Applications / Mortgage Analytics / Lenders / California / EZ Fundings
Rancho Cucamonga, CA · Independent non-bank lender · CFPB · 401 loans in 2025
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401
loans originated, 2025
517
applications, 2025
11
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
EZ Fundings, an independent non-bank lender in Rancho Cucamonga, California, makes home-purchase loans, many of them insured by the Federal Housing Administration, and lends far more in majority-minority neighborhoods than similar lenders do.
Purchases made up 84.5% of its loans. The Federal Housing Administration (FHA) insured 39.7% of them, against 17.8% at similar lenders (independent non-bank lenders making between half and twice as many loans). Its typical loan, $515,000, is larger than at nearly nine in ten similar lenders, where it is $335,000.
Three-quarters of its loans, 76.1%, were in majority-minority neighborhoods, against 25.1% at similar lenders. It also lent more in poorer neighborhoods (low- and moderate-income, or LMI, tracts): 25.1% of its loans, against 17.5%. Both shares are higher than at more than four in five similar lenders.
It first reported in 2021, with 554 loans. Lending fell to 312 the next year and has risen each year since, to 401 in 2025. Its 6% growth in 2025 was ahead of the 2% at similar lenders but behind the 10% for the whole market. Its biggest market is Riverside-San Bernardino-Ontario, where it ranks 65 of 707 lenders with a steady 0.3% share.
It turned down 0.3% of first-lien home-purchase applications on owner-occupied homes, against 2.9% at similar lenders. That is lower than at nearly nine in ten of them.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2021–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. EZ Fundings took 517 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 84.5% · Refinance 15.5%
Conventional 58.9% · FHA 39.7% · VA 1.5% · of 401 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| California | 363 | 90.5% |
| Michigan | 16 | 4.0% |
| Texas | 9 | 2.2% |
| Florida | 5 | 1.2% |
| Kentucky | 2 | 0.5% |
| Arkansas | 1 | 0.2% |
| Colorado | 1 | 0.2% |
| Indiana | 1 | 0.2% |
| South Carolina | 1 | 0.2% |
| Tennessee | 1 | 0.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Riverside-San Bernardino-Ontario | 206 |
| Los Angeles-Long Beach-Glendale | 107 |
| San Diego-Chula Vista-Carlsbad | 17 |
| Warren-Troy-Farmington Hills | 14 |
| Bakersfield-Delano | 10 |
| Anaheim-Santa Ana-Irvine | 9 |
| Austin-Round Rock-San Marcos | 5 |
| Oxnard-Thousand Oaks-Ventura | 5 |
| Sacramento-Roseville-Folsom | 3 |
| Fort Lauderdale-Pompano Beach-Sunrise | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930098QK48NVYBZC62 | 2021–2025 |
Established 25 October 2011. Reported under HMDA 2021-2025.
Mergers, name changes, data editions and corrections: EZ Fundings's data.
EZ Fundings's data
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