Azuza LLC dba Z Loans Funding at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
97th0.0% deniedPricingmedian rate spread over APOR, weight 30%
10th1.09 ptsProcesswithdrawn + incomplete share, weight 15%
2nd38.3%Closing coststotal loan costs ÷ loan amount, weight 10%
15th3.24% of loanTrend, 2024–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2024 | 204 | 121 | 1.5% | 2.2% | 7.88% | $72M |
| 2025 | 209 | 114 | 0.0% | 0.0% | 7.49% | $64M |
What Azuza LLC dba Z Loans Funding lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 7 home-equity lines, 0 reverse mortgages, 3 manufactured homes, 0 investment properties.
Who gets approved at Azuza LLC dba Z Loans Funding
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 31 | 12 | 0.0% |
| $100k – $150k | 44 | 22 | 0.0% |
| $150k – $250k | 38 | 23 | 0.0% |
| Over $250k | 62 | 37 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 31 | 15 | 0.0% |
| 35–44 | 79 | 40 | 0.0% |
| 45–54 | 38 | 24 | 0.0% |
| 55–64 | 35 | 22 | 0.0% |
Where Azuza LLC dba Z Loans Funding lends
10 states and 38 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Nevada | 89 | 48 | 0.0% | 7.19% | #153 |
| California | 75 | 37 | 0.0% | 7.49% | #477 |
| New Jersey | 14 | 10 | 0.0% | 7.37% | #500 |
| Florida | 10 | 7 | 0.0% | 6.50% | #914 |
| Georgia | 7 | 2 | 0.0% | 8.56% | #724 |
| North Carolina | 6 | 5 | 0.0% | 8.38% | #705 |
Frequently asked questions
Azuza LLC dba Z Loans Funding denied 0.0% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 97th percentile of small mortgage lenders.
The median interest rate on loans Azuza LLC dba Z Loans Funding originated in 2025 was 7.49%, and its median rate spread over the average prime offer rate was 1.09 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 62% of its applications were for home purchases, 34% for refinancing (including cash-out), and 4% for home improvement or other purposes. By loan type: 77% conventional, 23% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.