Applications / Mortgage Analytics / Lenders / Texas / Sente Mortgage
Austin, TX · Independent non-bank lender · CFPB · 896 loans in 2025
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896
loans originated, 2025
1,572
applications, 2025
13
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Sente Mortgage, an Austin lender, has turned toward government-backed loans, which made up about half its 2025 lending against about a quarter five years before.
Conventional loans fell from 74.0% of its lending to 49.2% over five years. Loans insured by the Federal Housing Administration (FHA) rose from 14.1% to 32.7%. Loans guaranteed by the Department of Veterans Affairs (VA) made up 16.7%, a higher share than at about nine in ten similar lenders, independent non-banks making between half and twice as many loans.
Manufactured homes made up 5.6% of its loans, a higher share than at nearly all similar lenders, where it was 0.6%. Home purchases made up 77.6%. It turned down 1.4% of home-purchase applications, lower than at about four in five similar lenders.
Texas is its main state, and it has lent in Houston and San Antonio since 2009. One of its largest markets is Charleston-North Charleston, entered only in 2023, where it ranked 51 of 617 lenders. In 2025 it entered Augusta, Greenville and non-metro North Carolina.
It made 896 loans in 2025, 8% fewer than in 2024, while similar lenders made 2% fewer. In 2020 it made 2,381. Refinances, now 22.4% of its loans, may have made up much more of its lending that year.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Sente Mortgage took 1,572 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 77.6% · Refinance 22.4%
Conventional 49.2% · FHA 32.7% · VA 16.7% · USDA (RHS or FSA) 1.3% · of 896 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Texas | 298 | 33.3% |
| South Carolina | 207 | 23.1% |
| Arkansas | 177 | 19.8% |
| Georgia | 101 | 11.3% |
| Oklahoma | 64 | 7.1% |
| North Carolina | 12 | 1.3% |
| Alabama | 7 | 0.8% |
| Indiana | 7 | 0.8% |
| Louisiana | 7 | 0.8% |
| Tennessee | 6 | 0.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Charleston-North Charleston | 173 |
| Little Rock-North Little Rock-Conway | 130 |
| San Antonio-New Braunfels | 117 |
| Houston-Pasadena-The Woodlands | 100 |
| Austin-Round Rock-San Marcos | 39 |
| Atlanta-Sandy Springs-Roswell | 16 |
| Killeen-Temple | 13 |
| Tulsa | 11 |
| Oklahoma City | 8 |
| Columbia | 7 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300LP3GMTWS4OB353 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 4185473 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7260402100 |
Established 19 June 2007. Reported under HMDA 2009-2025.
Mergers, name changes, data editions and corrections: Sente Mortgage's data.
Sente Mortgage's data
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Sente Mortgage and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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