Silver Hill Funding in California vs the state
21.1%Denial rate+3.63 pts vs state
42.1%Decision denial rate+19.71 pts vs state
29.0%Origination rate-27.25 pts vs state
8.25%Median rate+1.63 pts vs state
—Rate spread (pts)
—Median applicant income
11Loans originated
8Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 96 | 29 | 28.1% | 8.50% | #449 |
| 2024 | 138 | 29 | 16.7% | 8.88% | #396 |
| 2025 | 38 | 11 | 21.1% | 8.25% | #561 |
What Silver Hill Funding lends in California
By loan purpose
By loan type
Why it denied California applicants
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 38 applications in 2025, of which 11 were originated and 8 denied.
21.1% of all applications, or 42.1% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Silver Hill Funding originated in California in 2025 was 8.25%, against a statewide median of 6.63%.
About this data. Figures are Silver Hill Funding's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology