SunnyHill Financial Review
See how often this lender's Bankrate auction price beats comparable loans from 2025.
Bankrate verified lender
This lender is a Bankrate Auction Participant, meaning we verify their offer authenticity and hold them to high standards to ensure you get the best possible rate offer.
How Bankrate scores SunnyHill Financial
SunnyHill Financial is a mortgage broker, not a direct lender — it doesn't originate loans itself. We still score its pricing on the same measures we use for every lender, so you can compare it fairly against your other options.
- Price competitiveness
How often this lender's borrowers pay at or below the typical price for a comparable loan.
5 out of 5 - Amount of overpayment
How much extra borrowers ended up paying with this lender compared to the best price for a comparable loan. A higher percentile score is always better.
5 out of 5 - —Customer complaints
1 CFPB mortgage complaint on file in 2025 (1 about applying for or closing a loan) — shown as a count, not a star: brokers don't originate loans, so there's no per-loan denominator for a rate.
Not rated - —Where and what they lend
10+ Bankrate customers in 22 states; 100+ in 14. No lending-reach data from this broker, so this stays a comparison point for you rather than a star.
Not rated
No lender can pay for a higher Bankrate Rating. Every score comes from the same data and criteria.
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What Bankrate's editors think
SunnyHill leans hard into government-backed lending — FHA and VA loans sit alongside standard conventional and jumbo options, and the company’s own materials specifically tout its VA loan volume. It’s licensed across 24 states plus Washington, D.C., wider reach than most brokers this size.
On price, about 90% of SunnyHill’s mortgages were priced below comparable loans in 2025, and it charges less in added costs than roughly 80% of comparable lenders and brokers. Its single origination-related CFPB complaint was resolved within the required window, and though it isn’t BBB-accredited, it carries an A+ rating. Complaints and BBB standing aren’t part of a broker’s rating.
At a glance
Good for VA and other government-loan borrowers who want pricing that beats most comparable loans. Not a good fit if you need a USDA or investor-specific loan — neither is part of the menu.
What consumers say
Summary: SunnyHill Financial reviewers most often point to a team that responds without delay, and separately credit the loan officer for guidance handled just as well; a smaller minority report trouble getting a response.
We cannot say enough positive things about our experience with SunnyHill Financial!
From start to finish, their customer service was truly stellar. As first-time homebuyers, the mortgage process could have easily felt overwhelming, but the SunnyHill team made it feel organized, manageable, and seamless. They were responsive, professional, knowledgeable, and consistently kept us informed throughout every step of the process. We were especially grateful for Andrea and Tyler, whose professionalism, dedication, and attention to detail went above and beyond our expectations. They worked incredibly hard to keep everything moving, answered all of our questions, and helped us navigate the process with confidence. We always felt like they genuinely cared about getting us to the finish line. They were able to successfully close our escrow in just 21 days, which was an incredible accomplishment. Their communication, coordination, and commitment were instrumental in keeping everything on track, especially when things became time-sensitive. What stood out most was that SunnyHill wasn't just helping us secure a mortgage—they were there as our mortgage brokerage team, advocating for us, coordinating with the lender and other parties involved, and helping make the entire process as smooth and effective as possible. We are incredibly grateful to Andrea, Tyler, and the entire SunnyHill Financial team for helping us purchase our first home. 🏡🔑 Their professionalism, dedication, and exceptional customer service made such a meaningful difference in our experience. Thank you, SunnyHill Financial, for helping make our first home purchase such a positive experience! We would absolutely recommend them to anyone looking for a knowledgeable, responsive, and genuinely client-focused mortgage brokerage team.
Citlaly . · Riverside CA
Quick and Easy
Joanna and Jinnan made this loan process a breeze. They were very helpful and answered all my questions promptly. I have done other loans elsewhere and not had the service I experienced here at Sunnyhill Financial. Definitely my New "Go To"
Dale . · Red Bluff
Special Big Thank you to the Sunnyhill Team
Even tho this was a short sale process, i really appreciate the professionalism in this team and there quick response to everything, while making me feel very sure that i was able to trust them, so thank you all so much in helping get into my retirement home. EXCITED!
Natalie · Hemet
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