Lender in Washington · HMDA 2025
Scenic Oaks Funding, LLC mortgages in Washington
Scenic Oaks Funding, LLC's 2025 home-purchase and refinance lending in Washington, compared with all lenders in the state.
Scenic Oaks Funding, LLC originated 314 owner-occupied single-family loans in Washington from 321 completed applications.
Its median conventional purchase loan costs were $6,350 versus $6,530 for all Washington lenders, at a median 30-year fixed rate of 6.625% (Washington: 6.625%).
Loans in WA
314
of 321 applications
Denial rate
2.5%
Purchase · WA 5.9%
Rate spread
+0.15 pts
Conv. · WA +0.10 pts
Loan amount
$505,000
Purchase · WA $495,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 286 | 279 | 2.5% | 6.625% | +0.15 pts | $6,350 | $505,000 |
| Refinance | 35 | 35 | 0.0% | 6.125% | −0.04 pts | $4,510 | $575,000 |
| Cash-out refinance | 0 | 0 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology