SEMPER HOME LOANS, INC received 523 applications in 2025 and made
415 mortgages, in 68 counties across 17 states.
The median rate its borrowers got was 6.625% on a median loan of $365,000.
Of 441 decisions, 26 were denials — 5.9%, most often for debt-to-income ratio.
Legal Entity Identifier
549300KT5OWPGQKWUN86
Applications received
523
Mortgages made
415
Denied
26
Approved, not taken up
0
Withdrawn or incomplete
82
Loans bought from other lenders
0
Median rate spread over the prime offer rate
0.583 points
FDIC-insured bank
This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name.
By loan purpose
Purpose
Mortgages made
Median rate
Median loan
Denied
Home purchase
328
6.625%
$365,000
7.3%
Refinancing
39
6.125%
$375,000
0.0%
Cash-out refinancing
48
6.500%
$355,000
0.0%
Where SEMPER HOME LOANS, INC lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
When SEMPER HOME LOANS, INC’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act
loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application
a covered lender received, as the lender reported it. A median rate is what borrowers got, not what
you will be offered — it depends on the loan, the property, your credit and the market on the day,
and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.