About Us

What We Do

Capital Mortgage Services (CMS) is an independent mortgage banking aggregator that has a retail, correspondent and wholesale channel, including non-delegated and delegated correspondent programs. Our professionals are dedicated to our partners and invested in their success.

If your borrowers need more flexible mortgage solutions, we offer a comprehensive range of loan products and competitive pricing, delivered with the tools you need for a successful closing.

CMS also purchases closed, funded residential loans from our expansive network of correspondent partners in bulk or on a flow basis. We provide an origination platform (LOS) and point of sale (POS), allowing for a shared service business model, positioning our partners to cut costs, streamline loan processing while increasing revenue.

CMS is an approved seller/servicer with Freddie Mac and Fannie Mae, plus a seller/issuer to Ginnie Mae (USDA, VA and FHA). We are proud to present an array of products to our clients, both agency and non-agency products, to meet the customer’s specific needs.

Why Choose CMS?

Capital Mortgage Services truly appreciates the importance of strong partnerships with banks and credit unions. Recognizing that exceptional customer experiences are pivotal in creating lifelong customers, we honorably take on the responsibility of nurturing bonds with our members and customers. Our commitment to leveraging pioneering technology and caring interactions to deliver top-notch customer experiences not only enhances our brand but also fosters lasting loyalty.

Consistent Pricing Model

Competitive pricing, positioning you to win business

Streamlined Solutions

We provide you, our partner, access to state-of-the-art technology, creating a seamless, efficient experience for you and your customer

Industry Leading Turn Times

Our team works for you. We are an extension of the level of service you provide to your customer

Top 10 Reasons to Use Capital Mortgage

Capital Mortgage Services is a Mortgage Banking Firm, not a Broker
Approval in Minutes
FHA Direct Endorsement Lender
Table Funding
Best Service in Town

Electronic Access to Current Market Conditions
Home Owned and Operated
Lowest Rates in Town
Credit Freedom
“We Can” Attitude

At Capital Mortgage Services, we’re happy to be a part of your American dream.

With approval and processing times that rival anyone in the industry, we’re thrilled to be a part of that dream with you.

©2026 Capital Mortgage Services, all rights reserved.
Siwell, Inc. dba Capital Mortgage Services NMLS 149169
Licensed by the Department of Business Oversight under the California Residential Lending Act

MORTGAGE BANKER DISCLOSURE

Residential Mortgage Loan Originator: Siwell, Inc. dba Capital Mortgage Services
Organization NMLS ID: 149169

CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.

THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT-OF-POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.

FOR VIRGINIA BORROWERS, TOTAL FINANCE CHARGES OVER THE LIFE OF THE LOAN MAY INCREASE IF APPLICABLE.

Hawaii Borrowers Public Information Notice Requirement