Siwell Mortgage Rates, Fees & Info
LUBBOCK, TXLEI: 549300QV3GEYMP1WSO93
Tax ID: 75-1791492
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Mortgage Data
Review & Overview
Siwell is a smaller mortgage company specializing in Home Purchase loans. Siwell has a high proportion of conventional loans. They also have a high ratio of USDA loans. They have an average proportion of FHA loans. Their top markets by origination volume include: Hilo, Urban Honolulu, Dallas, Lubbock, and Kapaa among others. We have data for 61 markets. (Some data included below & more in-depth data is available with an active subscription.)Siwell has an average approval rate when compared to the average across all lenders. Siwell is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 7.23% | 12/16/24 |
| 30 Year Conventional Refi | 6.68% | 12/16/24 |
| 30 Year Cash-out Refi | 6.87% | 12/16/24 |
| 30 Year FHA Purchase | 7.43% | 12/16/24 |
| 30 Year FHA Refi | 6.09% | 12/16/24 |
| 30 Year VA Purchase | 6.26% | 12/16/24 |
| 30 Year VA Refi | 6.09% | 12/16/24 |
| 30 Year USDA Purchase | 6.79% | 12/16/24 |
| 15 Year Conventional Refi | 5.81% | 12/16/24 |
| 15 Year Cash-out Refi | 5.81% | 12/16/24 |
| 15 Year FHA Refi | 6.76% | 12/16/24 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
299Origination Dollar Volume (All Markets)
$71,585,000Awards
SIWELL - 2018
SIWELL is a 2018 , due to their low .
For 2018, less than of lenders were eligible for this award.
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Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Hilo, HI (FHA|USDA|VA) | 110 | $29,930,000 | $272,091 | $7,594 | 4.75% |
| Outside of Metro Areas | 40 | $8,100,000 | $202,500 | $5,443 | 5.52% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 12 | $5,170,000 | $430,833 | $12,476 | 4.50% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 23 | $4,215,000 | $183,261 | $3,716 | 4.50% |
| LUBBOCK, TX (FHA|USDA|VA) | 18 | $2,390,000 | $132,778 | $3,661 | 5.03% |
| Kapaa, HI (FHA|USDA|VA) | 5 | $2,015,000 | $403,000 | $13,643 | 4.40% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 7 | $1,845,000 | $263,571 | $5,799 | 5.09% |
| KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) | 5 | $1,465,000 | $293,000 | $8,614 | 4.15% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 5 | $1,255,000 | $251,000 | $7,172 | 4.63% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 2 | $960,000 | $480,000 | $5,305 | 4.06% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 3 | $945,000 | $315,000 | $10,194 | 5.29% |
| HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) | 3 | $935,000 | $311,667 | $5,831 | 4.79% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 5 | $775,000 | $155,000 | $5,105 | 4.45% |
| CHARLESTON, WV (FHA|USDA|VA) | 5 | $685,000 | $137,000 | $4,018 | 4.73% |
| STOCKTON, CA (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $8,285 | 5.00% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 3 | $565,000 | $188,333 | $2,876 | 4.46% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $4,655 | 3.94% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $3,787 | 4.75% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $3,802 | 4.25% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $3,998 | 4.94% |
| Cañon City, CO (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $3,717 | 3.88% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $8,072 | 4.63% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $2,609 | 5.25% |
| COLUMBUS, OH (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $2,640 | 3.38% |
| BOISE CITY, ID (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $9,126 | 5.38% |
| MODESTO, CA (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $4,521 | 5.88% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $4,400 | 4.44% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $3,167 | 4.63% |
| GREELEY, CO (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $2,937 | 4.75% |
| ASHEVILLE, NC (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $13,687 | 4.25% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $5,570 | 4.13% |
| Granbury, TX (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $3,844 | 4.50% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $4,837 | 4.88% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,040 | 4.75% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $8,993 | 4.50% |
| Gillette, WY (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $7,138 | 3.25% |
| CHICO, CA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $6,785 | 3.75% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,436 | 3.88% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,796 | 3.75% |
| Albertville, AL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $5,408 | 4.75% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $1,904 | 5.75% |
| Ruidoso, NM (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $1,849 | 5.00% |
| Brenham, TX (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,559 | 5.63% |
| GAINESVILLE, GA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $6,058 | 4.88% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,286 | 3.88% |
| BECKLEY, WV (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,789 | 5.25% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $6,230 | 5.25% |
| OCALA, FL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $7,433 | 4.00% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $4,281 | 3.25% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $9,450 | 5.50% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,561 | 3.25% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $1,832 | 4.88% |
| Levelland, TX (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,964 | 4.50% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,174 | 5.50% |
| TUCSON, AZ (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,240 | 4.25% |
| MORGANTOWN, WV (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,551 | 5.38% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $5,120 | 4.38% |
| WICHITA FALLS, TX (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $2,786 | 5.25% |
| GRAND ISLAND, NE (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $2,768 | 4.50% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $1,489 | 4.50% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $3,721 | 5.88% |
Similar Lenders
We use machine learning to identify the top lenders compared against SIWELL based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
For 2018, Siwell's most frequently originated type of loan was Conventional, with 132 originations. Their 2nd most popular type was USDA, with 98 originations.
Loan Reason
For 2018, Siwell's most frequently cited loan purpose was Home Purchase, with 180 originations. The 2nd most popular reason was Cash Out Refi, with 68 originations.
Loan Duration/Length
For 2018, Siwell's most frequently cited loan duration was 30 Year, with 276 originations. The 2nd most popular length was 15 Year, with 13 originations.
Origination Fees/Closing Costs
Siwell's average total fees were $6,610, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 111 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 4-5% | 158 | $39,270,000 | $248,544 |
| 5-6% | 90 | $20,190,000 | $224,333 |
| 3-4% | 42 | $10,270,000 | $244,524 |
| 6-7% | 9 | $1,855,000 | $206,111 |
During 2018, Siwell's average interest rate for loans was 4.83%, while their most frequently originated rate bucket for loans was 4-5%, with 158 originations.
Loan Sizing
2018 saw Siwell place emphasis on $200k-400k loans with 143 originations, totaling $39,055,000 in origination value.
Applicant Income
Siwell lent most frequently to those with incomes in the $50k-75k range, with 98 originations. The second most popular income band? $75k-100k, with 69 originations.
Applicant Debt to Income Ratio
Siwell lent most frequently to those with DTI ratios of 49%, with 2 originations. The next most common DTI ratio? 20-30%, with 1 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications89.25%
Siwell has an average approval rate.
Pick Rate
Approvals leading to originationPoints and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 299 | $71,585,000 | $239,415 |