Lender in California · HMDA 2025
Scenic Oaks Funding, LLC mortgages in California
Scenic Oaks Funding, LLC's 2025 home-purchase and refinance lending in California, compared with all lenders in the state.
Scenic Oaks Funding, LLC originated 443 owner-occupied single-family loans in California from 462 completed applications.
Its median conventional purchase loan costs were $7,380 versus $7,920 for all California lenders, at a median 30-year fixed rate of 6.75% (California: 6.625%).
Loans in CA
443
of 462 applications
Denial rate
3.8%
Purchase · CA 8.9%
Rate spread
+0.29 pts
Conv. · CA +0.09 pts
Loan amount
$425,000
Purchase · CA $575,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 418 | 402 | 3.8% | 6.750% | +0.29 pts | $7,380 | $425,000 |
| Refinance | 43 | 40 | 7.0% | 6.375% | +0.04 pts | $5,800 | $415,000 |
| Cash-out refinance | 1 | 1 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
California counties where Scenic Oaks Funding, LLC ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Stanislaus County | 5 | 171 | 3.6% |
| Merced County | 19 | 25 | 1.1% |
| Tuolumne County | 19 | 6 | 1.1% |
| Yolo County | 21 | 18 | 1.1% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology