Sente Mortgage

What Sente Mortgage does

Sente Mortgage Inc. is a privately held independent mortgage bank founded in 2007 and headquartered in Austin, Texas. The company originates and services residential mortgages across 21 U.S. states, with physical branch operations in Texas (Austin, Houston, New Braunfels, Killeen), Oklahoma (Stillwater), Arkansas (Cabot), Georgia (Dahlonega), and South Carolina (Charleston, via the Sweetgrass Capital Group partnership). Its product suite spans home purchase loans, mortgage refinance, a Digital HELOC (allowing access to up to $400,000 against home equity without an appraisal), VA loans, FHA loans, USDA Rural Development loans, conventional conforming and jumbo loans, and a commercial lending vertical. Loan servicing is performed in-house via an online borrower portal (yourmortgageonline.com). The company also operates a 'Sente Loan Rescue' service for borrowers denied or stuck at other lenders, and a financial learning platform delivered through the Everfi/SmarterMoneyMove ecosystem. Multi-language resources in Spanish, Chinese, Korean, Tagalog, and Vietnamese indicate a deliberate focus on diverse first-time buyer communities.

The technology stack centers on a digital mortgage platform supporting online applications, a digital HELOC workflow, an automated loan servicing portal, and consumer-facing mortgage calculators. The company has emphasized relationship-driven distribution, deploying dedicated mortgage bankers who guide borrowers through phone, online, and in-person channels, while leveraging referrals from real estate agents and past customers as a core acquisition lever. Marketing combines educational content, a multi-platform social presence, Google review amplification, and educational courses on homeownership and financial planning.

Sente generates revenue through three streams: (1) transaction fees on loan origination (purchase, refinance, HELOC, government-backed and conventional), (2) ongoing servicing fees on its retained loan portfolio, and (3) commercial lending fees. Pricing is not publicly disclosed and is customized to borrower qualification, loan type, property, and market conditions. Leadership is concentrated around Founder & CEO Tom Rhodes (20+ years in real estate and mortgage), supported by a VP of Strategic Growth and regional/branch managers. The company is privately held with no disclosed institutional or PE/VC ownership.

Name

Sente Mortgage

Legal name

Sente Mortgage Inc.

Website

https://www.sentemortgage.com

Company type

Private

Founded year

2007

Operating status

Operating

Headcount range

1–10 employees

Short description

Sente Mortgage is a privately held Texas-based mortgage bank originating and servicing home purchase, refinance, HELOC, VA, FHA, USDA, and commercial loans across 21 states via branch locations and digital channels, serving first-time buyers, veterans, and homeowners.

Ownership category

akta.pro rank

Product category

Residential Mortgage Lending

NAICS

Credit Intermediation and Related Activities (522)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Purchase Mortgage Origination (Homebuyer Focused) (FSALAAAD)

akta.pro secondary industries

Residential Mortgage Origination & Servicing (Retail) (FSABAAAD), Consumer Direct / Online Mortgage Origination (FSALAAAB), Cash-Out Refinance Origination (FSALAAAF)

Keywords

• Mortgage lending
• Home purchase loans
• Mortgage refinance
• Home equity lines
• VA home loans

Headquarters

HQ city

Austin

HQ country

United States

HQ region

North America

Offices8 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Mortgage Origination: Revenue generated from originating mortgage loans including purchase mortgages, refinances, VA loans, FHA loans, USDA loans, and conventional loans. Fees are collected at closing.
2. Loan Servicing: Ongoing servicing of existing loans including payment processing, escrow management, and borrower inquiries. Sente services loans it originates.
3. HELOC Products: Home Equity Line of Credit products providing access to home equity with competitive rates, generating origination and servicing revenue.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

Sente Mortgage originates and services residential mortgage loans for individual consumers, including home purchase loans, mortgage refinancing, Home Equity Lines of Credit (HELOCs), and government-backed VA, FHA, and USDA loans. The company operates an Austin, Texas-headquartered mortgage bank with multiple branch offices and a digital application/servicing platform, complemented by a commercial lending offering and a "Sente Loan Rescue" service for borrowers facing complex situations.

Product overview

Sente Mortgage is a mortgage bank offering a comprehensive suite of home financing products and services. Their core offerings include home purchase loans, mortgage refinance, and digital HELOC products. The company provides multiple loan types including Fixed Rate Mortgages, Adjustable Rate Mortgages, VA Loans, FHA Loans, USDA Loans, and Conventional Loans (both conforming and jumbo). Additional services include commercial lending, loan servicing, and Sente Loan Rescue for complex borrower situations. The company also offers financial tools including a mortgage calculator and a financial learning platform with educational courses covering homeownership, budgeting, credit management, and retirement planning.

Differentiator

Problem solved

Functional benefit

Products and services

• Home Purchase Loans Mortgage financing for purchasing new homes, supporting first-time buyers, experienced buyers, and real estate investors seeking to acquire residential property.
• Mortgage Refinance Refinancing solutions that allow homeowners to pay off an existing mortgage and replace it with a new loan, with the goal of lowering rates, changing loan terms, or accessing equity through cash-out refinance.
• Digital HELOC Home Equity Line of Credit that allows homeowners to access up to $400,000 of their home equity quickly without refinancing and without an appraisal.
• Fixed Rate Mortgage Home loan with a constant interest rate and monthly payment throughout the loan term, available in 15-year and 30-year options.
• Adjustable Rate Mortgage (ARM) Home loan with an interest rate that adjusts periodically after an initial fixed period (e.g., 7/1 ARM), typically offering lower initial rates than fixed-rate products.
• VA Loans Home loans guaranteed by the U.S. Department of Veterans Affairs for eligible veterans and surviving spouses, featuring no money down, competitive rates, no monthly mortgage insurance, and assistance with Certificate of Eligibility.
• FHA Loans Federal Housing Administration-insured loans offering lower down payment requirements (as low as 3.5%) and more lenient credit criteria, designed for first-time homebuyers.
• USDA Loans Rural housing loans backed by the U.S. Department of Agriculture offering 100% financing with lower mortgage insurance rates for properties in eligible rural areas, made available through Sente's approved lender designation in the USDA Rural Development Guaranteed Rural Housing program.
• Conventional Loans Non-government-insured loans offered by private lenders, available as conforming loans (meeting Fannie Mae/Freddie Mac guidelines) or jumbo loans (exceeding conforming loan limits).
• Commercial Lending Commercial real estate financing solutions for business purposes, offered through a dedicated commercial lending platform (sentemortgage.commloan.com).
• Loan Servicing Ongoing management of mortgage loans including processing payments, handling escrow accounts, responding to borrower inquiries, and managing loan transfers for loans Sente has originated.
• Sente Loan Rescue Specialized service assisting borrowers who have been denied loans or encountered difficulties with other lenders, targeting complex loan situations and stalled transactions, often via real estate agent referrals.

Quantifiable outcome

• Thousands of organic 5-star Google reviews with 5.02 rating from 2,633 reviews

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Three partnerships are on record, tiered minor and core.

• Homes For Our TroopsminorOthersSente Mortgage is a proud supporter of Homes for Our Troops, a nonprofit organization that builds mortgage-free, specially-adapted homes for severely injured Veterans Post-9/11. CEO Tom Rhodes has publicly expressed support for the organization's mission.
• USDA Rural DevelopmentcoreStrategic or Co-development PartnerSente Mortgage is designated as an approved lender in the USDA Rural Development Lender Program for Guaranteed Rural Housing (GRH) Loans, allowing them to offer 100% financing in eligible rural areas.
• Sweetgrass Capital GroupcoreChannel Partner/ Reseller/ DistributorPartnership with Sweetgrass Capital Group in South Carolina. Mortgage bankers under this partnership (Cole Hall, Jarrett Hodson, Travis Howard, Mick Jewell, Jason Rosenthal, Austin Wright, Eric Housley) operate under the Sweetgrass Capital brand while using Sente Mortgage for loan products and licensing.

Scale indicators4 records

Recent moves7 records

Expansion highlights3 records

Direct peers

• Rocket Mortgage: Largest direct-to-consumer online mortgage lender in the U.S., offering purchase, refinance, and HELOC products across all 50 states — directly competes with Sente in digital mortgage origination and has materially larger scale and brand recognition.
• Movement Mortgage: Retail mortgage bank with branch network concentrated in the Southeast and Midwest, focused on purchase originations and relationship-based lending — overlapping geographic and strategic positioning with Sente.
• Caliber Home Loans: Retail mortgage lender with broad product menu including conventional, government, and non-QM loans; comparable to Sente's full product suite and retail distribution model.
• NewRez (now part of Rocket): Retail and wholesale mortgage lender offering conforming, government, and non-QM products across the U.S.; competes with Sente on purchase and refinance originations, particularly in retail branches.
• loanDepot: Multi-channel mortgage lender (retail, wholesale, direct) offering purchase, refinance, and HELOC products nationwide; competes head-to-head with Sente on retail purchase originations and consumer-direct refinance.
• PrimeLending: Retail mortgage bank owned by PlainsCapital (Hilltop Holdings), with multi-state branch network offering purchase, refinance, and government loan products — closely comparable retail mortgage model.
• Guild Mortgage: Retail-focused mortgage bank with branch network across the U.S., strong in purchase originations and government loan programs (FHA/VA) — most analogous to Sente's retail branch model and product mix.
• Fairway Independent Mortgage: Retail mortgage banker operating through branch offices across the U.S. with strong referral-driven model similar to Sente's real estate agent channel; comparable size and GTM approach.

Emerging players

• Better.com: Digital-first mortgage lender focused on a streamlined online refinance and purchase experience; competes with Sente's digital application and HELOC channels while serving a more tech-native customer segment.

Broad incumbents

• UWM (United Wholesale Mortgage): Largest U.S. wholesale mortgage lender operating through a broker channel; competes for the same end-borrower demand that Sente captures via its retail and digital channels, and shapes industry-wide pricing dynamics.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/sentemortgage
• Facebookfacebook.com/sentemortgage
• LinkedInlinkedin.com/company/sente-mortgage
• Instagraminstagram.com/sentemortgage

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Sente Mortgage