Sente Mortgage in Texas vs the state
1.4%Denial rate-18.06 pts vs state
2.0%Decision denial rate-22.93 pts vs state
68.0%Origination rate+13.16 pts vs state
6.63%Median rate+0.13 pts vs state
0.34Rate spread (pts)+0.14 pts vs state
$151kMedian applicant income
298Loans originated
6Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 789 | 433 | 1.0% | 6.88% | #187 |
| 2024 | 469 | 318 | 0.9% | 6.87% | #260 |
| 2025 | 438 | 298 | 1.4% | 6.63% | #285 |
What Sente Mortgage lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Sente Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bexar County | 94 | 67 | 1 | 1.1% |
| Harris County | 90 | 58 | 0 | 0.0% |
| Comal County | 38 | 30 | 2 | 5.3% |
| Brazoria County | 31 | 16 | 0 | 0.0% |
| Travis County | 28 | 20 | 3 | 10.7% |
| Montgomery County | 17 | 11 | 0 | 0.0% |
| Guadalupe County | 15 | 11 | 0 | 0.0% |
| Williamson County | 14 | 11 | 0 | 0.0% |
| Galveston County | 10 | 5 | 0 | 0.0% |
| Fort Bend County | 10 | 7 | 0 | 0.0% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 438 applications in 2025, of which 298 were originated and 6 denied.
1.4% of all applications, or 2.0% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Sente Mortgage originated in Texas in 2025 was 6.63%, against a statewide median of 6.50%.
About this data. Figures are Sente Mortgage's own HMDA filing for properties located in Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology