# EZ FUNDINGS INC.

> **Canonical URL:** https://saferate.com/lenders/ez-fundings


> **📋 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


EZ FUNDINGS INC. is a independent mortgage company, headquartered in RANCHO CUCAMONGA, CA, serving borrowers across 5 states, with 356 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 81% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 32% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 54930098QK48NVYBZC62
- **Headquarters:** RANCHO CUCAMONGA, CA
- **Geographic Reach:** Regional
- **States Served:** 5
- **State List:** CA, FL, MI, OH, TX
- **Markets (MSAs):** 5
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 19/100
- Rating: ●○○○○ (1/5)

### Pull Through: Strong 😀
- Score: 68/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.428%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $4,492
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 356
- **Dollar Volume:** $191 million
- **Applications Received:** 466
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $536,124
- **Average Borrower Income:** $232,135
- **Average Property Value:** $689,045

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 42/100 | 195 | +0.499% | $4,767 | Sound ☺️ |
| FHA | 66/100 | 139 | +0.397% | $4,167 | Strong 😀 |
| VA | 55/100 | 12 | -0.278% | $4,838 | Sound ☺️ |
| Jumbo | 58/100 | 10 | +1.019% | $5,265 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 161 loans, Score: 42/100 (Sound)
- Refinance: 34 loans, Score: 40/100 (Acceptable)

**FHA:**
- Purchase: 128 loans, Score: 66/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 50/100 | 306 | $163M | +0.443% | Sound ☺️ |
| Refinance | 43/100 | 50 | $28M | +0.341% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CA | 340 | 0.12% | 74/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Riverside | CA | 196 | 77/100 |
| Los Angeles | CA | 86 | 68/100 |
| San Diego | CA | 12 | 44/100 |
| Sacramento | CA | 11 | 43/100 |
| Anaheim | CA | 10 | 42/100 |

## Frequently Asked Questions

### What loan types does EZ FUNDINGS INC. offer?

EZ FUNDINGS INC. 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 EZ FUNDINGS INC. offer mortgages?

EZ FUNDINGS INC. offers mortgages in 5 states: CA, FL, MI, OH, TX.

### How competitive are EZ FUNDINGS INC.'s mortgage rates?

EZ FUNDINGS INC. has a pricing score of 19/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.428% above market average.

### What type of lender is EZ FUNDINGS INC.?

EZ FUNDINGS INC. is a non-depository lender that specializes in mortgage origination, headquartered in RANCHO CUCAMONGA, CA.

### What is EZ FUNDINGS INC.'s loan approval success rate?

EZ FUNDINGS INC. has a pull-through score of 68/100 (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/ez-fundings

### How to Cite

> "EZ FUNDINGS INC. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/ez-fundings

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