Scenic Oaks Funding in California vs the state
4.0%Denial rate-13.39 pts vs state
5.2%Decision denial rate-17.19 pts vs state
73.3%Origination rate+17.14 pts vs state
6.50%Median rate-0.13 pts vs state
0.30Rate spread (pts)+0.03 pts vs state
$134kMedian applicant income
509Loans originated
28Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 364 | 278 | 3.9% | 6.50% | #265 |
| 2024 | 561 | 402 | 1.3% | 6.63% | #228 |
| 2025 | 694 | 509 | 4.0% | 6.50% | #209 |
What Scenic Oaks Funding lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Scenic Oaks Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Stanislaus County | 246 | 196 | 8 | 3.3% |
| Sacramento County | 103 | 74 | 3 | 2.9% |
| San Joaquin County | 80 | 57 | 4 | 5.0% |
| Placer County | 45 | 31 | 0 | 0.0% |
| Merced County | 42 | 32 | 1 | 2.4% |
| El Dorado County | 32 | 22 | 0 | 0.0% |
| Riverside County | 28 | 18 | 2 | 7.1% |
| Yolo County | 24 | 19 | 1 | 4.2% |
| Tuolumne County | 10 | 10 | 0 | 0.0% |
| Nevada County | 9 | 7 | 0 | 0.0% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 694 applications in 2025, of which 509 were originated and 28 denied.
4.0% of all applications, or 5.2% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Scenic Oaks Funding originated in California in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Scenic Oaks Funding's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology