Applications / Mortgage Analytics / Lenders / Rhode Island / Semper Home Loans
Providence, RI · Independent non-bank lender · CFPB · 415 loans in 2025
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415
loans originated, 2025
523
applications, 2025
15
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Semper Home Loans, a Providence lender, leans on loans insured by the Federal Housing Administration (FHA), which made up 43.6% of its lending in 2025, more than twice the share at similar lenders.
FHA loans made up 43.6% of its lending, against 18.7% at similar lenders, independent non-banks making between half and twice as many loans. That is a higher share than at nearly nine in ten of them, and up from 19.7% five years before. Home purchases made up 79.0% of its loans, and manufactured homes almost none.
Low- and moderate-income (LMI) borrowers took 38.5% of its loans, against 23.5% at similar lenders. Poorer neighborhoods (LMI tracts) took 29.4%, a higher share than at about nine in ten similar lenders and up from 12.1% five years before.
Providence-Warwick is its largest market. It has lent there since 2010 and ranked 39 of 475 lenders in 2025, with 0.7% of lending. Citizens Bank ranked first. It also lends in Worcester and Springfield, where it ranked 103 of 451 and 60 of 322.
It made 415 loans in 2025, a fifth fewer than in 2024, while similar lenders made 2% fewer. In 2020 it made 2,178, when refinances may have been a larger part of its business; they are 21.0% of its loans now. It filed no report for 2021, a gap in the record rather than a year without lending.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Semper Home Loans took 523 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 79.0% · Refinance 21.0%
Conventional 51.8% · FHA 43.6% · VA 4.6% · of 415 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Rhode Island | 212 | 51.1% |
| Massachusetts | 99 | 23.9% |
| Connecticut | 29 | 7.0% |
| Pennsylvania | 22 | 5.3% |
| Texas | 16 | 3.9% |
| New Jersey | 14 | 3.4% |
| Florida | 10 | 2.4% |
| New Hampshire | 6 | 1.4% |
| California | 1 | 0.2% |
| Illinois | 1 | 0.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Providence-Warwick | 224 |
| Worcester | 38 |
| Springfield | 27 |
| Boston | 16 |
| San Antonio-New Braunfels | 12 |
| Hartford-West Hartford-East Hartford | 11 |
| Cambridge-Newton-Framingham | 8 |
| Norwich-New London-Willimantic | 7 |
| Newark | 6 |
| New York-Jersey City-White Plains | 5 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300KT5OWPGQKWUN86 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 4326847 | 2011–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7202485875 |
Established 6 March 2013. Reported under HMDA 2010-2025.
Mergers, name changes, data editions and corrections: Semper Home Loans's data.
Semper Home Loans's data
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Semper Home Loans and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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