---
canonical_url: https://lendb.ai/lo/sarah-carter-2485958
json_url: https://lendb.ai/lo/sarah-carter-2485958.json
nmls_id: 2485958
last_verified: 2026-10-15
---

# Sarah Racanelli Carter

Mortgage Banker at Sente Mortgage, Inc., Austin, TX. NMLS ID 2485958 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2485958)).

**Summary:** Sarah Racanelli Carter (NMLS 2485958) is Mortgage Banker at Sente Mortgage, Inc., based in Austin, TX. Licensed in Texas, confirmed with the state regulator. Focus areas shown on the lender page: Self-employed, Down payment assistance, First-time buyer and Real estate investor. Earliest state license record: December 20, 2023 (Texas), per state regulator. Last verified 2026-10-15.

## At a glance

- Earliest state license record: December 20, 2023 (Texas), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- 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)

- **Self-employed** (`self-employed`): from their lender profile page, confidence 0.60, verified 2026-10-15. Source: https://www.sentemortgage.com/mortgage-banker/sarah-carter/
- **Down payment assistance** (`down-payment-assistance`): from their lender profile page, confidence 0.50, verified 2026-10-15. Source: https://www.sentemortgage.com/mortgage-banker/sarah-carter/
- **First-time buyer** (`first-time-buyer`): from their lender profile page, confidence 0.50, verified 2026-10-15. Source: https://www.sentemortgage.com/mortgage-banker/sarah-carter/
- **Real estate investor** (`investor`): from their lender profile page, confidence 0.50, verified 2026-10-15. Source: https://www.sentemortgage.com/mortgage-banker/sarah-carter/

## Facts from the lender page and intro

- role: Former CPA consultant for individuals and small businesses (BDO, Maxwell Locke & Ritter, Catalyst Family Office). Source: https://www.sentemortgage.com/mortgage-banker/sarah-carter/, verified 2026-10-15.
- credential: Texas-licensed CPA. Source: https://www.sentemortgage.com/mortgage-banker/sarah-carter/, verified 2026-10-15.
- education: Master's in Accounting. Source: https://www.sentemortgage.com/mortgage-banker/sarah-carter/, verified 2026-10-15.
- community: Treasurer on the Board of Directors for Blue Lapis Light (nonprofit aerial dance company) since 2016. Source: https://www.sentemortgage.com/mortgage-banker/sarah-carter/, verified 2026-10-15.
- community: Monthly volunteer at Caritas of Austin. Source: https://www.sentemortgage.com/mortgage-banker/sarah-carter/, verified 2026-10-15.
- service_area: Travis, Williamson, Hays counties and surrounding counties. Source: https://www.sentemortgage.com/mortgage-banker/sarah-carter/, verified 2026-10-15.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| TX | state_license | n/a | active | confirmed | 2023-12-20 | state_regulator | 2026-10-13 |

## Employment history

- ? to present: Sente Mortgage, Inc. (NMLS 132111), Austin, TX. Source: https://www.sentemortgage.com/mortgage-banker/sarah-carter/, 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/2485958

## Contact

- linkedin_url: https://www.linkedin.com/in/sarahracanelli/ (source: lender_site, verified 2026-10-15)
- View profile at Sente Mortgage, Inc.: https://www.sentemortgage.com/mortgage-banker/sarah-carter/
- Office phone and Email on file: shown at https://lendb.ai/lo/sarah-carter-2485958#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2485958
- state_regulator: https://www.sml.texas.gov/
- state_regulator: https://www.sentemortgage.com/mortgage-banker/sarah-carter/
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

Cite as: Sarah Racanelli Carter (NMLS 2485958), Sente Mortgage, Inc.. LenDb.ai, https://lendb.ai/lo/sarah-carter-2485958, last verified 2026-10-15.

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