---
canonical_url: https://lendb.ai/lo/frank-rivas-545532
json_url: https://lendb.ai/lo/frank-rivas-545532.json
nmls_id: 545532
last_verified: 2026-10-15
---

# Frank Rivas Jr.

Mortgage Banker at Sente Mortgage, Inc., Houston, TX. NMLS ID 545532 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/545532)).

**Summary:** Frank Rivas Jr. (NMLS 545532) is Mortgage Banker at Sente Mortgage, Inc., based in Houston, TX. Licensed in Texas, confirmed with the state regulator. Earliest state license record: May 7, 2024 (Texas), per state regulator. States 20 years of experience. Last verified 2026-10-15.

## At a glance

- Earliest state license record: May 7, 2024 (Texas), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Years experience (stated by the LO): 20 (source: https://www.sentemortgage.com/mortgage-banker/frankrivas/, verified 2026-10-15)
- Licensed in: Texas (TX, confirmed)
- Works at an FHA-approved lender, per HUD (HUD FHA data, loans endorsed through Aug 2026): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot
- License confidence: confirmed = state regulator roster; lender_reported = listed on the lender page only; federal_registration = inferred from a bank or credit union employer.
- Languages: not listed
- Profile: unclaimed
- Status: active

## Specialties

### Focus (officer level: their own bio, title, certification, specialty list or claim)

- None on file yet.

## About

Frank Rivas Jr. is a Mortgage Banker serving Houston, Dallas-Fort Worth and El Paso, with more than 20 years in financial services. They say they work with first-time homebuyers, self-employed borrowers and real estate investors. They also serve Spanish-speaking clients.

Source: LenDb summary of the lender page, verified 2026-10-15.

## Facts from the lender page and intro

- years_experience: 20. Source: https://www.sentemortgage.com/mortgage-banker/frankrivas/, verified 2026-10-15.
- service_area: Houston neighborhoods, Dallas-Fort Worth metroplex and El Paso. Source: https://www.sentemortgage.com/mortgage-banker/frankrivas/, verified 2026-10-15.
- community: Coaches softball for St. Thomas More Catholic School; serves as an Oktoberfest Chair. Source: https://www.sentemortgage.com/mortgage-banker/frankrivas/, verified 2026-10-15.
- other: Serves Spanish-speaking clients. Source: https://www.sentemortgage.com/mortgage-banker/frankrivas/, verified 2026-10-15.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| TX | state_license | n/a | active | confirmed | 2024-05-07 | state_regulator | 2026-10-13 |

## Employment history

- ? to present: Sente Mortgage, Inc. (NMLS 132111), Houston, TX. Source: https://www.sentemortgage.com/mortgage-banker/frankrivas/, verified 2026-10-15.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/545532

## Contact

- View profile at Sente Mortgage, Inc.: https://www.sentemortgage.com/mortgage-banker/frankrivas/
- Office phone and Email on file: shown at https://lendb.ai/lo/frank-rivas-545532#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/545532
- state_regulator: https://www.sml.texas.gov/
- state_regulator: https://www.sentemortgage.com/mortgage-banker/frankrivas/
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

Cite as: Frank Rivas Jr. (NMLS 545532), Sente Mortgage, Inc.. LenDb.ai, https://lendb.ai/lo/frank-rivas-545532, last verified 2026-10-15.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._