Purchase Originations
307
Median Total Costs
$12,422
+86.0% vs national ($6,680)
↓ $856 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$5,913
Median Lender Credits
$181
Denial Rate
6.7%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 150 | 6.875% | $7,283 | $3,986 |
| fha | 144 | 6.500% | $18,600 | $7,898 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Rhode Island | 158 | 6.625% | $14,979 | #13 |
| Massachusetts | 71 | 6.750% | $11,518 | #108 |
| Connecticut | 24 | 6.625% | $8,980 | — |
| Pennsylvania | 17 | 7.000% | $7,403 | — |
| Texas | 13 | 6.375% | $11,047 | — |
| New Jersey | 11 | 6.750% | $15,971 | — |
| New Hampshire | 6 | 6.558% | $7,825 | — |
| Florida | 4 | 6.438% | $15,583 | — |
| Maine | 1 | 6.490% | $4,996 | — |
| Ohio | 1 | 7.000% | $4,264 | — |
| Vermont | 1 | 6.875% | $5,346 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,318 | 6.620% | — | 2 | −$8,104 | |
| 2 | $5,885 | 6.875% | — | 5 | −$6,537 | |
| 3 | $6,880 | 6.750% | — | 6 | −$5,542 | |
| 4 | $7,122 | 6.438% | — | 2 | −$5,300 | |
| 5 | $7,403 | 7.250% | — | 7 | −$5,019 | |
| 6 | $7,772 | 6.750% | — | 8 | −$4,650 | |
| 7 | $9,341 | 6.750% | — | 5 | −$3,081 | |
| 8 | $9,702 | 6.500% | — | 3 | −$2,720 | |
| 9 | $10,296 | 6.750% | — | 17 | −$2,126 | |
| 10 | $10,599 | 6.500% | — | 7 | −$1,823 | |
| 11 | $10,892 | 6.375% | — | 8 | −$1,530 | |
| 12 | $11,461 | 7.125% | — | 3 | −$961 | |
| 13 | $11,518 | 6.625% | — | 9 | −$904 | |
| 14 | $12,936 | 7.000% | — | 5 | +$514 | |
| 15 | $14,335 | 6.750% | — | 22 | +$1,913 | |
| 16 | $14,587 | 6.625% | — | 47 | +$2,165 | |
| 17 | $14,631 | 6.875% | — | 3 | +$2,209 | |
| 18 | $16,437 | 6.562% | — | 104 | +$4,015 | |
| 19 | $16,799 | 6.625% | — | 3 | +$4,377 | |
| 20 | $17,576 | 7.000% | — | 5 | +$5,154 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Semper Home Loans, Inc | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $375,000 | $335,000 | +$40,000 (+11.9%) |
| Median total closing costs | $12,422 | $7,127 | +$5,295 (+74.3%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.