Semper Home Loans in Florida vs the state
11.8%Denial rate-9.30 pts vs state
16.7%Decision denial rate-10.57 pts vs state
58.8%Origination rate+6.13 pts vs state
6.81%Median rate+0.19 pts vs state
0.68Rate spread (pts)+0.41 pts vs state
$108kMedian applicant income
10Loans originated
2Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 22 | 20 | 0.0% | 7.25% | #802 |
| 2024 | 14 | 10 | 7.1% | 6.94% | #846 |
| 2025 | 17 | 10 | 11.8% | 6.81% | #792 |
What Semper Home Loans lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Semper Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hillsborough County | 3 | 0 | 2 | 66.7% |
| Sarasota County | 3 | 3 | 0 | 0.0% |
| Brevard County | 2 | 2 | 0 | 0.0% |
| Charlotte County | 2 | 2 | 0 | 0.0% |
| Osceola County | 1 | 1 | 0 | 0.0% |
| Polk County | 1 | 0 | 0 | 0.0% |
| Hernando County | 1 | 1 | 0 | 0.0% |
| Leon County | 1 | 0 | 0 | 0.0% |
| St. Lucie County | 1 | 1 | 0 | 0.0% |
| Manatee County | 1 | 0 | 0 | 0.0% |
Other large lenders in Florida
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 71,405 | 15.3% | 6.44% |
| Rocket Mortgage | C | 46,611 | 21.0% | 6.63% |
| Bank of America | F | 23,634 | 37.7% | 6.24% |
| Pennymac Loan Services | C | 19,516 | 14.1% | 6.50% |
| Navy Federal Credit Union | D | 19,452 | 23.2% | 7.59% |
| Crosscountry Mortgage | B | 19,103 | 5.2% | 6.75% |
| Newrez | D | 17,519 | 22.4% | 6.75% |
| Dhi Mortgage Company | B | 16,661 | 14.5% | 4.88% |
| Lennar Mortgage | A | 14,984 | 21.0% | 4.75% |
| Truist Bank | C | 14,140 | 41.5% | 6.60% |
Frequently asked questions
Florida: 17 applications in 2025, of which 10 were originated and 2 denied.
11.8% of all applications, or 16.7% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Semper Home Loans originated in Florida in 2025 was 6.81%, against a statewide median of 6.63%.
About this data. Figures are Semper Home Loans's own HMDA filing for properties located in Florida, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology