Siwell, Inc., dba Capital Mortgage Services of Tex Mortgage Lending & HMDA Data, 2018
In 2018, Siwell, Inc., dba Capital Mortgage Services of Tex of Lubbock, TX reported 335 mortgage applications totaling $81.2 million, down 66% from 2017. The average application was for $242,402, and applicants reported an average income of $84,205. 89% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Lubbock, TX (20), Fort Worth-Arlington, TX (17) and Urban Honolulu, HI (12) (applications in parentheses).
| Mortgage Company & Address | Siwell, Inc., dba Capital Mortgage Services of Tex 4210 50th St Lubbock, TX 79413 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 |
| Total Number of Mortgage Applications | 335 |
| Total Mortgage Loan Application Amount | $81,205,000 |
| Average Mortgage Loan Application Amount | $242,402 |
| Highest Mortgage Loan Application Amount | $675,000 |
| Average Applicant Income | $84,205 |
| Highest Applicant Income | $393,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Siwell, Inc., dba Capital Mortgage Services of Tex filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
Mortgage Loan Application Detail Totals for Siwell, Inc., dba Capital Mortgage Services of Tex in 2018
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 203 | $51,255,000 | $252,000 | $665,000 | $83,000 | $276,000 |
| Cash-out Refinancing | 76 | $15,870,000 | $208,000 | $675,000 | $78,000 | $164,000 |
| Refinancing | 56 | $14,080,000 | $251,000 | $625,000 | $97,000 | $393,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 164 | $35,450,000 | $216,000 | $625,000 | $87,000 | $393,000 |
| Asian | 51 | $14,435,000 | $283,000 | $665,000 | $82,000 | $186,000 |
| Native Hawaiian or Other Pacific Islander | 41 | $11,795,000 | $287,000 | $675,000 | $75,000 | $156,000 |
| Not Provided | 34 | $10,010,000 | $294,000 | $555,000 | $90,000 | $195,000 |
| Black or African American | 21 | $3,955,000 | $188,000 | $305,000 | $91,000 | $276,000 |
| Hispanic | 21 | $4,785,000 | $227,000 | $545,000 | $66,000 | $115,000 |
| American Indian or Alaskan Native | 1 | $235,000 | $235,000 | $235,000 | $72,000 | $72,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 140 | $31,990,000 | $228,000 | $675,000 | $99,000 | $393,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 110 | $28,830,000 | $262,000 | $555,000 | $74,000 | $132,000 |
| FHA-insured (Federal Housing Administration) | 72 | $16,670,000 | $231,000 | $665,000 | $74,000 | $165,000 |
| VA-guaranteed (Veterans Administration) | 13 | $3,715,000 | $285,000 | $625,000 | $62,000 | $108,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 299 | $71,585,000 | $239,000 | $675,000 | $85,000 | $393,000 |
| Application Denied By Financial Institution | 36 | $9,620,000 | $267,000 | $625,000 | $72,000 | $144,000 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 299 | $71,585,000 | $239,000 | $675,000 | $85,000 | $393,000 |
| Debt-To-Income Ratio | 20 | $5,680,000 | $284,000 | $625,000 | $63,000 | $89,000 |
| Collateral | 5 | $1,255,000 | $251,000 | $415,000 | $98,000 | $144,000 |
| Credit History | 5 | $1,065,000 | $213,000 | $275,000 | $58,000 | $95,000 |
| Employment History | 2 | $410,000 | $205,000 | $275,000 | $75,000 | $89,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $630,000 | $315,000 | $445,000 | $126,000 | $131,000 |
| Other | 1 | $225,000 | $225,000 | $225,000 | $72,000 | $72,000 |
| Unverifiable Information | 1 | $355,000 | $355,000 | $355,000 | $91,000 | $91,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Siwell, Inc., dba Capital Mortgage Services of Tex's 2018 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Siwell, Inc., dba Capital Mortgage Services of Tex's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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