Silver Hill Funding in New York vs the state
14.4%Denial rate-5.36 pts vs state
40.8%Decision denial rate+16.78 pts vs state
20.9%Origination rate-38.73 pts vs state
8.38%Median rate+1.75 pts vs state
—Rate spread (pts)
—Median applicant income
29Loans originated
20Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 160 | 36 | 28.1% | 8.56% | #220 |
| 2024 | 233 | 46 | 24.5% | 8.69% | #190 |
| 2025 | 139 | 29 | 14.4% | 8.38% | #238 |
What Silver Hill Funding lends in New York
By loan purpose
By loan type
Why it denied New York applicants
Other large lenders in New York
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Citizens Bank | C | 20,315 | 32.7% | 7.97% |
| Rocket Mortgage | C | 19,924 | 22.0% | 6.88% |
| United Shore Financial Services | B | 14,777 | 11.2% | 6.50% |
| JPMorgan Chase Bank | B | 14,735 | 11.7% | 6.38% |
| Manufacturers and Traders Trust | C | 12,335 | 31.3% | 5.99% |
| Bank of America | F | 10,193 | 35.7% | 5.99% |
| Bethpage Federal Credit Union | C | 9,736 | 47.2% | 6.49% |
| TD Bank | D | 9,239 | 30.2% | 7.69% |
| Newrez | D | 8,654 | 24.2% | 6.75% |
| ESL Federal Credit Union | B | 7,817 | 17.6% | 4.50% |
Frequently asked questions
New York: 139 applications in 2025, of which 29 were originated and 20 denied.
14.4% of all applications, or 40.8% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans Silver Hill Funding originated in New York 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 New York, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology