — | $355,000 |
*Conventional loans only; medians with at least 20 loans.
Rhode Island counties where Semper Home Loans, Inc. ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Kent County | 12 | 62 | 2.4% |
| Providence County | 14 | 130 | 1.9% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology