Silver Hill Funding at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the F grade breaks down
Each component is a percentile rank among 220 investment-property lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
4th39.7% deniedProcesswithdrawn + incomplete share, weight 15%
1st56.5%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 1,564 | 542 | 22.8% | 39.7% | 8.50% | $209M |
| 2024 | 1,971 | 480 | 19.5% | 44.4% | 8.81% | $225M |
| 2025 | 782 | 205 | 17.3% | 39.7% | 8.38% | $105M |
What Silver Hill Funding lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 782 investment properties.
Why Silver Hill Funding denies applications
Primary reason reported for each of the 135 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Silver Hill Funding
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 35–44 | 29 | 11 | 21.4% |
| 55–64 | 21 | 10 | 16.7% |
Where Silver Hill Funding lends
39 states and 0 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| New York | 139 | 29 | 14.4% | 8.38% | #238 |
| Illinois | 93 | 21 | 16.1% | 8.13% | #356 |
| Pennsylvania | 67 | 28 | 17.9% | 8.31% | #442 |
| New Jersey | 65 | 21 | 7.7% | 8.75% | #320 |
| Ohio | 62 | 13 | 24.2% | 8.25% | #381 |
| Connecticut | 48 | 13 | 14.6% | 8.63% | #223 |
| Florida | 48 | 17 | 18.8% | 8.13% | #608 |
| California | 38 | 11 | 21.1% | 8.25% | #561 |
| Maryland | 35 | 6 | 31.4% | 8.56% | #353 |
| Texas | 30 | 10 | 16.7% | 8.13% | #804 |
| Georgia | 20 | 6 | 10.0% | 8.13% | #569 |
| Indiana | 18 | 2 | 33.3% | 7.81% | #474 |
| Michigan | 15 | 1 | 26.7% | 8.38% | #478 |
| Virginia | 12 | 2 | 8.3% | 7.44% | #547 |
| Wisconsin | 10 | 5 | 20.0% | 8.63% | #489 |
| North Carolina | 9 | 1 | 33.3% | 7.38% | #651 |
| District of Columbia | 8 | 4 | 25.0% | 8.63% | #197 |
| Massachusetts | 8 | 3 | 12.5% | 8.38% | #477 |
| South Carolina | 7 | 2 | 14.3% | 7.88% | #601 |
| Louisiana | 6 | 3 | 16.7% | 8.50% | #422 |
| Iowa | 5 | 0 | 40.0% | — | #418 |
| Rhode Island | 5 | 4 | 20.0% | 9.25% | #245 |
Frequently asked questions
Silver Hill Funding denied 39.7% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 4th percentile of investment-property lenders.
The most common reason Silver Hill Funding gave in 2025 was "collateral", cited on 76.3% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Silver Hill Funding originated in 2025 was 8.38%, and its median rate spread over the average prime offer rate was 0.00 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 0% of its applications were for home purchases, 68% for refinancing (including cash-out), and 32% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.