Scenic Oaks Funding in Idaho vs the state
0.0%Denial rate-14.45 pts vs state
0.0%Decision denial rate-17.52 pts vs state
75.0%Origination rate+11.98 pts vs state
6.37%Median rate-0.25 pts vs state
0.36Rate spread (pts)+0.20 pts vs state
$129kMedian applicant income
6Loans originated
0Denied
What Scenic Oaks Funding lends in Idaho
By loan purpose
By loan type
Where in Idaho
Counties with the most Scenic Oaks Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Ada County | 3 | 2 | 0 | 0.0% |
| Lincoln County | 2 | 1 | 0 | 0.0% |
| Gooding County | 2 | 2 | 0 | 0.0% |
| Bonneville County | 1 | 1 | 0 | 0.0% |
Other large lenders in Idaho
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Idaho Central Credit Union | A | 15,644 | 16.5% | 7.00% |
| Rocket Mortgage | C | 4,391 | 13.3% | 6.63% |
| United Shore Financial Services | B | 3,943 | 9.1% | 6.12% |
| Premier Mortgage Resources | B | 2,504 | 2.7% | 6.25% |
| Mountain America Federal Credit Union | D | 2,323 | 37.7% | 7.24% |
| Guild Mortgage | A | 2,320 | 3.4% | 6.50% |
| U.S. Bank | D | 2,161 | 28.6% | 7.35% |
| Loandepot.Com | D | 1,622 | 14.2% | 6.50% |
| Glacier Bank | D | 1,507 | 14.5% | 6.88% |
| Pennymac Loan Services | C | 1,297 | 10.8% | 6.50% |
Frequently asked questions
Idaho: 8 applications in 2025, of which 6 were originated and 0 denied.
0.0% of all applications, or 0.0% of the applications it actually decided on. The Idaho statewide average across all lenders was 14.5%.
The median rate on loans Scenic Oaks Funding originated in Idaho in 2025 was 6.37%, against a statewide median of 6.63%.
About this data. Figures are Scenic Oaks Funding's own HMDA filing for properties located in Idaho, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology