Scenic Oaks Funding in Oregon vs the state
1.0%Denial rate-14.33 pts vs state
1.3%Decision denial rate-17.89 pts vs state
75.6%Origination rate+14.99 pts vs state
6.49%Median rate-0.26 pts vs state
0.05Rate spread (pts)-0.23 pts vs state
$154kMedian applicant income
155Loans originated
2Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 148 | 123 | 1.4% | 6.63% | #132 |
| 2025 | 205 | 155 | 1.0% | 6.49% | #114 |
What Scenic Oaks Funding lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Scenic Oaks Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Multnomah County | 95 | 73 | 1 | 1.1% |
| Washington County | 40 | 33 | 0 | 0.0% |
| Clackamas County | 22 | 18 | 0 | 0.0% |
| Deschutes County | 16 | 11 | 0 | 0.0% |
| Marion County | 9 | 7 | 0 | 0.0% |
| Linn County | 6 | 3 | 0 | 0.0% |
| Polk County | 4 | 4 | 0 | 0.0% |
| Tillamook County | 3 | 0 | 0 | 0.0% |
| Jefferson County | 3 | 1 | 1 | 33.3% |
| Yamhill County | 2 | 1 | 0 | 0.0% |
Other large lenders in Oregon
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Onpoint Community Credit Union | B | 10,710 | 15.7% | 7.50% |
| Rocket Mortgage | C | 6,649 | 16.3% | 6.75% |
| United Shore Financial Services | B | 6,600 | 10.4% | 6.25% |
| Guild Mortgage | A | 6,034 | 2.6% | 6.55% |
| U.S. Bank | D | 4,875 | 31.6% | 7.85% |
| Umpqua Bank | C | 3,155 | 23.0% | 7.50% |
| Newrez | D | 2,945 | 12.9% | 6.63% |
| CMG Mortgage | A | 2,702 | 2.9% | 6.50% |
| Pennymac Loan Services | C | 2,642 | 10.2% | 6.62% |
| Rogue Credit Union | C | 2,511 | 10.2% | 7.49% |
Frequently asked questions
Oregon: 205 applications in 2025, of which 155 were originated and 2 denied.
1.0% of all applications, or 1.3% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Scenic Oaks Funding originated in Oregon in 2025 was 6.49%, against a statewide median of 6.75%.
About this data. Figures are Scenic Oaks Funding's own HMDA filing for properties located in Oregon, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology