Sente Mortgage
We analyzed every closed loan from Sente Mortgage — 875 loans across 1k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Mediocre
1/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · Jumbo · USDA
Place
Strong
4/5
Multi-Region · 8 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
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 performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+53.0 bps above market avg
1/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
419 loans · 0.47% above market
Sound
Top 60% of lenders
3/5
FHA
294 loans · 0.77% above market
Strong
Top 40% of lenders
4/5
VA
126 loans · 0.04% below market
Strong
Top 40% of lenders
4/5
Jumbo
13 loans · 0.18% above market
Strong
Top 40% of lenders
4/5
USDA
23 loans · 0.70% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
736 loans · 0.55% above market
Strong
Top 40% of lenders
4/5
Refinance
139 loans · 0.41% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 9 markets
Strong
Top 40% of lenders
4/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 419 | 47.9% | +0.468%Above | $4,489Fees | ||||
FHA Loans | 294 | 33.6% | +0.772%Above | $4,167Fees | ||||
VA Loans | 126 | 14.4% | -0.038%Below | $4,573Fees | ||||
Jumbo Loans | — | 13 | 1.5% | +0.184%Above | $3,159Fees | |||
USDA Loans | — | 23 | 2.6% | +0.705%Above | $2,872Fees |
Conventional
OverallSound
ProductSound
PricingMediocre
Pull ThroughSound
Volume419
Mix47.9%
Spread
+0.468%Above
Fees
$4,489Fees
FHA Loans
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume294
Mix33.6%
Spread
+0.772%Above
Fees
$4,167Fees
VA Loans
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume126
Mix14.4%
Spread
-0.038%Below
Fees
$4,573Fees
Jumbo Loans
OverallSound
ProductStrong
Pricing—
Pull ThroughSound
Volume13
Mix1.5%
Spread
+0.184%Above
Fees
$3,159Fees
USDA Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughSound
Volume23
Mix2.6%
Spread
+0.705%Above
Fees
$2,872Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 736 | 84.1% | +0.553%Above | $4,196Fees | ||||
Refinance | 139 | 15.9% | +0.409%Above | $5,081Fees |
Purchase
OverallSound
ProductStrong
PricingMediocre
Pull ThroughSound
Volume736
Mix84.1%
Spread
+0.553%Above
Fees
$4,196Fees
Refinance
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume139
Mix15.9%
Spread
+0.409%Above
Fees
$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
8
markets with activity
States Served
13
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
13Full-year 2024 · HMDALoans originated
< 5050–200200+None
Midwest4
ILINKSOH
South9
ALARGALANCOKSCTNTX
Top Metro Areas by Place Specialization Score
Top States by Place Specialization Score
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 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 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
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.