Scenic Oaks Funding in Utah vs the state
8.5%Denial rate-7.45 pts vs state
11.8%Decision denial rate-7.42 pts vs state
63.8%Origination rate+0.59 pts vs state
6.25%Median rate-0.38 pts vs state
-0.02Rate spread (pts)-0.26 pts vs state
$136kMedian applicant income
30Loans originated
4Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 11 | 9 | 0.0% | 6.62% | #264 |
| 2025 | 47 | 30 | 8.5% | 6.25% | #176 |
What Scenic Oaks Funding lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most Scenic Oaks Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Salt Lake County | 20 | 13 | 1 | 5.0% |
| Utah County | 14 | 7 | 3 | 21.4% |
| Davis County | 4 | 3 | 0 | 0.0% |
| Tooele County | 3 | 2 | 0 | 0.0% |
| Summit County | 2 | 1 | 0 | 0.0% |
| Weber County | 2 | 2 | 0 | 0.0% |
| Washington County | 2 | 2 | 0 | 0.0% |
Other large lenders in Utah
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| AMERICA FIRST Federal Credit Union | C | 16,303 | 18.3% | 6.99% |
| Mountain America Federal Credit Union | D | 15,401 | 36.5% | 7.24% |
| United Shore Financial Services | B | 11,325 | 8.5% | 6.25% |
| Rocket Mortgage | C | 6,276 | 14.6% | 6.63% |
| Guild Mortgage | A | 5,427 | 1.5% | 6.50% |
| Intercap Lending | A | 4,881 | 0.7% | 6.50% |
| Goldenwest | B | 4,794 | 17.6% | 7.50% |
| First Colony Mortgage | A | 3,499 | 2.1% | 6.38% |
| Kind Lending | C | 3,227 | 20.3% | 6.50% |
| Zions Bancorporation | B | 3,013 | 22.9% | 6.49% |
Frequently asked questions
Utah: 47 applications in 2025, of which 30 were originated and 4 denied.
8.5% of all applications, or 11.8% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans Scenic Oaks Funding originated in Utah in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are Scenic Oaks Funding's own HMDA filing for properties located in Utah, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology