Semper Home Loans
We analyzed every closed loan from Semper Home Loans — 506 loans across 638 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Mediocre
1/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA
Place
Sound
3/5
Multi-Region · 7 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in FHA and VA loans
Things to Think About
- Rates typically 55 basis points above market average
- Higher than average fees ($5,119)
Explore another lender or local market
Report Card
Semper Home Loans performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+54.8 bps above market avg
1/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
247 loans · 0.53% above market
Sound
Top 60% of lenders
3/5
FHA
225 loans · 0.66% above market
Strong
Top 40% of lenders
4/5
VA
30 loans · 0.00% below market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
453 loans · 0.57% above market
Strong
Top 40% of lenders
4/5
Refinance
53 loans · 0.35% above market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 8 markets
Sound
Top 60% of lenders
3/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 247 | 48.8% | +0.529%Above | $4,554Fees | ||||
FHA Loans | 225 | 44.5% | +0.656%Above | $5,834Fees | ||||
VA Loans | — | 30 | 5.9% | -0.003%Below | $5,111Fees |
Conventional
OverallAcceptable
ProductSound
PricingMediocre
Pull ThroughSound
Volume247
Mix48.8%
Spread
+0.529%Above
Fees
$4,554Fees
FHA Loans
OverallSound
ProductStrong
PricingMediocre
Pull ThroughExceptional
Volume225
Mix44.5%
Spread
+0.656%Above
Fees
$5,834Fees
VA Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughStrong
Volume30
Mix5.9%
Spread
-0.003%Below
Fees
$5,111Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 453 | 89.5% | +0.568%Above | $5,131Fees | ||||
Refinance | 53 | 10.5% | +0.353%Above | $4,995Fees |
Purchase
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume453
Mix89.5%
Spread
+0.568%Above
Fees
$5,131Fees
Refinance
OverallAcceptable
ProductSound
PricingMediocre
Pull ThroughStrong
Volume53
Mix10.5%
Spread
+0.353%Above
Fees
$4,995Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
506
Applications
638
Volume
$188 million
Pricing & Closing
Avg Rate Spread
+0.548%
vs. market APOR
Avg Net Fees
$5,119
Origination − Credits
Pullthrough Rate
79.3%
Applications → Closed
Typical Borrower
Avg Loan Amount
$373,399
Avg Borrower Income
$130,502
Avg Property Value
$440,455
Geographic Coverage
Geographic Performance
Metro Areas
7
markets with activity
States Served
14
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
14Full-year 2024 · HMDALoans originated
< 1010–2020–5050+None
Northeast7
CTMANHNJPARIVT
South6
FLGANCSCTNTX
West1
CA
Top States by Place Specialization Score
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.