Purchase Originations
639
Ranked #540 nationally
Median Total Costs
$9,161
+37.1% vs national ($6,680)
↑ $0 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$4,045
Median Lender Credits
$122
Cost Rank (500+ vol.)
#513
among lenders with 500+ originations
Denial Rate
0.9%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 262 | 6.875% | $7,699 | $4,172 |
| fha | 244 | 6.500% | $11,705 | $4,128 |
| va | 121 | 6.625% | $8,724 | $2,472 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Texas | 199 | 6.625% | $8,958 | #208 |
| South Carolina | 163 | 6.490% | $12,033 | #90 |
| Arkansas | 141 | 6.625% | $7,339 | #53 |
| Georgia | 71 | 6.625% | $9,557 | #164 |
| Oklahoma | 46 | 6.688% | $8,968 | — |
| North Carolina | 6 | 7.062% | $10,675 | — |
| Alabama | 3 | 7.250% | $7,818 | — |
| Ohio | 3 | 6.625% | $13,810 | — |
| Illinois | 2 | 7.250% | $7,679 | — |
| Indiana | 2 | 6.812% | $7,639 | — |
| Tennessee | 2 | 6.938% | $9,973 | — |
| Louisiana | 1 | 7.000% | $16,297 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $6,836 | 6.625% | — | 21 | −$2,325 | |
| 2 | $7,284 | 6.495% | — | 14 | −$1,877 | |
| 3 | $7,308 | 6.750% | — | 19 | −$1,853 | |
| 4 | $7,381 | 6.750% | — | 71 | −$1,780 | |
| 5 | $7,771 | 6.625% | — | 18 | −$1,390 | |
| 6 | $7,831 | 6.875% | — | 11 | −$1,330 | |
| 7 | $8,267 | 6.750% | — | 7 | −$894 | |
| 8 | $8,386 | 6.438% | — | 6 | −$775 | |
| 9 | $8,652 | 6.562% | — | 58 | −$509 | |
| 10 | $8,896 | 6.625% | — | 23 | −$265 | |
| 11 | $8,956 | 6.625% | — | 29 | −$205 | |
| 12 | $9,234 | 6.562% | — | 8 | +$73 | |
| 13 | $9,287 | 6.562% | — | 10 | +$126 | |
| 14 | $9,424 | 6.875% | — | 36 | +$263 | |
| 15 | $10,607 | 6.558% | — | 4 | +$1,446 | |
| 16 | $10,859 | 6.750% | — | 11 | +$1,698 | |
| 17 | $10,967 | 6.875% | — | 5 | +$1,806 | |
| 18 | $11,087 | 6.438% | — | 32 | +$1,926 | |
| 19 | $11,961 | 6.500% | — | 57 | +$2,800 | |
| 20 | $12,147 | 6.250% | — | 49 | +$2,986 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Sente Mortgage, Inc. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $285,000 | $335,000 | −$50,000 (−14.9%) |
| Median total closing costs | $9,161 | $7,127 | +$2,034 (+28.5%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.