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SENTE MORTGAGE, INC.
Independent Mortgage Company|WILMINGTON, DE|Multi-Region
Loans Originated
875
Applications
1,209
Volume
$280 million
Offers loans directly to consumers
Overall Pricing
Mediocre
Overall Pull Through
Strong
Pricing and Pullthrough Overview
Average Rate Spread
+0.530%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$4,337
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
72.4%
Percentage of applications that result in closed loans
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)
Report Card
SENTE MORTGAGE, INC. performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Mediocre | Below peers | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Sound | Industry Standard | |
FHA | Strong | Highly Competitive | |
VA | Strong | Highly Competitive | |
Jumbo | Strong | Highly Competitive | |
USDA | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Strong | Multi-Regional · 9 metro areas · 13 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$321,114
Average Borrower Income
$131,146
Average Property Value
$399,240
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% | $4,489 |
FHA Loans | Sound | Strong | Mediocre | Strong | 294 | 33.6% | +0.772% | $4,167 |
VA Loans | Sound | Strong | Mediocre | Strong | 126 | 14.4% | -0.038% | $4,573 |
Jumbo Loans | Sound | Strong | N/A | Sound | 13 | 1.5% | +0.184% | $3,159 |
USDA Loans | Sound | Strong | N/A | Sound | 23 | 2.6% | +0.705% | $2,872 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Acceptable | Strong | Mediocre | Sound | 736 | 84.1% | +0.553% | $4,196 |
Refinance | Sound | Strong | Mediocre | Strong | 139 | 15.9% | +0.409% | $5,081 |
Geographic Coverage
Metro Areas
8
States Served
13
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
ALARGAILINKSLANCOHOKSCTNTX
Top Metro Areas by Place Specialization Score
1
Charleston, SCMSA
Volume: 195Mix: 22.29%
Place Specialization
Exceptional
2
Little Rock, ARMSA
Volume: 145Mix: 16.57%
Place Specialization
Exceptional
3
Jonesboro, AR, ARMSA
Volume: 27Mix: 3.09%
Place Specialization
Strong
4
Houston, TXMSA
Volume: 122Mix: 13.94%
Place Specialization
Strong
5
San Antonio, TXMSA
Volume: 105Mix: 12.00%
Place Specialization
Strong
6
Killeen, TXMSA
Volume: 21Mix: 2.40%
Place Specialization
Sound
7
Austin, TXMSA
Volume: 24Mix: 2.74%
Place Specialization
Sound
8
Shreveport, LAMSA
Volume: 10Mix: 1.14%
Place Specialization
Sound
Top States by Place Specialization Score
1
ARState
Volume: 223Mix: 25.49%
Place Specialization
Strong
2
SCState
Volume: 206Mix: 23.54%
Place Specialization
Strong
3
TXState
Volume: 302Mix: 34.51%
Place Specialization
Strong
4
OKState
Volume: 46Mix: 5.26%
Place Specialization
Sound
5
GAState
Volume: 54Mix: 6.17%
Place Specialization
Sound
6
LAState
Volume: 12Mix: 1.37%
Place Specialization
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)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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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