Scenic Oaks Funding in Washington vs the state
2.1%Denial rate-13.58 pts vs state
2.7%Decision denial rate-16.82 pts vs state
74.0%Origination rate+12.91 pts vs state
6.62%Median rate0.00 pts vs state
0.13Rate spread (pts)-0.05 pts vs state
$166kMedian applicant income
358Loans originated
10Denied
Trend in Washington
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 474 | 348 | 1.9% | 6.88% | #99 |
| 2025 | 484 | 358 | 2.1% | 6.62% | #105 |
What Scenic Oaks Funding lends in Washington
By loan purpose
By loan type
Why it denied Washington applicants
Where in Washington
Counties with the most Scenic Oaks Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| King County | 164 | 125 | 4 | 2.4% |
| Snohomish County | 97 | 73 | 2 | 2.1% |
| Pierce County | 66 | 46 | 1 | 1.5% |
| Kitsap County | 37 | 27 | 1 | 2.7% |
| Spokane County | 33 | 20 | 1 | 3.0% |
| Clark County | 21 | 17 | 0 | 0.0% |
| Chelan County | 11 | 8 | 1 | 9.1% |
| Island County | 9 | 7 | 0 | 0.0% |
| Thurston County | 7 | 5 | 0 | 0.0% |
| Skagit County | 6 | 5 | 0 | 0.0% |
Other large lenders in Washington
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Boeing Employees Credit Union | B | 21,599 | 23.8% | 6.13% |
| Rocket Mortgage | C | 14,301 | 15.9% | 6.63% |
| United Shore Financial Services | B | 13,770 | 10.0% | 6.13% |
| Guild Mortgage | A | 8,056 | 3.4% | 6.63% |
| CMG Mortgage | A | 7,817 | 3.1% | 6.63% |
| Movement Mortgage | A | 7,472 | 3.6% | 6.63% |
| Bank of America | F | 6,986 | 27.0% | 5.99% |
| Crosscountry Mortgage | B | 6,903 | 3.1% | 6.63% |
| U.S. Bank | D | 6,568 | 27.6% | 6.63% |
| Newrez | D | 5,849 | 12.9% | 6.63% |
Frequently asked questions
Washington: 484 applications in 2025, of which 358 were originated and 10 denied.
2.1% of all applications, or 2.7% of the applications it actually decided on. The Washington statewide average across all lenders was 15.7%.
The median rate on loans Scenic Oaks Funding originated in Washington in 2025 was 6.62%, against a statewide median of 6.63%.
About this data. Figures are Scenic Oaks Funding's own HMDA filing for properties located in Washington, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology