Ez Fundings
Ez Fundings has 356 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.
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
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
FHA
Superstar
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
1/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
195 loans · 0.50% above market
Sound
Top 60% of lenders
3/5
FHA
139 loans · 0.40% above market
Strong
Top 40% of lenders
4/5
VA
12 loans · 0.28% below market
Sound
Top 60% of lenders
3/5
Jumbo
10 loans · 1.02% above market
Sound
Top 60% of lenders
3/5
By Loan Purpose· Transaction purpose mix
Purchase
306 loans · 0.44% above market
Sound
Top 60% of lenders
3/5
Refinance
50 loans · 0.34% above market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Regional · 5 markets
Sound
Top 60% of lenders
3/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 195 | 54.8% | +0.499%Above | $4,767Fees | ||||
FHA Loans | 139 | 39.0% | +0.397%Above | $4,167Fees | ||||
VA Loans | — | — | 12 | 3.4% | -0.278%Below | $4,838Fees | ||
Jumbo Loans | — | — | 10 | 2.8% | +1.019%Above | $5,265Fees |
Conventional
OverallAcceptable
ProductSound
PricingMediocre
Pull ThroughSound
Volume195
Mix54.8%
Spread
+0.499%Above
Fees
$4,767Fees
FHA Loans
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume139
Mix39.0%
Spread
+0.397%Above
Fees
$4,167Fees
VA Loans
OverallSound
ProductSound
Pricing—
Pull Through—
Volume12
Mix3.4%
Spread
-0.278%Below
Fees
$4,838Fees
Jumbo Loans
OverallSound
ProductSound
Pricing—
Pull Through—
Volume10
Mix2.8%
Spread
+1.019%Above
Fees
$5,265Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 306 | 86.0% | +0.443%Above | $4,627Fees | ||||
Refinance | 50 | 14.0% | +0.341%Above | $3,715Fees |
Purchase
OverallSound
ProductSound
PricingMediocre
Pull ThroughSound
Volume306
Mix86.0%
Spread
+0.443%Above
Fees
$4,627Fees
Refinance
OverallSound
ProductSound
PricingAcceptable
Pull ThroughSound
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
5Full-year 2024 · HMDALoans originated
All statesNone
Midwest2
MIOH
South2
FLTX
West1
CA
Top Metro Areas by Place Specialization Score
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 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.