SCENIC OAKS FUNDING, LLC
SCENIC OAKS FUNDING, LLC received 1,451 applications in 2025 and made 1,069 mortgages, in 96 counties across 9 states. The median rate its borrowers got was 6.500% on a median loan of $425,000. Of 1,113 decisions, 44 were denials — 4.0%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300WJIJV987NXVC31 |
|---|---|
| Applications received | 1,451 |
| Mortgages made | 1,069 |
| Denied | 44 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 338 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.184 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 934 | 6.624% | $435,000 | 3.2% |
| Refinancing | 96 | 6.250% | $455,000 | 6.8% |
| Cash-out refinancing | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Other purposes | 35 | 6.750% | $275,000 | 14.6% |
Where SCENIC OAKS FUNDING, LLC lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Stanislaus County, CA | 196 | 6.500% | 3.9% |
| King County, WA | 125 | 6.624% | 3.1% |
| Sacramento County, CA | 74 | 6.624% | 3.9% |
| Multnomah County, OR | 73 | 6.490% | 1.4% |
| Snohomish County, WA | 73 | 6.624% | 2.7% |
| San Joaquin County, CA | 57 | 6.500% | 6.6% |
| Pierce County, WA | 46 | 6.495% | 2.1% |
| Washington County, OR | 33 | 6.490% | 0.0% |
| Merced County, CA | 32 | 6.625% | 3.0% |
| Placer County, CA | 31 | 6.490% | 0.0% |
| Kitsap County, WA | 27 | 6.624% | 3.6% |
| El Dorado County, CA | 22 | 6.750% | 0.0% |
| Spokane County, WA | 20 | 6.625% | 4.8% |
| Yolo County, CA | 19 | 6.750% | 5.0% |
| Riverside County, CA | 18 | 6.375% | 10.0% |
| Clackamas County, OR | 18 | 6.625% | 0.0% |
| Clark County, WA | 17 | 6.490% | 0.0% |
| Salt Lake County, UT | 13 | 6.125% | 7.1% |
| Deschutes County, OR | 11 | 6.500% | 0.0% |
| Tuolumne County, CA | 10 | 6.625% | 0.0% |
| Chelan County, WA | 8 | Under 10 loans | 11.1% |
| Nevada County, CA | 7 | Under 10 loans | 0.0% |
| Marion County, OR | 7 | Under 10 loans | 0.0% |
| Utah County, UT | 7 | Under 10 loans | 30.0% |
| Island County, WA | 7 | Under 10 loans | 0.0% |
| San Diego County, CA | 6 | Under 10 loans | 0.0% |
| Alameda County, CA | 5 | Under 10 loans | 28.6% |
| Calaveras County, CA | 5 | Under 10 loans | 16.7% |
| Douglas County, WA | 5 | Under 10 loans | 0.0% |
| Skagit County, WA | 5 | Under 10 loans | 0.0% |
| Thurston County, WA | 5 | Under 10 loans | 0.0% |
| Contra Costa County, CA | 4 | Under 10 loans | 20.0% |
| Polk County, OR | 4 | Under 10 loans | 0.0% |
| Whatcom County, WA | 4 | Under 10 loans | 0.0% |
| Maricopa County, AZ | 3 | Under 10 loans | 0.0% |
| Fresno County, CA | 3 | Under 10 loans | 0.0% |
| Linn County, OR | 3 | Under 10 loans | 0.0% |
| Davis County, UT | 3 | Under 10 loans | 0.0% |
| Grays Harbor County, WA | 3 | Under 10 loans | 0.0% |
| Kittitas County, WA | 3 | Under 10 loans | 0.0% |
| Mason County, WA | 3 | Under 10 loans | 0.0% |
| Amador County, CA | 2 | Under 10 loans | 33.3% |
| Butte County, CA | 2 | Under 10 loans | 0.0% |
| Madera County, CA | 2 | Under 10 loans | 33.3% |
| Marin County, CA | 2 | Under 10 loans | 0.0% |
| Santa Clara County, CA | 2 | Under 10 loans | 0.0% |
| Shasta County, CA | 2 | Under 10 loans | 0.0% |
| Solano County, CA | 2 | Under 10 loans | 0.0% |
| Tulare County, CA | 2 | Under 10 loans | 0.0% |
| Yuba County, CA | 2 | Under 10 loans | 0.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.