Sente Mortgage Rates, Fees & Info
WILMINGTON, DELEI: 549300LP3GMTWS4OB353
Tax ID: 26-0402100
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Mortgage Data
Review & Overview
Sente Mortgage is a smaller mortgage company specializing in Home Purchase and Refi loans. Sente Mortgage has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Houston, San Antonio, Austin, Dallas, and Little Rock among others. We have data for 58 markets. (Some data included below & more in-depth data is available with an active subscription.)Sente Mortgage has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Sente Mortgage is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.98% | 4/21/24 |
| 30 Year Conventional Refi | 6.67% | 4/21/24 |
| 30 Year Cash-out Refi | 7.00% | 4/21/24 |
| 30 Year FHA Purchase | 7.79% | 4/21/24 |
| 30 Year FHA Refi | 7.38% | 4/21/24 |
| 30 Year VA Purchase | 6.60% | 4/21/24 |
| 30 Year VA Refi | 6.40% | 4/21/24 |
| 30 Year USDA Purchase | 7.14% | 4/21/24 |
| 15 Year Conventional Purchase | 6.36% | 4/21/24 |
| 15 Year Conventional Refi | 6.39% | 4/21/24 |
| 15 Year Cash-out Refi | 6.39% | 4/21/24 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Sente Mortgage Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
2,185Origination Dollar Volume (All Markets)
$598,145,000Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 508 | $158,530,000 | $312,067 | $6,668 | 3.14% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 450 | $127,360,000 | $283,022 | $6,850 | 3.29% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 190 | $78,560,000 | $413,474 | $8,177 | 3.15% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 227 | $65,225,000 | $287,335 | $6,325 | 3.24% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 288 | $56,630,000 | $196,632 | $5,601 | 3.11% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 127 | $25,905,000 | $203,976 | $6,412 | 3.37% |
| Outside of Metro Areas | 78 | $19,310,000 | $247,564 | $5,449 | 3.27% |
| WACO, TX (FHA|USDA|VA) | 52 | $11,570,000 | $222,500 | $6,808 | 3.47% |
| TOPEKA, KS (FHA|USDA|VA) | 70 | $10,840,000 | $154,857 | $5,174 | 3.24% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 36 | $8,720,000 | $242,222 | $5,203 | 3.15% |
| Searcy, AR (FHA|USDA|VA) | 23 | $4,495,000 | $195,435 | $5,159 | 3.17% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 12 | $3,900,000 | $325,000 | $6,854 | 3.07% |
| Ottawa, KS (FHA|USDA|VA) | 20 | $3,170,000 | $158,500 | $5,261 | 3.19% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 9 | $2,205,000 | $245,000 | $6,233 | 3.05% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 7 | $1,745,000 | $249,286 | $4,858 | 2.93% |
| Kerrville, TX (FHA|USDA|VA) | 6 | $1,720,000 | $286,667 | $6,934 | 3.18% |
| WICHITA, KS (FHA|USDA|VA) | 6 | $1,150,000 | $191,667 | $3,598 | 3.19% |
| LAWRENCE, KS (FHA|USDA|VA) | 4 | $1,070,000 | $267,500 | $5,300 | 3.15% |
| Brenham, TX (FHA|USDA|VA) | 3 | $1,025,000 | $341,667 | $6,605 | 3.58% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 5 | $1,005,000 | $201,000 | $4,656 | 3.68% |
| LUBBOCK, TX (FHA|USDA|VA) | 5 | $975,000 | $195,000 | $5,052 | 3.75% |
| LONGVIEW, TX (FHA|USDA|VA) | 3 | $945,000 | $315,000 | $11,589 | 3.12% |
| Fredericksburg, TX (FHA|USDA|VA) | 3 | $925,000 | $308,333 | $5,412 | 3.21% |
| Batesville, AR (FHA|USDA|VA) | 5 | $835,000 | $167,000 | $4,624 | 3.13% |
| Bay City, TX (FHA|USDA|VA) | 2 | $720,000 | $360,000 | $5,433 | 3.50% |
| Athens, TX (FHA|USDA|VA) | 2 | $670,000 | $335,000 | $6,043 | 2.62% |
| Huntsville, TX (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $7,950 | 3.25% |
| WICHITA FALLS, TX (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $12,119 | 2.99% |
| Atchison, KS (FHA|USDA|VA) | 5 | $515,000 | $103,000 | $4,396 | 3.45% |
| Rockport, TX (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $5,549 | 3.43% |
| HOT SPRINGS, AR (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $3,360 | 3.06% |
| Warrensburg, MO (FHA|USDA|VA) | 3 | $405,000 | $135,000 | $3,049 | 3.33% |
| AMARILLO, TX (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $3,806 | 2.63% |
| Beeville, TX (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $5,071 | 2.88% |
| Stillwater, OK (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $10,912 | 4.00% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $5,097 | 3.63% |
| Granbury, TX (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $6,526 | 3.38% |
| PINE BLUFF, AR (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $7,691 | 2.94% |
| Vernon, TX (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $4,371 | 4.00% |
| Port Lavaca, TX (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $6,673 | 3.13% |
| Russellville, AR (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $2,900 | 3.13% |
| MIDLAND, TX (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $6,289 | 2.99% |
| ST. JOSEPH, MO-KS (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $6,883 | 3.63% |
| Hays, KS (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $9,969 | 4.13% |
| Paragould, AR (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $7,146 | 3.13% |
| Coffeyville, KS (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $4,296 | 2.75% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $5,819 | 3.25% |
| El Campo, TX (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $3,657 | 3.38% |
| Kingsville, TX (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $5,448 | 2.99% |
| Sulphur Springs, TX (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $5,016 | 3.63% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $7,738 | 2.75% |
| VICTORIA, TX (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $6,645 | 2.75% |
| Maryville, MO (FHA|USDA|VA) | 2 | $180,000 | $90,000 | $2,566 | 4.38% |
| MONROE, LA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $4,193 | 3.25% |
| Pearsall, TX (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $13,818 | 3.63% |
| Winfield, KS (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,301 | 2.50% |
| Sweetwater, TX (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $5,951 | 3.38% |
| JONESBORO, AR (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $3,237 | 3.13% |
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Product Mix
For 2021, Sente Mortgage's most frequently originated type of loan was Conventional, with 1,595 originations. Their 2nd most popular type was FHA, with 335 originations.
Loan Reason
For 2021, Sente Mortgage's most frequently cited loan purpose was Home Purchase, with 1,465 originations. The 2nd most popular reason was Refi, with 484 originations.
Loan Duration/Length
For 2021, Sente Mortgage's most frequently cited loan duration was 30 Year, with 1,932 originations. The 2nd most popular length was 15 Year, with 192 originations.
Origination Fees/Closing Costs
Sente Mortgage's average total fees were $6,669, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 1,114 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3-4% | 1,289 | $355,865,000 | $276,078 |
| 2.5-3% | 681 | $190,355,000 | $279,523 |
| <2.5% | 128 | $34,840,000 | $272,188 |
| 4-5% | 87 | $17,085,000 | $196,379 |
During 2021, Sente Mortgage's average interest rate for loans was 3.28%, while their most frequently originated rate bucket for loans was 3-4%, with 1,289 originations.
Loan Sizing
2021 saw Sente Mortgage place emphasis on $200k-400k loans with 1,032 originations, totaling $288,760,000 in origination value.
Applicant Income
Sente Mortgage lent most frequently to those with incomes in the $50k-75k range, with 493 originations. The second most popular income band? $100k-150k, with 475 originations.
Applicant Debt to Income Ratio
Sente Mortgage lent most frequently to those with DTI ratios of 20-30%, with 469 originations. The next most common DTI ratio? 30-36%, with 399 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications99.00%
Sente Mortgage has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination45.95%
Sente Mortgage has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 2,185 | $598,145,000 | $273,751 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2021 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| SENTE MORTGAGE | Conventional home mortgage | Trouble during payment process | 1 | 100.0% |