# SENTE MORTGAGE, INC.

> **Canonical URL:** https://saferate.com/lenders/sente-mortgage


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


SENTE MORTGAGE, INC. is a independent mortgage company, headquartered in WILMINGTON, DE, serving borrowers across 13 states, with 875 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 86% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 31% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300LP3GMTWS4OB353
- **Headquarters:** WILMINGTON, DE
- **Geographic Reach:** Multi-Region
- **States Served:** 13
- **State List:** AL, AR, GA, IL, IN, KS, LA, NC, OH, OK, SC, TN, TX
- **Markets (MSAs):** 9
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 14/100
- Rating: ●○○○○ (1/5)

### Pull Through: Strong 😀
- Score: 69/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.530%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $4,337
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 875
- **Dollar Volume:** $281 million
- **Applications Received:** 1,209
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $321,114
- **Average Borrower Income:** $131,146
- **Average Property Value:** $399,240

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 57/100 | 419 | +0.468% | $4,489 | Sound ☺️ |
| FHA | 76/100 | 294 | +0.772% | $4,167 | Strong 😀 |
| VA | 75/100 | 126 | -0.038% | $4,573 | Strong 😀 |
| Jumbo | 61/100 | 13 | +0.184% | $3,159 | Strong 😀 |
| USDA | 75/100 | 23 | +0.705% | $2,872 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 333 loans, Score: 57/100 (Sound)
- Refinance: 86 loans, Score: 59/100 (Sound)

**FHA:**
- Purchase: 251 loans, Score: 75/100 (Strong)
- Refinance: 43 loans, Score: 49/100 (Sound)

**VA:**
- Purchase: 120 loans, Score: 75/100 (Strong)

**USDA:**
- Purchase: 23 loans, Score: 75/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 68/100 | 736 | $232M | +0.553% | Strong 😀 |
| Refinance | 62/100 | 139 | $49M | +0.409% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 302 | 0.09% | 70/100 |
| AR | 223 | 0.69% | 76/100 |
| SC | 206 | 0.26% | 75/100 |
| GA | 54 | 0.04% | 55/100 |
| OK | 46 | 0.11% | 56/100 |
| LA | 12 | 0.03% | 41/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Charleston | SC | 195 | 87/100 |
| Little Rock | AR | 145 | 83/100 |
| Non |  | 135 | 56/100 |
| Houston | TX | 122 | 67/100 |
| San Antonio | TX | 105 | 67/100 |
| Jonesboro, AR | AR | 27 | 68/100 |
| Austin | TX | 24 | 51/100 |
| Killeen | TX | 21 | 52/100 |
| Shreveport | LA | 10 | 42/100 |

## Where This Lender Ranks

SENTE MORTGAGE, INC. appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#12** in Jonesboro, AR Mortgage Companies
  - [View Full Rankings](https://saferate.com/jonesboro-ar/best-mortgage-lenders/mortgage-companies)
- 🏆 **#12** in Jonesboro, AR for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/jonesboro-ar/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#20** in Jonesboro, AR for FHA Loans
  - [View Full Rankings](https://saferate.com/jonesboro-ar/best-mortgage-lenders/fha-loans)

## Frequently Asked Questions

### What loan types does SENTE MORTGAGE, INC. offer?

SENTE MORTGAGE, INC. offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does SENTE MORTGAGE, INC. offer mortgages?

SENTE MORTGAGE, INC. offers mortgages in 13 states: AL, AR, GA, IL, IN, KS, LA, NC, OH, OK, SC, TN, TX.

### How competitive are SENTE MORTGAGE, INC.'s mortgage rates?

SENTE MORTGAGE, INC. has a pricing score of 14/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.530% above market average.

### What type of lender is SENTE MORTGAGE, INC.?

SENTE MORTGAGE, INC. is a non-depository lender that specializes in mortgage origination, headquartered in WILMINGTON, DE.

### What is SENTE MORTGAGE, INC.'s loan approval success rate?

SENTE MORTGAGE, INC. has a pull-through score of 69/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/sente-mortgage

### How to Cite

> "SENTE MORTGAGE, INC. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/sente-mortgage

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