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Ez Fundings

Independent Mortgage Company•Rancho Cucamonga, CAHQ•Direct•Reviews near you on Google

Ez Fundings has 356 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Mediocre
1/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · Jumbo
Place
Sound
3/5
Regional · 5 mkts
Safe Rate Awards
FHA Superstar
FHA
Superstar

Safe Rate Summary

What They Do Well

  • Strong pull through performance

Things to Think About

  • Pricing may be below industry average
  • Higher than average fees ($4,492)

Explore another lender or local market

Report Card

Ez Fundings performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+42.8 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
FHA
Strong
Top 40% of lenders
VA
Sound
Top 60% of lenders
Jumbo
Sound
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Regional · 5 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Acceptable
Product
Sound
Pricing
Mediocre
Pull Through
Sound
Volume195
Mix54.8%
Spread
+0.499%Above
Fees
$4,767Fees
FHA Loans
Overall
Sound
Product
Strong
Pricing
Acceptable
Pull Through
Strong
Volume139
Mix39.0%
Spread
+0.397%Above
Fees
$4,167Fees
VA Loans
Overall
Sound
Product
Sound
Pricing—
Pull Through—
Volume12
Mix3.4%
Spread
-0.278%Below
Fees
$4,838Fees
Jumbo Loans
Overall
Sound
Product
Sound
Pricing—
Pull Through—
Volume10
Mix2.8%
Spread
+1.019%Above
Fees
$5,265Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Sound
Pricing
Mediocre
Pull Through
Sound
Volume306
Mix86.0%
Spread
+0.443%Above
Fees
$4,627Fees
Refinance
Overall
Sound
Product
Sound
Pricing
Acceptable
Pull Through
Sound
Volume50
Mix14.0%
Spread
+0.341%Above
Fees
$3,715Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
356
Applications
466
Volume
$190 million
Pricing & Closing
Avg Rate Spread
+0.428%
vs. market APOR
Avg Net Fees
$4,492
Origination − Credits
Pullthrough Rate
76.4%
Applications → Closed
Typical Borrower
Avg Loan Amount
$536,124
Avg Borrower Income
$232,135
Avg Property Value
$689,045

Geographic Coverage

Geographic Performance

Metro Areas
5
markets with activity
States Served
5
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

5
5 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Midwest2
MIOH
South2
FLTX
West1
CA

Top Metro Areas by Place Specialization Score

1© Johnwayne Stroud · CC BY-SA 3.0
Riverside, CAMetro
Volume 196Mix 55.06% of portfolio
77/100
Strong
2© Eric Polk · CC BY-SA 4.0
Los Angeles, CAMetro
Volume 86Mix 24.16% of portfolio
68/100
Strong
3© Bernard Gagnon · CC BY-SA 3.0
San Diego, CAMetro
Volume 12Mix 3.37% of portfolio
44/100
Sound
4© Quintin Soloviev · CC BY 4.0
Sacramento, CAMetro
Volume 11Mix 3.09% of portfolio
43/100
Sound
5© André Regius · CC BY-SA 3.0
Anaheim, CAMetro
Volume 10Mix 2.81% of portfolio
42/100
Sound

Top States by Place Specialization Score

California
California
1
CaliforniaState
Volume 340Mix 95.51% of portfolio
74/100
Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.