Ony Glo Mortgage Rates, Fees & Info

SANTA ANA, CA

LEI: 549300R4F5COFJE0DN81

Tax ID: 27-0267182

5 stars - out of 5 stars, based on 87 reviews

2020 Data | 2019 Data | 2018 Data


Overview

Ony Glo is a mid-sized mortgage company specializing in Refi loans. Ony Glo has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets include Los Angeles, Anaheim, Riverside, San Diego, and Oakland among others. They have an above average approval rate for mortages when compared nationally -- and they have a below average pick rate when compared to the same sample of other lendors. Ony Glo is typically an average fee lendor.


Originations

7,596

Origination Dollar Volume (All Markets)

$3,133,270,000
Show all (60) awards

Relative Rate

Ony Glo 's average 30 year fixed rate mortgage of loans were 3%.

The 2020 average 30 year fixed rate mortgage across all markets of loans were 3.36%.

This yields a difference of -0.36%.

Relative Fees

Ony Glo 's average total fees for a 30 year fixed rate mortgage are $3,613.

The average total origination fees for 30 year fixed rate mortgages (for all loan values, including both points & up-front fees in addition to origination fees) are $5,021.

Top Markets

Market Originations Total Value Average Loan Average Fees Average Rate
LOS ANGELES-LONG BEACH-GLENDALE, CA (FHA|USDA|VA) 1,973 $834,885,000 $423,155 $3,839 2.95%
ANAHEIM-SANTA ANA-IRVINE, CA (FHA|USDA|VA) 1,137 $518,165,000 $455,730 $3,441 2.92%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 802 $276,910,000 $345,274 $4,320 2.92%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 643 $273,225,000 $424,922 $2,899 2.89%
OAKLAND-BERKELEY-LIVERMORE, CA (FHA|USDA|VA) 466 $211,630,000 $454,142 $2,992 2.94%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 226 $108,410,000 $479,690 $2,981 2.84%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 254 $95,530,000 $376,102 $2,787 2.87%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 206 $76,820,000 $372,913 $2,615 2.72%
WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV (FHA|USDA|VA) 170 $73,930,000 $434,882 $2,818 2.81%
SEATTLE-BELLEVUE-KENT, WA (FHA|USDA|VA) 144 $68,070,000 $472,708 $2,909 2.81%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 170 $59,050,000 $347,353 $2,825 2.80%
SAN FRANCISCO-SAN MATEO-REDWOOD CITY, CA (FHA|USDA|VA) 104 $52,660,000 $506,346 $2,826 2.80%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 87 $39,455,000 $453,506 $3,135 2.80%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 87 $34,425,000 $395,690 $2,952 2.89%
FREDERICK-GAITHERSBURG-ROCKVILLE, MD (FHA|USDA|VA) 75 $31,955,000 $426,067 $3,104 2.71%
SALINAS, CA (FHA|USDA|VA) 78 $29,830,000 $382,436 $6,084 2.99%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 91 $26,755,000 $294,011 $3,046 3.12%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 64 $24,370,000 $380,781 $3,011 2.74%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 66 $24,370,000 $369,242 $3,432 2.95%
Outside of Metro Areas 48 $17,030,000 $354,792 $3,495 2.92%
STOCKTON, CA (FHA|USDA|VA) 40 $15,190,000 $379,750 $2,914 2.90%
DALLAS-PLANO-IRVING, TX (FHA|USDA|VA) 43 $14,735,000 $342,674 $3,862 2.82%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 40 $13,340,000 $333,500 $2,677 2.62%
NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 32 $12,550,000 $392,188 $2,810 2.99%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 30 $10,840,000 $361,333 $3,176 2.91%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 24 $10,780,000 $449,167 $3,033 2.97%
SAN RAFAEL, CA (FHA|USDA|VA) 19 $9,745,000 $512,895 $3,250 2.89%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 21 $9,345,000 $445,000 $3,152 2.83%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 21 $8,975,000 $427,381 $4,294 2.92%
RICHMOND, VA (FHA|USDA|VA) 23 $8,435,000 $366,739 $2,924 2.78%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 22 $7,430,000 $337,727 $3,921 2.64%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 20 $7,050,000 $352,500 $3,751 2.81%
VALLEJO, CA (FHA|USDA|VA) 15 $6,235,000 $415,667 $3,273 3.00%
FORT WORTH-ARLINGTON-GRAPEVINE, TX (FHA|USDA|VA) 20 $5,910,000 $295,500 $3,692 2.72%
MODESTO, CA (FHA|USDA|VA) 16 $5,340,000 $333,750 $2,955 2.97%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 12 $5,190,000 $432,500 $2,791 2.86%
BAKERSFIELD, CA (FHA|USDA|VA) 20 $5,070,000 $253,500 $4,560 3.20%
NAPA, CA (FHA|USDA|VA) 11 $4,525,000 $411,364 $2,637 2.89%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 13 $4,505,000 $346,538 $2,961 2.97%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 13 $4,175,000 $321,154 $4,415 3.12%
NEWARK, NJ-PA (FHA|USDA|VA) 10 $3,990,000 $399,000 $3,406 2.68%
BOULDER, CO (FHA|USDA|VA) 9 $3,875,000 $430,556 $3,092 2.79%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 12 $3,860,000 $321,667 $2,618 2.66%
RENO, NV (FHA|USDA|VA) 11 $3,665,000 $333,182 $2,959 3.10%
FRESNO, CA (FHA|USDA|VA) 12 $3,640,000 $303,333 $3,434 2.98%
MONTGOMERY COUNTY-BUCKS COUNTY-CHESTER COUNTY, PA (FHA|USDA|VA) 10 $3,580,000 $358,000 $4,651 2.69%
NEW BRUNSWICK-LAKEWOOD, NJ (FHA|USDA|VA) 7 $2,935,000 $419,286 $3,306 2.75%
TUCSON, AZ (FHA|USDA|VA) 10 $2,900,000 $290,000 $2,646 2.87%
FORT COLLINS, CO (FHA|USDA|VA) 7 $2,775,000 $396,429 $2,667 2.75%
RALEIGH-CARY, NC (FHA|USDA|VA) 7 $2,565,000 $366,429 $3,160 2.77%
BEND, OR (FHA|USDA|VA) 7 $2,395,000 $342,143 $3,635 2.79%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 6 $2,290,000 $381,667 $3,100 2.92%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 5 $1,945,000 $389,000 $2,600 2.88%
TACOMA-LAKEWOOD, WA (FHA|USDA|VA) 5 $1,935,000 $387,000 $2,600 2.70%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 6 $1,790,000 $298,333 $4,448 3.02%
Outside of Metro Areas 4 $1,750,000 $437,500 $4,141 3.41%
WEST PALM BEACH-BOCA RATON-BOYNTON BEACH, FL (FHA|USDA|VA) 4 $1,740,000 $435,000 $3,244 2.75%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 5 $1,735,000 $347,000 $5,523 3.42%
PHILADELPHIA, PA (FHA|USDA|VA) 5 $1,735,000 $347,000 $4,508 2.95%
NEW YORK-JERSEY CITY-WHITE PLAINS, NY-NJ (FHA|USDA|VA) 5 $1,705,000 $341,000 $3,165 2.80%
VISALIA, CA (FHA|USDA|VA) 6 $1,640,000 $273,333 $3,734 3.06%
FORT LAUDERDALE-POMPANO BEACH-SUNRISE, FL (FHA|USDA|VA) 4 $1,610,000 $402,500 $3,109 2.28%
JACKSONVILLE, FL (FHA|USDA|VA) 4 $1,570,000 $392,500 $3,626 2.31%
MEDFORD, OR (FHA|USDA|VA) 4 $1,460,000 $365,000 $4,754 3.19%
GREELEY, CO (FHA|USDA|VA) 4 $1,440,000 $360,000 $2,505 2.94%
PITTSBURGH, PA (FHA|USDA|VA) 3 $1,185,000 $395,000 $5,475 2.67%
COLORADO SPRINGS, CO (FHA|USDA|VA) 3 $985,000 $328,333 $2,917 3.00%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 3 $975,000 $325,000 $4,482 3.21%
HANFORD-CORCORAN, CA (FHA|USDA|VA) 3 $965,000 $321,667 $2,510 2.54%
KNOXVILLE, TN (FHA|USDA|VA) 2 $960,000 $480,000 $3,640 3.00%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 2 $940,000 $470,000 $2,789 3.13%
LONGVIEW, WA (FHA|USDA|VA) 2 $860,000 $430,000 $2,655 2.94%
NORTH PORT-SARASOTA-BRADENTON, FL (FHA|USDA|VA) 3 $855,000 $285,000 $3,329 2.58%
BELLINGHAM, WA (FHA|USDA|VA) 2 $820,000 $410,000 $2,620 3.38%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 2 $810,000 $405,000 $3,613 2.44%
CHICO, CA (FHA|USDA|VA) 2 $780,000 $390,000 $2,992 3.06%
SAN ANGELO, TX (FHA|USDA|VA) 3 $765,000 $255,000 $2,819 2.79%
YAKIMA, WA (FHA|USDA|VA) 2 $740,000 $370,000 $2,580 2.63%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 2 $730,000 $365,000 $3,088 2.75%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 2 $720,000 $360,000 $4,820 3.13%
SALEM, OR (FHA|USDA|VA) 3 $665,000 $221,667 $4,674 3.38%
YUBA CITY, CA (FHA|USDA|VA) 3 $655,000 $218,333 $2,993 3.12%
WINCHESTER, VA-WV (FHA|USDA|VA) 2 $640,000 $320,000 $2,407 2.81%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 2 $600,000 $300,000 $3,351 2.69%
EL CENTRO, CA (FHA|USDA|VA) 2 $530,000 $265,000 $2,881 3.19%
ROANOKE, VA (FHA|USDA|VA) 1 $515,000 $515,000 $2,579 2.25%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 1 $505,000 $505,000 $2,545 2.88%
MADERA, CA (FHA|USDA|VA) 2 $490,000 $245,000 $3,296 3.69%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 1 $455,000 $455,000 $4,004 2.25%
WARREN-TROY-FARMINGTON HILLS, MI (FHA|USDA|VA) 2 $450,000 $225,000 $2,244 2.94%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 1 $445,000 $445,000 $6,569 3.00%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $425,000 $425,000 $2,674 2.50%
REDDING, CA (FHA|USDA|VA) 1 $415,000 $415,000 $2,414 3.25%
GRAND JUNCTION, CO (FHA|USDA|VA) 1 $415,000 $415,000 $2,600 2.13%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 2 $410,000 $205,000 $3,005 3.00%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 1 $405,000 $405,000 $2,620 2.63%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 2 $370,000 $185,000 $1,469 2.94%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 1 $345,000 $345,000 $2,951 2.50%
COLUMBUS, OH (FHA|USDA|VA) 1 $335,000 $335,000 $3,215 2.63%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $335,000 $335,000 $2,513 2.75%
PANAMA CITY, FL (FHA|USDA|VA) 1 $325,000 $325,000 $3,788 2.75%
SALISBURY, MD-DE (FHA|USDA|VA) 1 $315,000 $315,000 $2,571 3.25%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 1 $295,000 $295,000 $2,688 2.88%
MORRISTOWN, TN (FHA|USDA|VA) 1 $285,000 $285,000 $3,974 2.88%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 1 $275,000 $275,000 $2,967 2.88%
PORT ST. LUCIE, FL (FHA|USDA|VA) 1 $255,000 $255,000 $4,508 3.50%
STATE COLLEGE, PA (FHA|USDA|VA) 1 $255,000 $255,000 $3,454 2.50%
ALBANY-LEBANON, OR (FHA|USDA|VA) 1 $245,000 $245,000 $3,415 3.25%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 1 $235,000 $235,000 $2,868 2.88%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 1 $215,000 $215,000 $3,876 2.38%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 1 $215,000 $215,000 $3,340 3.38%
LONGVIEW, TX (FHA|USDA|VA) 1 $195,000 $195,000 $4,349 2.75%
WACO, TX (FHA|USDA|VA) 1 $185,000 $185,000 $3,237 3.00%
OCALA, FL (FHA|USDA|VA) 1 $115,000 $115,000 $3,063 3.63%

Ony Glo 's top markets include Los Angeles, Anaheim, Riverside, San Diego, and Oakland among others.

Product Mix

Loan Type Originations Total Value Average Loan Average Fees Average Rate
Conventional 7,406 $3,053,540,000 $412,306 $3,293 2.90%
FHA 99 $39,165,000 $395,606 $13,544 3.20%
VA 91 $40,565,000 $445,769 $5,696 2.83%

For the 2020 period, Ony Glo 's most frequently originated loan type of loans were Conventional, with 7,406 originations. Their 2nd most popular type is FHA, with 99 originations.

Loan Reason

Loan Reason Originations Total Value Average Loan Average Fees Average Rate
Refi 6,523 $2,673,145,000 $409,803 $3,092 2.87%
Home Purchase 691 $302,215,000 $437,359 $6,722 2.99%
Cash Out Refi 382 $157,910,000 $413,377 $3,822 3.30%

For the 2020, Ony Glo 's most frequently cited loan purpose of loans were Refi, with 6,523 originations. The 2nd most popular reason of loans were Home Purchase, with 691 originations.

Loan Duration/Length

Loan Length Originations Total Value Average Loan Average Fees Average Rate
30 Year 5,800 $2,474,750,000 $426,681 $3,613 3.00%
15 Year 1,363 $493,965,000 $362,410 $2,960 2.53%
20 Year 308 $117,290,000 $380,812 $2,965 2.87%
Other 79 $31,635,000 $400,443 $2,768 2.88%
10 Year 46 $15,630,000 $339,783 $2,678 2.38%

For the 2020, Ony Glo 's most frequently cited loan length of loans were 30 Year, with 5,800 originations. The 2nd most popular length of loans were 15 Year, with 1,363 originations.

Origination Fees

Origination Fee Originations Total Value Average Loan
$1k-2k 5,499 $2,288,165,000 $416,106
$2k-3k 1,561 $634,885,000 $406,717
$3k-4k 227 $92,805,000 $408,833
$5k+ 226 $101,760,000 $450,265
$<1k 59 $5,785,000 $98,051

$3,613 of loans were Ony Glo 's average total fees, while their most frequently occuring range of origination fees were in the $1k-2k bucket, with 5,499 originations.

Interest Rates

Loan Rate Originations Total Value Average Loan
2.5-3% 3,386 $1,414,440,000 $417,732
3-4% 2,314 $977,730,000 $422,528
<2.5% 1,773 $687,935,000 $388,006
4-5% 114 $47,230,000 $414,298
5-6% 8 $5,350,000 $668,750

During 2020, Ony Glo 's average interest rate of loans were 3.00%, while their most frequently originated rate bucket of loans were 2.5-3%, with 3,386 originations.

Loan Sizing

Loan Size Originations Total Value Average Loan Average Fees Average Rate
$400k-600k 3,366 $1,602,890,000 $476,200 $3,428 2.89%
$200k-400k 3,258 $1,036,710,000 $318,204 $3,348 2.89%
$600k-1MM 632 $433,350,000 $685,680 $4,427 3.08%
$100k-200k 284 $47,080,000 $165,775 $3,183 3.06%
$100,000 or less 46 $650,000 $14,130 $275 0.89%
$1MM+ 10 $12,590,000 $1,259,000 $6,795 3.96%

2020 saw Ony Glo place emphasis on $400k-600k loans with 3,366 originations, totaling $1,602,890,000 in origination value.

Applicant Income

Applicant Income Originations Total Value Average Loan Average Fees Average Rate
$100k-150k 2,712 $1,108,790,000 $408,846 $3,416 2.88%
$150k-250k 2,357 $1,071,475,000 $454,593 $3,278 2.89%
$75k-100k 1,109 $406,225,000 $366,298 $3,601 2.91%
$250k+ 642 $313,190,000 $487,835 $3,450 2.95%
$50k-75k 583 $175,705,000 $301,381 $3,758 2.95%
$50k or less 191 $57,155,000 $299,241 $4,434 2.96%

Ony Glo lent most frequently to those with incomes in the $100k-150k range, with 2,712 originations. The second most popular income band? $150k-250k, with 2,357 originations.

Applicant Debt to Income Ratio

DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
20-30% 1,991 $815,625,000 $409,656 $3,053 2.82%
30-36% 1,526 $635,100,000 $416,186 $3,298 2.88%
<20% 561 $214,845,000 $382,968 $2,887 2.80%
38% 310 $129,910,000 $419,065 $3,645 2.94%
42% 294 $122,870,000 $417,925 $3,961 2.97%
40% 284 $124,550,000 $438,556 $3,703 3.01%
43% 264 $111,180,000 $421,136 $3,704 2.99%
44% 260 $108,140,000 $415,923 $3,837 2.99%
36% 260 $106,820,000 $410,846 $3,381 2.88%
39% 255 $106,115,000 $416,137 $3,363 2.95%
37% 247 $105,915,000 $428,806 $3,504 2.84%
41% 231 $96,915,000 $419,545 $3,678 2.95%
45% 219 $89,505,000 $408,699 $3,623 3.03%
49% 199 $80,775,000 $405,905 $4,018 3.09%
46% 190 $77,460,000 $407,684 $3,940 3.05%
47% 186 $77,130,000 $414,677 $4,059 2.96%
48% 175 $70,655,000 $403,743 $3,804 3.01%
50-60% 71 $28,175,000 $396,831 $8,694 3.12%
>60% 20 $9,070,000 $453,500 $3,824 2.97%

Ony Glo lent most frequently to those with DTI ratios of 20-30%, with 1,991 originations. The next most common DTI ratio? 30-36%, with 1,526 originations.

Ethnicity Mix

Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
Asian 3,715 $1,538,045,000 $414,009 $3,338 2.89%
White 2,397 $994,975,000 $415,092 $3,564 2.95%
Not provided 1,218 $490,880,000 $403,021 $3,680 2.85%
Asian Indian 134 $54,900,000 $409,701 $2,754 2.78%
Black 61 $24,865,000 $407,623 $3,480 3.00%
Other Asian 15 $6,815,000 $454,333 $3,202 2.86%
Native Hawaiian 14 $5,410,000 $386,429 $3,103 2.89%
Filipino 11 $4,335,000 $394,091 $2,558 2.84%
Chinese 9 $4,075,000 $452,778 $2,715 2.72%
American Indian 10 $3,900,000 $390,000 $5,328 2.79%
Korean 7 $3,115,000 $445,000 $3,805 2.75%
Vietnamese 4 $1,540,000 $385,000 $2,565 2.95%
Japanese 1 $415,000 $415,000 $4,511 2.75%

Approval Rates

Total approvals of all applications
99.13%

Ony Glo has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

Pick Rate

Approvals leading to origination
79.96%

Ony Glo has a below average pick rate.

Points and Fees

Points Originations Total Value Average Loan
NA 7,596 $3,133,270,000 $412,489

Occupancy Type Mix

Dwelling Type Originations Total Value Average Loan
Single Family (1-4 Units):Manufactured 2 $710,000 $355,000
Single Family (1-4 Units):Site-Built 7,594 $3,132,560,000 $412,505

LTV Distribution

Loan to Value Originations Total Value Average Loan Average Fees Average Rate
20-40% 708 $225,250,000 $318,150 $3,169 2.78%
40-60% 2,524 $1,008,880,000 $399,715 $3,103 2.83%
60-80% 3,472 $1,526,160,000 $439,562 $3,347 2.97%
80-100% 812 $360,840,000 $444,384 $5,315 3.05%
Over 100% 5 $2,415,000 $483,000 $19,089 2.85%
Under 20% 75 $9,725,000 $129,667 $1,622 1.64%