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 score and performance metrics.

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 an overall pricing score of 13.5/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is SENTE MORTGAGE, INC.?

SENTE MORTGAGE, INC. is a Independent Mortgage Company headquartered in WILMINGTON, DE.

Unclaimed

Sente Mortgage, Inc.

Independent Mortgage Company•WILMINGTON, DE•Direct to Consumer

We analyzed every closed loan from Sente Mortgage — 875 loans across 1k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.

Pricing

Mediocre

vs. all lenders

Pull Through

Strong

closing strength

Products

Strong

FHA · Conventional · VA · Jumbo · USDA

Place

Strong

Multi-Region · 8 mkts

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Safe Rate's Summary

What They Do Well

Strong pull through performance
Particularly strong in FHA and VA and Jumbo and USDA loans

Things to Think About

Rates typically 53 basis points above market average
Higher than average fees ($4,337)

Explore another lender or local market

Report Card

Sente Mortgage, Inc. performance at a glance

Category	Score	vs. Peers
Overall Performance· Pricing & closing strength
Pricing Rate competitiveness	Mediocre	Below peers +53.0 bps above market avg
Pull Through Closing strength	Strong	Highly Competitive Top 40% of lenders
By Loan Product· Specialization by type
Conventional	Sound	Industry Standard Top 60% of lenders
FHA	Strong	Highly Competitive Top 40% of lenders
VA	Strong	Highly Competitive Top 40% of lenders
Jumbo	Strong	Highly Competitive Top 40% of lenders
USDA	Strong	Highly Competitive Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase	Strong	Highly Competitive Top 40% of lenders
Refinance	Strong	Highly Competitive Top 40% of lenders
By Location· Geographic coverage
Geographic Reach Coverage footprint	Strong	Highly Competitive Top 40% of lenders Multi-Regional9 markets

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Acceptable	Sound	Mediocre	Sound	419	47.9%	+0.468%Above	$4,489Fees
FHA Loans	Sound	Strong	Mediocre	Strong	294	33.6%	+0.772%Above	$4,167Fees
VA Loans	Sound	Strong	Mediocre	Strong	126	14.4%	-0.038%Below	$4,573Fees
Jumbo Loans	Sound	Strong	—	Sound	13	1.5%	+0.184%Above	$3,159Fees
USDA Loans	Sound	Strong	—	Sound	23	2.6%	+0.705%Above	$2,872Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Acceptable	Strong	Mediocre	Sound	736	84.1%	+0.553%Above	$4,196Fees
Refinance	Sound	Strong	Mediocre	Strong	139	15.9%	+0.409%Above	$5,081Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

875

Applications

1,209

Volume

$280 million

Pricing & Closing

Avg Rate Spread

+0.530%

vs. market APOR

Avg Net Fees

$4,337

Origination − Credits

Pullthrough Rate

72.4%

Applications → Closed

Typical Borrower

Avg Loan Amount

$321,114

Avg Borrower Income

$131,146

Avg Property Value

$399,240

Geographic Coverage

Geographic Performance

Metro Areas

States Served

We count Washington DC as a state

Avg Place Specialization

Strong

States with Loan Originations

ALARGAILINKSLANCOHOKSCTNTX

Top Metro Areas by Place Specialization Score

Charleston, SCMSA

Volume: 195Mix: 22.29%of portfolio

Place

Exceptional

Little Rock, ARMSA

Volume: 145Mix: 16.57%of portfolio

Place

Exceptional

Jonesboro, AR, ARMSA

Volume: 27Mix: 3.09%of portfolio

Place

Strong

Houston, TXMSA

Volume: 122Mix: 13.94%of portfolio

Place

Strong

San Antonio, TXMSA

Volume: 105Mix: 12.00%of portfolio

Place

Strong

Killeen, TXMSA

Volume: 21Mix: 2.40%of portfolio

Place

Sound

Austin, TXMSA

Volume: 24Mix: 2.74%of portfolio

Place

Sound

Shreveport, LAMSA

Volume: 10Mix: 1.14%of portfolio

Place

Sound

Top States by Place Specialization Score

ARState

Volume: 223Mix: 25.49%of portfolio

Place

Strong

SCState

Volume: 206Mix: 23.54%of portfolio

Place

Strong

TXState

Volume: 302Mix: 34.51%of portfolio

Place

Strong

OKState

Volume: 46Mix: 5.26%of portfolio

Place

Sound

GAState

Volume: 54Mix: 6.17%of portfolio

Place

Sound

LAState

Volume: 12Mix: 1.37%of portfolio

Place

Sound

How We Rank Lenders

Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.

Our Point System (Max 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

Product

Specialization in the loan type (33%)

💎

Champion(80%+ = 24-30 points)

⭐

Superstar(60-79% = 18-23 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 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

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.