{ "canonical_url": "https://lendb.ai/lender/sente-mortgage-inc-132111", "summary": "Sente Mortgage, Inc. (company NMLS 132111) is an independent mortgage lender. LenDb lists 39 of its loan officers, with branches in 4 states, each with an individual NMLS ID, licensed states and sources.", "lender": { "nmls_id": 132111, "slug": "sente-mortgage-inc-132111", "canonical_url": "https://lendb.ai/lender/sente-mortgage-inc-132111", "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/132111", "name": { "value": "Sente Mortgage, Inc.", "source": "state_regulator", "source_url": "https://www.sentemortgage.com/", "verified_at": "2026-10-13" }, "dba_names": [], "type": "imb", "website": { "value": "https://www.sentemortgage.com/", "source": "state_regulator", "source_url": "https://www.sentemortgage.com/", "verified_at": "2026-10-13" }, "lo_directory_url": "https://www.sentemortgage.com/locations/", "hq_state": null, "loan_programs": { "value": [], "source": "state_regulator", "source_url": "https://www.sentemortgage.com/", "verified_at": "2026-10-13" }, "program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08", "source_url": "https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot" } ], "activity": { "source": "HMDA", "source_name": "HMDA, FFIEC/CFPB", "source_url": "https://ffiec.cfpb.gov/data-publication/snapshot-national-loan-level-dataset/2025", "as_of_year": 2025, "scope": "Home loans the lender funded and reported under HMDA: closed-end mortgages on 1 to 4 unit homes (no home equity lines or reverse mortgages)", "third_party_share": 0, "includes_brokered": false, "years": [ { "year": 2025, "loans": 896, "by_loan_type": { "conventional": 441, "fha": 293, "va": 150, "usda": 12 }, "purchase": 695, "refinance": 201, "other_purpose": 0, "jumbo": 21, "investor": 23, "volume_usd": 293010000 }, { "year": 2024, "loans": 971, "by_loan_type": { "conventional": 505, "fha": 314, "va": 129, "usda": 23 }, "purchase": 822, "refinance": 148, "other_purpose": 1, "jumbo": 14, "investor": 49, "volume_usd": 294025000 } ], "top_states": [ { "state": "TX", "loans": 298 }, { "state": "SC", "loans": 207 }, { "state": "AR", "loans": 177 }, { "state": "GA", "loans": 101 }, { "state": "OK", "loans": 64 } ], "note": "Counts describe the company, not any one loan officer. Only lenders above the HMDA reporting thresholds file, and LenDb has matched about 70% of HMDA loan volume to lenders it lists, so a lender without HMDA data here may still make these loans." }, "loan_officer_count": 39, "disciplinary_check": "not_checked", "disciplinary_actions": [], "last_verified_at": "2026-10-13" }, "loan_officers": [ { "nmls_id": 1244083, "slug": "samantha-brown-1244083", "full_name": "Samantha Brown", "title": "Mortgage Banker", "branch_city": "Cabot", "branch_state": "AR", "canonical_url": "https://lendb.ai/lo/samantha-brown-1244083" }, { "nmls_id": 299154, "slug": "shelly-powell-299154", "full_name": "Shelly Powell", "title": "Mortgage Banker", "branch_city": "Cabot", "branch_state": "AR", "canonical_url": "https://lendb.ai/lo/shelly-powell-299154" }, { "nmls_id": 700033, "slug": "stefanie-lyles-700033", "full_name": "Stefanie Lyles", "title": "Branch Manager | Mortgage Banker", "branch_city": "Cabot", "branch_state": "AR", "canonical_url": "https://lendb.ai/lo/stefanie-lyles-700033" }, { "nmls_id": 85797, "slug": "brian-messer-85797", "full_name": "Brian Messer", "title": "Branch Manager | Mortgage Banker", "branch_city": "Peachtree City", "branch_state": "GA", "canonical_url": "https://lendb.ai/lo/brian-messer-85797" }, { "nmls_id": 202092, "slug": "clay-christy-202092", "full_name": "Clay Christy", "title": "Branch Manager | Mortgage Banker", "branch_city": "Dahlonega", "branch_state": "GA", "canonical_url": "https://lendb.ai/lo/clay-christy-202092" }, { "nmls_id": 2261982, "slug": "josh-sims-2261982", "full_name": "Josh Sims", "title": "Mortgage Banker", "branch_city": "Peachtree City", "branch_state": "GA", "canonical_url": "https://lendb.ai/lo/josh-sims-2261982" }, { "nmls_id": 380824, "slug": "justin-messer-380824", "full_name": "Justin Messer", "title": "Mortgage Banker", "branch_city": "Peachtree City", "branch_state": "GA", "canonical_url": "https://lendb.ai/lo/justin-messer-380824" }, { "nmls_id": 2535189, "slug": "mark-strickert-2535189", "full_name": "Mark Strickert", "title": "Mortgage Banker", "branch_city": "Peachtree City", "branch_state": "GA", "canonical_url": "https://lendb.ai/lo/mark-strickert-2535189" }, { "nmls_id": 2220061, "slug": "austin-wright-2220061", "full_name": "Austin Wright", "title": "Mortgage Banker", "branch_city": "Charleston", "branch_state": "SC", "canonical_url": "https://lendb.ai/lo/austin-wright-2220061" }, { "nmls_id": 2220034, "slug": "cole-hall-2220034", "full_name": "Cole Hall", "title": "Mortgage Banker", "branch_city": "Charleston", "branch_state": "SC", "canonical_url": "https://lendb.ai/lo/cole-hall-2220034" }, { "nmls_id": 245811, "slug": "eric-housley-245811", "full_name": "Eric Housley", "title": "Mortgage Banker", "branch_city": "Charleston", "branch_state": "SC", "canonical_url": "https://lendb.ai/lo/eric-housley-245811" }, { "nmls_id": 223754, "slug": "jarrett-hodson-223754", "full_name": "Jarrett Hodson", "title": "Branch Manager | Mortgage Banker", "branch_city": "Charleston", "branch_state": "SC", "canonical_url": "https://lendb.ai/lo/jarrett-hodson-223754" }, { "nmls_id": 249837, "slug": "jason-rosenthal-249837", "full_name": "Jason Rosenthal", "title": "Mortgage Banker", "branch_city": "Charleston", "branch_state": "SC", "canonical_url": "https://lendb.ai/lo/jason-rosenthal-249837" }, { "nmls_id": 50662, "slug": "mick-jewell-50662", "full_name": "Mick Jewell", "title": "Mortgage Banker", "branch_city": "Charleston", "branch_state": "SC", "canonical_url": "https://lendb.ai/lo/mick-jewell-50662" }, { "nmls_id": 244306, "slug": "travis-howard-244306", "full_name": "Travis Howard", "title": "Branch Operations Manager | Mortgage Banker", "branch_city": "Charleston", "branch_state": "SC", "canonical_url": "https://lendb.ai/lo/travis-howard-244306" }, { "nmls_id": 2735465, "slug": "andres-sanchez-2735465", "full_name": "AJ Sanchez", "title": "Mortgage Banker", "branch_city": "Houston", "branch_state": "TX", "canonical_url": "https://lendb.ai/lo/andres-sanchez-2735465" }, { "nmls_id": 2015015, "slug": "ana-martinez-2015015", "full_name": "Ana Martinez", "title": "Mortgage Banker", "branch_city": "Houston", "branch_state": "TX", "canonical_url": "https://lendb.ai/lo/ana-martinez-2015015" }, { "nmls_id": 232805, "slug": "christopher-garcia-232805", "full_name": "Chris Garcia", "title": "Mortgage Banker", "branch_city": "Houston", "branch_state": "TX", "canonical_url": "https://lendb.ai/lo/christopher-garcia-232805" }, { "nmls_id": 565728, "slug": "deborah-ratliff-565728", "full_name": "Debbie Ratliff", "title": "Mortgage Banker", "branch_city": "Houston", "branch_state": "TX", "canonical_url": "https://lendb.ai/lo/deborah-ratliff-565728" }, { "nmls_id": 217612, "slug": "debbie-riopelle-217612", "full_name": "Debbie Riopelle", "title": "Mortgage Banker", "branch_city": "Houston", "branch_state": "TX", "canonical_url": "https://lendb.ai/lo/debbie-riopelle-217612" }, { "nmls_id": 545532, "slug": "frank-rivas-545532", "full_name": "Frank Rivas Jr.", "title": "Mortgage Banker", "branch_city": "Houston", "branch_state": "TX", "canonical_url": "https://lendb.ai/lo/frank-rivas-545532" }, { "nmls_id": 217317, "slug": "james-racanelli-217317", "full_name": "James Racanelli", "title": "Branch Manager | Mortgage Banker", "branch_city": "New Braunfels", "branch_state": "TX", "canonical_url": "https://lendb.ai/lo/james-racanelli-217317" }, { "nmls_id": 494648, "slug": "jennifer-lack-494648", "full_name": "Jenny Lack", "title": "Mortgage Banker", "branch_city": "Killeen", "branch_state": "TX", "canonical_url": "https://lendb.ai/lo/jennifer-lack-494648" }, { "nmls_id": 255899, "slug": "jenny-nip-255899", "full_name": "Jenny Nip", "title": "Mortgage Banker", "branch_city": "Houston", "branch_state": "TX", "canonical_url": "https://lendb.ai/lo/jenny-nip-255899" }, { "nmls_id": 653071, "slug": "jerry-lopez-653071", "full_name": "Jerry Lopez", "title": "Mortgage Banker", "branch_city": "Houston", "branch_state": "TX", "canonical_url": "https://lendb.ai/lo/jerry-lopez-653071" }, { "nmls_id": 2624028, "slug": "jessica-elizondo-2624028", "full_name": "Jessica \"JK\" Elizondo", "title": "Mortgage Banker", "branch_city": "New Braunfels", "branch_state": "TX", "canonical_url": "https://lendb.ai/lo/jessica-elizondo-2624028" }, { "nmls_id": 255956, "slug": "john-hathcote-255956", "full_name": "John Hathcote", "title": "Branch Manager | Mortgage Banker", "branch_city": "Houston", "branch_state": "TX", "canonical_url": "https://lendb.ai/lo/john-hathcote-255956" }, { "nmls_id": 209674, "slug": "kristin-carroll-209674", "full_name": "Kristin Carroll", "title": "Mortgage Banker", "branch_city": "Austin", "branch_state": "TX", "canonical_url": "https://lendb.ai/lo/kristin-carroll-209674" }, { "nmls_id": 2540468, "slug": "lucas-arcizo-2540468", "full_name": "Lucas Arcizo", "title": "Mortgage Banker", "branch_city": "Houston", "branch_state": "TX", "canonical_url": "https://lendb.ai/lo/lucas-arcizo-2540468" }, { "nmls_id": 255469, "slug": "milton-birdwell-255469", "full_name": "Milton Birdwell", "title": "Branch Manager | Mortgage Banker", "branch_city": "Houston", "branch_state": "TX", "canonical_url": "https://lendb.ai/lo/milton-birdwell-255469" }, { "nmls_id": 2485958, "slug": "sarah-carter-2485958", "full_name": "Sarah Racanelli Carter", "title": "Mortgage Banker", "branch_city": "Austin", "branch_state": "TX", "canonical_url": "https://lendb.ai/lo/sarah-carter-2485958" }, { "nmls_id": 568139, "slug": "scott-williams-568139", "full_name": "Scott Williams", "title": "Mortgage Banker", "branch_city": "Austin", "branch_state": "TX", "canonical_url": "https://lendb.ai/lo/scott-williams-568139" }, { "nmls_id": 294958, "slug": "eric-zanotelli-294958", "full_name": "Eric Zanotelli", "title": "Branch Manager | Mortgage Banker", "branch_city": null, "branch_state": null, "canonical_url": "https://lendb.ai/lo/eric-zanotelli-294958" }, { "nmls_id": 517149, "slug": "jennifer-lourence-517149", "full_name": "Jennifer Lourence", "title": null, "branch_city": null, "branch_state": null, "canonical_url": "https://lendb.ai/lo/jennifer-lourence-517149" }, { "nmls_id": 2035102, "slug": "jennifer-rodriguez-2035102", "full_name": "Jennifer Rodriguez", "title": "Sales Manager | Mortgage Banker", "branch_city": null, "branch_state": null, "canonical_url": "https://lendb.ai/lo/jennifer-rodriguez-2035102" }, { "nmls_id": 211973, "slug": "karen-elliott-211973", "full_name": "Karen Elliott", "title": "Regional Manager | Mortgage Banker", "branch_city": null, "branch_state": null, "canonical_url": "https://lendb.ai/lo/karen-elliott-211973" }, { "nmls_id": 1120358, "slug": "laura-comstock-1120358", "full_name": "Laura Comstock", "title": null, "branch_city": null, "branch_state": null, "canonical_url": "https://lendb.ai/lo/laura-comstock-1120358" }, { "nmls_id": 2775133, "slug": "robert-humes-2775133", "full_name": "Robert Humes", "title": null, "branch_city": null, "branch_state": null, "canonical_url": "https://lendb.ai/lo/robert-humes-2775133" }, { "nmls_id": 375532, "slug": "sandra-koons-375532", "full_name": "Sandra Koons", "title": null, "branch_city": null, "branch_state": null, "canonical_url": "https://lendb.ai/lo/sandra-koons-375532" } ] }