Report|3 Dec 2025

Silver Queen Financial Services, Inc. Surveillance Report

Company Profile

  • Silver Queen Financial Services, Inc. (“SQFS” or “Silver Queen”) is a privately held bank holding company, primarily operating through its main subsidiary, Colorado Federal Savings Bank (“the bank”), which utilizes a branchless banking model to serve customers nationwide. SQFS is majority-owned by an individual, who also holds majority ownership in Provident Funding Associates (“PFA”), a leading mortgage originator and servicer, and Provident Mortgage Trust (“PMT”).
  • Over the years, SQFS has leveraged affiliates (PFA/PMT) to build its deposit base via escrow balances tied to MSR purchases across the bank and affiliates since early 2023 and expand its loan portfolio through a wholesale mortgage channel. With those channels now established, growth now prioritizes C&D and a recently launched small balance multifamily vertical.
  • Additionally, SQFS maintains a robust wholesale single family origination channel in 22 states: ~$300 million…
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