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, Cash Out Refi, and Refi loans. Siwell has a high proportion of conventional loans. They have an average proportion of FHA loans. Their top markets by origination volume include: Hilo, Dallas, Huntington, Lubbock, and Urban Honolulu among others. We have data for 75 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
203Origination Dollar Volume (All Markets)
$45,215,000Awards
SIWELL - 2019
SIWELL is a 2019 , due to their low .
For 2019, 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) | 39 | $11,015,000 | $282,436 | $7,753 | 4.76% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 21 | $5,095,000 | $242,619 | $4,500 | 4.40% |
| HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) | 13 | $2,115,000 | $162,692 | $3,949 | 4.21% |
| LUBBOCK, TX (FHA|USDA|VA) | 11 | $1,855,000 | $168,636 | $4,999 | 4.13% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 6 | $1,840,000 | $306,667 | $12,979 | 4.50% |
| Outside of Metro Areas | 9 | $1,565,000 | $173,889 | $4,280 | 4.28% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 4 | $1,380,000 | $345,000 | $5,476 | 3.88% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 4 | $1,250,000 | $312,500 | $6,732 | 3.53% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 3 | $945,000 | $315,000 | $6,760 | 4.79% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 4 | $870,000 | $217,500 | $3,799 | 4.53% |
| KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) | 2 | $770,000 | $385,000 | $5,998 | 4.94% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 2 | $720,000 | $360,000 | $12,149 | 4.50% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $4,746 | 4.25% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $3,028 | 3.69% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $4,452 | 3.50% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 4 | $550,000 | $137,500 | $4,692 | 4.03% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $6,432 | 3.31% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $7,019 | 3.44% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $4,554 | 4.19% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 3 | $475,000 | $158,333 | $2,163 | 4.04% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $5,623 | 4.50% |
| COLUMBIA, SC (FHA|USDA|VA) | 3 | $445,000 | $148,333 | $2,858 | 4.63% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $2,197 | 3.75% |
| Clarksburg, WV (FHA|USDA|VA) | 3 | $395,000 | $131,667 | $4,748 | 3.79% |
| FRESNO, CA (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $3,435 | 3.94% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $4,269 | 4.00% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $3,902 | 3.50% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 3 | $345,000 | $115,000 | $3,296 | 4.00% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $3,089 | 3.56% |
| ODESSA, TX (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $8,661 | 3.63% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $3,120 | 4.38% |
| Zanesville, OH (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $2,802 | 4.25% |
| BATON ROUGE, LA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $3,035 | 4.50% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $4,161 | 3.63% |
| RACINE, WI (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $1,968 | 3.75% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $6,209 | 3.75% |
| REDDING, CA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,440 | 3.88% |
| CHARLESTON, WV (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $4,718 | 4.63% |
| PANAMA CITY, FL (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,548 | 6.00% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $2,323 | 3.75% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $6,378 | 2.88% |
| ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $5,551 | 3.88% |
| PITTSFIELD, MA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $4,211 | 3.75% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,122 | 3.88% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $6,740 | 3.25% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $5,602 | 3.50% |
| Corsicana, TX (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,946 | 4.25% |
| TOLEDO, OH (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,345 | 5.75% |
| APPLETON, WI (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $5,753 | 3.25% |
| Payson, AZ (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $1,623 | 4.25% |
| JONESBORO, AR (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,402 | 3.63% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $8,729 | 5.25% |
| Mount Gay-Shamrock, WV (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,870 | 5.00% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $1,764 | 4.63% |
| Torrington, CT (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,373 | 3.88% |
| TUCSON, AZ (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $1,894 | 3.63% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,044 | 3.13% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,894 | 3.88% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,061 | 3.25% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,705 | 3.38% |
| Portsmouth, OH (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,143 | 4.38% |
| TERRE HAUTE, IN (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $1,451 | 3.00% |
| Sandusky, OH (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,207 | 6.00% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,529 | 3.75% |
| HOT SPRINGS, AR (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $1,743 | 3.25% |
| Bluefield, WV-VA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $5,626 | 3.38% |
| MONTGOMERY, AL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $1,482 | 3.00% |
| HINESVILLE, GA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $5,242 | 4.25% |
| FLINT, MI (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $1,718 | 4.63% |
| PARKERSBURG-VIENNA, WV (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,520 | 3.63% |
| EL PASO, TX (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $827 | 3.63% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $2,107 | 4.25% |
| BECKLEY, WV (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $4,360 | 3.50% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $2,664 | 4.13% |
| OCALA, FL (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $2,175 | 3.25% |
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 2019, Siwell's most frequently originated type of loan was Conventional, with 114 originations. Their 2nd most popular type was FHA, with 40 originations.
Loan Reason
For 2019, Siwell's most frequently cited loan purpose was Home Purchase, with 83 originations. The 2nd most popular reason was Cash Out Refi, with 65 originations.
Loan Duration/Length
For 2019, Siwell's most frequently cited loan duration was 30 Year, with 164 originations. The 2nd most popular length was 15 Year, with 24 originations.
Origination Fees/Closing Costs
Siwell's average total fees were $5,658, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 107 originations.
Interest Rates
During 2019, Siwell's average interest rate for loans was 4.35%, while their most frequently originated rate bucket for loans was 4-5%, with 95 originations.
Loan Sizing
2019 saw Siwell place emphasis on $200k-400k loans with 82 originations, totaling $21,860,000 in origination value.
Applicant Income
Siwell lent most frequently to those with incomes in the $50k-75k range, with 62 originations. The second most popular income band? $50k or less, with 40 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 30-36% | 1 | $195,000 | $195,000 | $6,780 | 4.13% |
Siwell lent most frequently to those with DTI ratios of 30-36%, with 1 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications88.26%
Siwell has an average approval rate.
Pick Rate
Approvals leading to originationPoints and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 203 | $45,215,000 | $222,734 |