Doubled, from a low base
It made 63 loans, up 110% from 30 in 2024, while similar lenders (independent non-bank lenders making between half and twice as many loans) made 4% fewer. The rebound is small beside its past: in 2020 it made 555 loans.
Applications / Mortgage Analytics / Lenders / Texas / Siwell
Siwell
Lubbock, TX · Independent non-bank lender · CFPB · 63 loans in 2025
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63
loans originated, 2025
98
applications, 2025
8
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Siwell is a small non-bank home-purchase lender that leans on government-backed loans and doubled its count in 2025, though it lends far less than it did in 2020.
Government-backed purchase loans
Home purchases made up 76.2% of its lending. Loans insured by the Federal Housing Administration (FHA) were 28.6% of the total, against 7.4% at the typical peer. Loans guaranteed by the Department of Veterans Affairs and the Department of Agriculture's Rural Housing Service added 6.3% and 7.9%; the typical peer made none of either. Conventional loans were only 57.1%.
Lubbock and beyond
Its largest market is Lubbock, where its share rose to 0.3% from 0.1% and it ranked 44 of 341 lenders. Texas Tech Federal Credit Union and Alliance Credit Union lead there. It lends in eight states, with Ohio its main one. With 63 loans, its shares by borrower income and neighborhood are too small to read much into.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
63 loans in 2025, against a peak of 555 in 2020.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Siwell took 98 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
76.2% of its 2025 loans were purchase loans; 57.1% were conventional loans.
Purchase 76.2% · Refinance 20.6% · Other 3.2%
Conventional 57.1% · FHA 28.6% · USDA (RHS or FSA) 7.9% · VA 6.3% · of 63 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
8 states, 8 metros, 22 counties
| State | Loans | Share |
|---|---|---|
| Ohio | 24 | 38.1% |
| Texas | 20 | 31.7% |
| U.S. Virgin Islands | 14 | 22.2% |
| California | 1 | 1.6% |
| Kentucky | 1 | 1.6% |
| Michigan | 1 | 1.6% |
| South Carolina | 1 | 1.6% |
| West Virginia | 1 | 1.6% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Lubbock | 16 |
| Columbus | 3 |
| Huntington-Ashland | 3 |
| Houston-Pasadena-The Woodlands | 2 |
| Austin-Round Rock-San Marcos | 1 |
| Charleston-North Charleston | 1 |
| Riverside-San Bernardino-Ontario | 1 |
| Warren-Troy-Farmington Hills | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300QV3GEYMP1WSO93 | 2018–2025 |
| Respondent ID (the HMDA filer code before 2018) | 7751791492 |
Established 5 October 1981. Reported under HMDA 2017-2025.
Mergers, name changes, data editions and corrections: Siwell's data.
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