Ez Fundings at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B 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%
97th0.3% deniedPricingmedian rate spread over APOR, weight 30%
37th0.38 ptsProcesswithdrawn + incomplete share, weight 15%
15th22.2%Closing coststotal loan costs ÷ loan amount, weight 10%
30th2.47% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 422 | 318 | 0.5% | 0.6% | 6.63% | $164M |
| 2024 | 502 | 380 | 1.0% | 1.3% | 6.50% | $202M |
| 2025 | 517 | 401 | 0.2% | 0.3% | 6.49% | $209M |
What Ez Fundings 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: 0 home-equity lines, 1 reverse mortgages, 11 manufactured homes, 36 investment properties.
Why Ez Fundings denies applications
Primary reason reported for each of the 1 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Ez Fundings
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 88 | 66 | 1.5% |
| $100k – $150k | 162 | 133 | 0.0% |
| $150k – $250k | 182 | 147 | 0.0% |
| Over $250k | 58 | 40 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 164 | 124 | 0.0% |
| 35–44 | 156 | 125 | 0.0% |
| 45–54 | 101 | 76 | 0.0% |
| 55–64 | 52 | 39 | 2.5% |
| 65–74 | 22 | 19 | 0.0% |
Where Ez Fundings lends
11 states and 46 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| California | 468 | 363 | 0.0% | 6.49% | #266 |
| Michigan | 18 | 16 | 0.0% | 6.75% | #453 |
| Texas | 14 | 9 | 0.0% | 6.50% | #908 |
| Florida | 6 | 5 | 16.7% | 6.13% | #1,036 |
Frequently asked questions
Ez Fundings denied 0.3% 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 most common reason Ez Fundings gave in 2025 was "incomplete application", cited on 100.0% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Ez Fundings originated in 2025 was 6.49%, and its median rate spread over the average prime offer rate was 0.38 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 81% of its applications were for home purchases, 19% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 59% conventional, 39% FHA, 2% 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.