SEMPER HOME LOANS, INC closing costs and rates (2024)
In 2024, SEMPER HOME LOANS, INC originated 432 purchase mortgages at a median interest rate of 6.62% and median total closing costs of $13,278. That is $6,537 above the national median of $6,741. SEMPER HOME LOANS, INC is most active in Rhode Island with 219 originations there.
Purchase Originations
432
Median Total Costs
$13,278
+97.0% vs national ($6,741)
Median Rate
6.625%
+0.1% vs national (6.620%)
Median Origination
$6,751
Median Lender Credits
$105
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| fha | 210 | 6.375% | $17,044 | $7,335 |
| conventional | 194 | 6.875% | $8,200 | $5,171 |
| va | 28 | 6.750% | $11,090 | $5,600 |
Active states
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Rhode Island | 219 | 6.500% | $15,691 | #10 |
| Massachusetts | 88 | 6.750% | $11,738 | #97 |
| Connecticut | 52 | 6.875% | $10,578 | #72 |
| Texas | 26 | 6.250% | $13,425 | — |
| Pennsylvania | 19 | 7.000% | $10,144 | — |
| Florida | 6 | 6.750% | $7,160 | — |
| New Jersey | 6 | 6.812% | $12,215 | — |
| North Carolina | 5 | 6.625% | $6,316 | — |
| Tennessee | 5 | 6.750% | $18,328 | — |
| New Hampshire | 4 | 6.750% | $6,139 | — |
| California | 1 | 6.875% | $13,047 | — |
| South Carolina | 1 | 5.875% | $8,488 | — |
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $7,492 | 7.125% | — | 3 | −$5,786 | |
| 2 | $7,577 | 6.875% | — | 3 | −$5,701 | |
| 3 | $7,860 | 6.875% | — | 11 | −$5,418 | |
| 4 | $8,248 | 6.812% | — | 4 | −$5,030 | |
| 5 | $9,216 | 6.625% | — | 4 | −$4,062 | |
| 6 | $9,539 | 7.000% | — | 3 | −$3,739 | |
| 7 | $10,076 | 6.875% | — | 31 | −$3,202 | |
| 8 | $10,110 | 7.062% | — | 8 | −$3,168 | |
| 9 | $10,144 | 7.125% | — | 3 | −$3,134 | |
| 10 | $10,409 | 6.750% | — | 13 | −$2,869 | |
| 11 | $10,578 | 6.625% | — | 18 | −$2,700 | |
| 12 | $11,101 | 6.688% | — | 8 | −$2,177 | |
| 13 | $11,500 | 6.750% | — | 15 | −$1,778 | |
| 14 | $12,388 | 7.125% | — | 22 | −$890 | |
| 15 | $13,342 | 6.250% | — | 19 | +$64 | |
| 16 | $13,626 | 6.938% | — | 4 | +$348 | |
| 17 | $15,080 | 6.500% | — | 56 | +$1,802 | |
| 18 | $16,134 | 6.500% | — | 148 | +$2,856 | |
| 19 | $16,790 | 6.688% | — | 12 | +$3,512 | |
| 20 | $23,781 | 6.750% | — | 3 | +$10,503 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2024. Sorted by median total loan costs.
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Data source: HMDA Modified Loan Application Register 2024, 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.