Silver Hill Funding in Massachusetts vs the state
12.5%Denial rate-3.71 pts vs state
25.0%Decision denial rate+5.05 pts vs state
37.5%Origination rate-25.10 pts vs state
8.38%Median rate+1.75 pts vs state
—Rate spread (pts)
—Median applicant income
3Loans originated
1Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 33 | 12 | 21.2% | 8.75% | #349 |
| 2024 | 40 | 5 | 25.0% | 6.75% | #338 |
| 2025 | 8 | 3 | 12.5% | 8.38% | #477 |
What Silver Hill Funding lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Other large lenders in Massachusetts
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Citizens Bank | C | 17,476 | 29.0% | 7.40% |
| Rocket Mortgage | C | 8,698 | 15.9% | 6.75% |
| Bank of America | F | 7,784 | 30.1% | 5.99% |
| Guaranteed Rate | B | 7,313 | 4.5% | 6.50% |
| Eastern Bank | B | 6,216 | 31.8% | 6.99% |
| Rockland Trust | C | 5,990 | 28.6% | 6.99% |
| Leader Bank | A | 5,913 | 1.8% | 6.25% |
| United Shore Financial Services | B | 5,898 | 12.8% | 6.50% |
| Crosscountry Mortgage | B | 5,634 | 3.8% | 6.63% |
| TD Bank | D | 3,778 | 26.9% | 7.44% |
Frequently asked questions
Massachusetts: 8 applications in 2025, of which 3 were originated and 1 denied.
12.5% of all applications, or 25.0% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans Silver Hill Funding originated in Massachusetts in 2025 was 8.38%, against a statewide median of 6.63%.
About this data. Figures are Silver Hill Funding's own HMDA filing for properties located in Massachusetts, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology