Silver Hill Funding in Florida vs the state
18.8%Denial rate-2.31 pts vs state
34.6%Decision denial rate+7.38 pts vs state
35.4%Origination rate-17.27 pts vs state
8.13%Median rate+1.50 pts vs state
—Rate spread (pts)
—Median applicant income
17Loans originated
9Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 190 | 72 | 19.0% | 8.50% | #393 |
| 2024 | 254 | 63 | 20.5% | 8.75% | #342 |
| 2025 | 48 | 17 | 18.8% | 8.13% | #608 |
What Silver Hill Funding lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Other large lenders in Florida
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 71,405 | 15.3% | 6.44% |
| Rocket Mortgage | C | 46,611 | 21.0% | 6.63% |
| Bank of America | F | 23,634 | 37.7% | 6.24% |
| Pennymac Loan Services | C | 19,516 | 14.1% | 6.50% |
| Navy Federal Credit Union | D | 19,452 | 23.2% | 7.59% |
| Crosscountry Mortgage | B | 19,103 | 5.2% | 6.75% |
| Newrez | D | 17,519 | 22.4% | 6.75% |
| Dhi Mortgage Company | B | 16,661 | 14.5% | 4.88% |
| Lennar Mortgage | A | 14,984 | 21.0% | 4.75% |
| Truist Bank | C | 14,140 | 41.5% | 6.60% |
Frequently asked questions
Florida: 48 applications in 2025, of which 17 were originated and 9 denied.
18.8% of all applications, or 34.6% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Silver Hill Funding originated in Florida in 2025 was 8.13%, against a statewide median of 6.63%.
About this data. Figures are Silver Hill Funding's own HMDA filing for properties located in Florida, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology