# SCENIC OAKS FUNDING, LLC

> **Canonical URL:** https://saferate.com/lenders/scenic-oaks-funding


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


SCENIC OAKS FUNDING, LLC is a independent mortgage company, headquartered in MODESTO, CA, serving borrowers across 7 states, with 846 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 78% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 26% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300WJIJV987NXVC31
- **Headquarters:** MODESTO, CA
- **Geographic Reach:** Multi-Region
- **States Served:** 7
- **State List:** AZ, CA, CO, ID, OR, UT, WA
- **Markets (MSAs):** 11
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 22/100
- Rating: ●●○○○ (2/5)

### Pull Through: Strong 😀
- Score: 74/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.297%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,682
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 846
- **Dollar Volume:** $410 million
- **Applications Received:** 1,112
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $484,586
- **Average Borrower Income:** $179,974
- **Average Property Value:** $672,518

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 69/100 | 645 | +0.293% | $3,512 | Strong 😀 |
| FHA | 70/100 | 128 | +0.512% | $4,916 | Strong 😀 |
| VA | 64/100 | 48 | -0.308% | $4,522 | Strong 😀 |
| Jumbo | 66/100 | 25 | +0.526% | $1,480 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 613 loans, Score: 70/100 (Strong)
- Refinance: 32 loans, Score: 37/100 (Acceptable)

**FHA:**
- Purchase: 127 loans, Score: 70/100 (Strong)

**VA:**
- Purchase: 46 loans, Score: 65/100 (Strong)

**Jumbo:**
- Purchase: 24 loans, Score: 68/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 71/100 | 810 | $394M | +0.302% | Strong 😀 |
| Refinance | 35/100 | 36 | $16M | +0.187% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CA | 381 | 0.13% | 72/100 |
| WA | 324 | 0.38% | 80/100 |
| OR | 123 | 0.29% | 70/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Modesto, CA | CA | 140 | 91/100 |
| Portland | OR-WA | 132 | 72/100 |
| Seattle | WA | 110 | 72/100 |
| Sacramento | CA | 105 | 69/100 |
| Stockton | CA | 54 | 68/100 |
| Everett, WA | WA | 50 | 67/100 |
| Spokane | WA | 34 | 61/100 |
| Tacoma | WA | 34 | 61/100 |
| Non |  | 28 | 31/100 |
| Bremerton | WA | 26 | 60/100 |
| Merced, CA | CA | 21 | 65/100 |

## Where This Lender Ranks

SCENIC OAKS FUNDING, LLC appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#7** in Modesto, CA for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/modesto-ca/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#8** in Modesto, CA Mortgage Companies
  - [View Full Rankings](https://saferate.com/modesto-ca/best-mortgage-lenders/mortgage-companies)
- 🏆 **#8** in Modesto, CA for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/modesto-ca/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#9** in Modesto, CA for FHA Loans
  - [View Full Rankings](https://saferate.com/modesto-ca/best-mortgage-lenders/fha-loans)
- 🏆 **#10** in Modesto, CA
  - [View Full Rankings](https://saferate.com/modesto-ca/best-mortgage-lenders)
- 🏆 **#10** in Modesto, CA for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/modesto-ca/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#11** in Modesto, CA for VA Loans
  - [View Full Rankings](https://saferate.com/modesto-ca/best-mortgage-lenders/va-loans)
- 🏆 **#13** in Modesto, CA for Conventional Loans
  - [View Full Rankings](https://saferate.com/modesto-ca/best-mortgage-lenders/conventional-loans)
- 🏆 **#13** in Merced, CA Mortgage Companies
  - [View Full Rankings](https://saferate.com/merced-ca/best-mortgage-lenders/mortgage-companies)
- 🏆 **#14** in Merced, CA
  - [View Full Rankings](https://saferate.com/merced-ca/best-mortgage-lenders)
- 🏆 **#15** in Bremerton for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/bremerton/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#15** in Merced, CA for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/merced-ca/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#15** in Merced, CA for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/merced-ca/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#16** in Bremerton Mortgage Companies
  - [View Full Rankings](https://saferate.com/bremerton/best-mortgage-lenders/mortgage-companies)
- 🏆 **#16** in Merced, CA for FHA Loans
  - [View Full Rankings](https://saferate.com/merced-ca/best-mortgage-lenders/fha-loans)
- 🏆 **#17** in Spokane Mortgage Companies
  - [View Full Rankings](https://saferate.com/spokane/best-mortgage-lenders/mortgage-companies)
- 🏆 **#18** in Seattle for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/seattle/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🏆 **#18** in Stockton for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/stockton/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#18** in Spokane for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/spokane/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#18** in Merced, CA for Conventional Loans
  - [View Full Rankings](https://saferate.com/merced-ca/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does SCENIC OAKS FUNDING, LLC offer?

SCENIC OAKS FUNDING, LLC offers the following mortgage loan types: FHA, Conventional, VA, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does SCENIC OAKS FUNDING, LLC offer mortgages?

SCENIC OAKS FUNDING, LLC offers mortgages in 7 states: AZ, CA, CO, ID, OR, UT, WA.

### How competitive are SCENIC OAKS FUNDING, LLC's mortgage rates?

SCENIC OAKS FUNDING, LLC has a pricing score of 22/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.297% above market average.

### What type of lender is SCENIC OAKS FUNDING, LLC?

SCENIC OAKS FUNDING, LLC is a non-depository lender that specializes in mortgage origination, headquartered in MODESTO, CA.

### What is SCENIC OAKS FUNDING, LLC's loan approval success rate?

SCENIC OAKS FUNDING, LLC has a pull-through score of 74/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/scenic-oaks-funding

### How to Cite

> "SCENIC OAKS FUNDING, LLC Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/scenic-oaks-funding

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