Sente Mortgage, Inc. Mortgage Lending & HMDA Data, 2025
In 2025, Sente Mortgage, Inc. of Austin, TX reported 1,572 mortgage applications totaling $490.9 million, up 17% from 2024. The average application was for $312,258, and applicants reported an average income of $141,173. 57% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Charleston-North Charleston, SC (358), Houston-The Woodlands-Sugar Land, TX (163) and San Antonio-New Braunfels, TX (161) (applications in parentheses).
| Mortgage Company & Address | Sente Mortgage, Inc. 4520 Burnet Road Austin, TX 78756 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 |
| Total Number of Mortgage Applications | 1,572 |
| Total Mortgage Loan Application Amount | $490,870,000 |
| Average Mortgage Loan Application Amount | $312,258 |
| Highest Mortgage Loan Application Amount | $4,405,000 |
| Average Applicant Income | $141,173 |
| Highest Applicant Income | $6,000,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Sente Mortgage, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Outside any metro area | 359 | $ 82,335,000 | $ 229,345 | $ 99,311 |
| Charleston-North Charleston, SC | 358 | $ 131,660,000 | $ 367,765 | $ 143,000 |
| Houston-The Woodlands-Sugar Land, TX | 163 | $ 74,595,000 | $ 457,638 | $ 237,000 |
| San Antonio-New Braunfels, TX | 161 | $ 56,095,000 | $ 348,416 | $ 204,000 |
| Little Rock-North Little Rock-Conway, AR | 157 | $ 39,865,000 | $ 253,917 | $ 111,000 |
| Austin-Round Rock, TX | 50 | $ 24,810,000 | $ 496,200 | $ 223,000 |
| Atlanta-Sandy Springs-Roswell, GA | 26 | $ 7,450,000 | $ 286,538 | $ 92,000 |
| Killeen-Temple, TX | 18 | $ 4,260,000 | $ 236,666 | $ 105,000 |
| Tulsa, OK | 18 | $ 3,450,000 | $ 191,666 | $ 83,000 |
| Oklahoma City, OK | 15 | $ 3,485,000 | $ 232,333 | $ 87,000 |
| Columbia, SC | 11 | $ 2,545,000 | $ 231,363 | $ 104,000 |
| Shreveport-Bossier City, LA | 11 | $ 5,175,000 | $ 470,454 | $ 189,000 |
| Charlotte-Concord-Gastonia, NC-SC | 10 | $ 2,220,000 | $ 222,000 | $ 120,600 |
| Augusta-Richmond County, GA-SC | 9 | $ 2,795,000 | $ 310,555 | $ 113,333 |
| Gainesville, GA | 9 | $ 3,625,000 | $ 402,777 | $ 125,000 |
| Greensboro-High Point, NC | 8 | $ 1,690,000 | $ 211,250 | $ 56,000 |
| Savannah, GA | 8 | $ 2,840,000 | $ 355,000 | $ 118,000 |
| Birmingham-Hoover, AL | 7 | $ 1,535,000 | $ 219,285 | $ 78,000 |
| Corpus Christi, TX | 7 | $ 2,495,000 | $ 356,428 | $ 257,000 |
| Greenville-Anderson-Mauldin, SC | 6 | $ 1,380,000 | $ 230,000 | $ 113,000 |
| Montgomery, AL | 6 | $ 960,000 | $ 160,000 | $ 38,000 |
| Sumter, SC | 6 | $ 930,000 | $ 155,000 | $ 65,000 |
| Akron, OH | 5 | $ 955,000 | $ 191,000 | $ 73,000 |
| Albany, GA | 5 | $ 795,000 | $ 159,000 | $ 70,000 |
| Columbus, OH | 5 | $ 1,365,000 | $ 273,000 | $ 86,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 5 | $ 1,365,000 | $ 273,000 | $ 83,000 |
| Indianapolis-Carmel-Anderson, IN | 5 | $ 785,000 | $ 157,000 | $ 70,000 |
| Mobile, AL | 5 | $ 665,000 | $ 133,000 | $ 321,000 |
| Cleveland, OH | 4 | $ 660,000 | $ 165,000 | $ 91,000 |
| Dallas-Plano-Irving, TX | 4 | $ 1,680,000 | $ 420,000 | $ 171,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 4 | $ 1,280,000 | $ 320,000 | $ 142,000 |
| Knoxville, TN | 4 | $ 940,000 | $ 235,000 | $ 69,000 |
| Lake County-Porter County-Jasper County, IN | 4 | $ 910,000 | $ 227,500 | $ 79,000 |
| Memphis, TN-MS-AR | 4 | $ 840,000 | $ 210,000 | $ 57,000 |
| Athens-Clarke County, GA | 3 | $ 705,000 | $ 235,000 | $ 77,000 |
| Cincinnati, OH-KY-IN | 3 | $ 575,000 | $ 191,666 | $ 121,000 |
| Florence, SC | 3 | $ 505,000 | $ 168,333 | $ 44,000 |
| Fort Worth-Arlington, TX | 3 | $ 815,000 | $ 271,666 | $ 120,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 3 | $ 715,000 | $ 238,333 | $ 137,000 |
| Raleigh, NC | 3 | $ 1,065,000 | $ 355,000 | $ 126,000 |
| Slidell-Mandeville-Covington, LA | 3 | $ 805,000 | $ 268,333 | $ 79,000 |
| Spartanburg, SC | 3 | $ 965,000 | $ 321,666 | $ 138,000 |
| Wilmington, NC | 3 | $ 765,000 | $ 255,000 | $ 125,000 |
| Brownsville-Harlingen, TX | 2 | $ 530,000 | $ 265,000 | $ 117,000 |
| Canton-Massillon, OH | 2 | $ 130,000 | $ 65,000 | $ 857,000 |
| Chattanooga, TN-GA | 2 | $ 270,000 | $ 135,000 | $ 66,000 |
| Daphne-Fairhope-Foley, AL | 2 | $ 600,000 | $ 300,000 | $ 161,000 |
| Dothan, AL | 2 | $ 270,000 | $ 135,000 | $ 54,000 |
| Durham-Chapel Hill, NC | 2 | $ 1,040,000 | $ 520,000 | $ 261,000 |
| Fayetteville, NC | 2 | $ 520,000 | $ 260,000 | $ 119,000 |
| Hot Springs, AR | 2 | $ 970,000 | $ 485,000 | $ 144,000 |
| Houma-Thibodaux, LA | 2 | $ 740,000 | $ 370,000 | $ 72,000 |
| Huntsville, AL | 2 | $ 160,000 | $ 80,000 | $ 49,000 |
| Kingsport-Bristol-Bristol, TN-VA | 2 | $ 300,000 | $ 150,000 | $ 39,000 |
| Monroe, LA | 2 | $ 130,000 | $ 65,000 | $ 26,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 2 | $ 1,250,000 | $ 625,000 | $ 41,000 |
| New Orleans-Metairie, LA | 2 | $ 640,000 | $ 320,000 | $ 181,000 |
| Texarkana, TX-AR | 2 | $ 270,000 | $ 135,000 | $ 43,000 |
| Topeka, KS | 2 | $ 330,000 | $ 165,000 | $ 52,000 |
| Tuscaloosa, AL | 2 | $ 370,000 | $ 185,000 | $ 24,000 |
| Anniston-Oxford-Jacksonville, AL | 1 | $ 75,000 | $ 75,000 | $ 57,000 |
| Baton Rouge, LA | 1 | $ 105,000 | $ 105,000 | $ 51,000 |
| Beaumont-Port Arthur, TX | 1 | $ 55,000 | $ 55,000 | $ 183,000 |
| Bowling Green, KY | 1 | $ 15,000 | $ 15,000 | $ 106,000 |
| Brunswick, GA | 1 | $ 325,000 | $ 325,000 | $ 110,000 |
| Chicago-Naperville, IL | 1 | $ 165,000 | $ 165,000 | $ 77,000 |
| Cleveland, TN | 1 | $ 805,000 | $ 805,000 | $ 12,000 |
| Dalton, GA | 1 | $ 155,000 | $ 155,000 | $ 50,000 |
| Decatur, AL | 1 | $ 345,000 | $ 345,000 | $ 104,000 |
| Decatur, IL | 1 | $ 45,000 | $ 45,000 | $ 61,000 |
| Elgin, IL | 1 | $ 535,000 | $ 535,000 | $ 344,000 |
| Enid, OK | 1 | $ 55,000 | $ 55,000 | $ 31,000 |
| Fort Smith, AR-OK | 1 | $ 75,000 | $ 75,000 | $ 89,000 |
| Goldsboro, NC | 1 | $ 105,000 | $ 105,000 | $ 49,000 |
| Greenville, NC | 1 | $ 195,000 | $ 195,000 | $ 55,000 |
| Hickory-Lenoir-Morganton, NC | 1 | $ 135,000 | $ 135,000 | $ 70,000 |
| Hinesville, GA | 1 | $ 165,000 | $ 165,000 | $ 59,000 |
| Huntington-Ashland, WV-KY-OH | 1 | $ 55,000 | $ 55,000 | $ 53,000 |
| Jonesboro, AR | 1 | $ 125,000 | $ 125,000 | $ 52,000 |
| Lexington-Fayette, KY | 1 | $ 325,000 | $ 325,000 | $ 137,000 |
| Louisville/Jefferson County, KY-IN | 1 | $ 435,000 | $ 435,000 | $ 0 |
| Macon-Bibb County, GA | 1 | $ 55,000 | $ 55,000 | $ 60,000 |
| Mansfield, OH | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Marietta, GA | 1 | $ 295,000 | $ 295,000 | $ 99,000 |
| Midland, TX | 1 | $ 605,000 | $ 605,000 | $ 237,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 445,000 | $ 445,000 | $ 103,000 |
| Peoria, IL | 1 | $ 305,000 | $ 305,000 | $ 65,000 |
| Rocky Mount, NC | 1 | $ 205,000 | $ 205,000 | $ 92,000 |
| Sebastian-Vero Beach, FL | 1 | $ 35,000 | $ 35,000 | $ 93,000 |
| Waco, TX | 1 | $ 65,000 | $ 65,000 | $ 38,000 |
| Warner Robins, GA | 1 | $ 185,000 | $ 185,000 | $ 62,000 |
| Weirton-Steubenville, WV-OH | 1 | $ 155,000 | $ 155,000 | $ 66,000 |
| Winston-Salem, NC | 1 | $ 145,000 | $ 145,000 | $ 53,000 |
| Youngstown-Warren-Boardman, OH-PA | 1 | $ 65,000 | $ 65,000 | $ 79,000 |
Mortgage Loan Application Detail Totals for Sente Mortgage, Inc. in 2025
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 1,045 | $330,885,000 | $316,000 | $2,215,000 | $141,000 | $4,304,000 |
| Cash-out Refinancing | 271 | $64,865,000 | $239,000 | $4,405,000 | $125,000 | $6,000,000 |
| Refinancing | 256 | $95,120,000 | $371,000 | $2,415,000 | $159,000 | $1,584,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 1,001 | $311,935,000 | $311,000 | $2,215,000 | $137,000 | $1,964,000 |
| Not Provided | 199 | $63,885,000 | $321,000 | $1,385,000 | $130,000 | $1,902,000 |
| Hispanic | 167 | $58,695,000 | $351,000 | $2,415,000 | $180,000 | $4,304,000 |
| Black or African American | 141 | $37,665,000 | $267,000 | $4,405,000 | $134,000 | $6,000,000 |
| American Indian or Alaskan Native | 31 | $6,445,000 | $207,000 | $1,025,000 | $125,000 | $562,000 |
| Asian | 30 | $10,900,000 | $363,000 | $1,075,000 | $155,000 | $517,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $1,345,000 | $448,000 | $745,000 | $171,000 | $362,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 794 | $269,260,000 | $339,000 | $4,405,000 | $181,000 | $6,000,000 |
| FHA-insured (Federal Housing Administration) | 538 | $134,700,000 | $250,000 | $645,000 | $92,000 | $624,000 |
| VA-guaranteed (Veterans Administration) | 219 | $82,385,000 | $376,000 | $1,575,000 | $122,000 | $424,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 21 | $4,525,000 | $215,000 | $385,000 | $78,000 | $116,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 896 | $293,010,000 | $327,000 | $2,215,000 | $144,000 | $1,902,000 |
| Application Withdrawn By Applicant | 645 | $190,675,000 | $295,000 | $4,405,000 | $139,000 | $6,000,000 |
| Application Denied By Financial Institution | 31 | $7,185,000 | $231,000 | $1,665,000 | $105,000 | $470,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 1,541 | $483,685,000 | $313,000 | $4,405,000 | $142,000 | $6,000,000 |
| Credit History | 23 | $4,845,000 | $210,000 | $1,665,000 | $97,000 | $470,000 |
| Debt-To-Income Ratio | 4 | $1,050,000 | $262,000 | $305,000 | $92,000 | $187,000 |
| Collateral | 4 | $1,290,000 | $322,000 | $435,000 | $167,000 | $280,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Sente Mortgage, Inc.'s 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Sente Mortgage, Inc.'s mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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