Ony Glo Mortgage Rates, Fees & Info
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Tax ID: 27-0267182
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Mortgage Data
Review & Overview
Ony Glo is a smaller mortgage company specializing in Home Purchase and Refi loans. Ony Glo has a high proportion of conventional loans. They have an average proportion of FHA loans. Their top markets by origination volume include: Los Angeles, Riverside, San Francisco, Las Vegas, and San Jose among others. We have data for 92 markets. (Some data included below & more in-depth data is available with an active subscription.)Ony Glo has a below average approval rate when compared to the average across all lenders. They have an above average pick rate when compared to similar lenders. Ony Glo is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 7.01% | 5/11/25 |
| 30 Year Conventional Purchase | 6.77% | 5/11/25 |
| 30 Year Conventional Refi | 8.02% | 5/11/25 |
| 30 Year Cash-out Refi | 6.72% | 5/11/25 |
| 30 Year FHA Purchase | 7.20% | 5/11/25 |
| 30 Year FHA Refi | 7.01% | 5/11/25 |
| 30 Year VA Purchase | 6.33% | 5/11/25 |
| 30 Year VA Refi | 6.08% | 5/11/25 |
| 15 Year Conventional Purchase | 6.00% | 5/11/25 |
| 15 Year Conventional Refi | 6.39% | 5/11/25 |
| 15 Year Cash-out Refi | 6.39% | 5/11/25 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Ony Glo Mortgage Calculator
Your Estimates
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This is not an official calculator from Ony Glo. It uses our SimulatedRate™
technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.
The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
751Origination Dollar Volume (All Markets)
$410,795,000Awards
ONY GLO - 2024
ONY GLO is a 2024 , due to their low .
For 2024, less than of lenders were eligible for this award.
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Relative Rate
Ony Glo's average 30 year fixed mortgage rate was
6.91%.
The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.
This yields a difference of 0.36%.
Relative Fees (Closing Costs)
Ony Glo's average total fees/closing costs for a 30 year fixed rate
mortgage were $9,678.
The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including
both points & up-front fees in addition to origination fees) were $8,356.
Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 243 | $170,375,000 | $701,132 | $10,467 | 7.05% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 153 | $72,395,000 | $473,170 | $11,396 | 6.75% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 30 | $22,830,000 | $761,000 | $7,695 | 6.75% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 33 | $16,265,000 | $492,879 | $9,771 | 7.40% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 21 | $15,405,000 | $733,571 | $4,691 | 7.32% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 24 | $12,970,000 | $540,417 | $8,267 | 7.09% |
| TUCSON, AZ (FHA|USDA|VA) | 21 | $8,905,000 | $424,048 | $6,898 | 6.41% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 9 | $5,175,000 | $575,000 | $9,777 | 7.14% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 7 | $4,585,000 | $655,000 | $8,468 | 7.09% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 12 | $3,860,000 | $321,667 | $5,623 | 7.10% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 5 | $3,705,000 | $741,000 | $8,676 | 6.85% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 10 | $3,510,000 | $351,000 | $5,704 | 6.91% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 8 | $3,330,000 | $416,250 | $8,713 | 8.17% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 8 | $3,180,000 | $397,500 | $8,041 | 6.69% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 3 | $3,025,000 | $1,008,333 | $23,540 | 7.13% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 8 | $2,810,000 | $351,250 | $10,178 | 7.44% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 6 | $2,670,000 | $445,000 | $10,991 | 7.08% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 3 | $2,155,000 | $718,333 | $26,829 | 9.08% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 3 | $2,115,000 | $705,000 | $4,363 | 6.42% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 6 | $2,080,000 | $346,667 | $6,870 | 6.66% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 3 | $2,065,000 | $688,333 | $6,105 | 6.42% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 6 | $2,060,000 | $343,333 | $10,663 | 6.89% |
| SALINAS, CA (FHA|USDA|VA) | 3 | $1,855,000 | $618,333 | $5,959 | 7.04% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 8 | $1,740,000 | $217,500 | $9,137 | 6.78% |
| BOISE CITY, ID (FHA|USDA|VA) | 2 | $1,590,000 | $795,000 | $25,138 | 6.69% |
| NAPA, CA (FHA|USDA|VA) | 1 | $1,525,000 | $1,525,000 | $4,729 | 5.88% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 5 | $1,445,000 | $289,000 | $5,628 | 6.95% |
| VALLEJO, CA (FHA|USDA|VA) | 4 | $1,390,000 | $347,500 | $8,842 | 5.16% |
| RICHMOND, VA (FHA|USDA|VA) | 3 | $1,355,000 | $451,667 | $10,233 | 6.92% |
| YAKIMA, WA (FHA|USDA|VA) | 3 | $1,335,000 | $445,000 | $3,228 | 6.37% |
| STOCKTON, CA (FHA|USDA|VA) | 2 | $1,300,000 | $650,000 | $4,930 | 6.50% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 3 | $1,265,000 | $421,667 | $6,108 | 8.08% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 2 | $1,260,000 | $630,000 | $4,138 | 6.18% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 2 | $1,150,000 | $575,000 | $5,471 | 7.50% |
| MODESTO, CA (FHA|USDA|VA) | 3 | $1,015,000 | $338,333 | $8,086 | 7.04% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 3 | $1,005,000 | $335,000 | $4,998 | 8.04% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 3 | $975,000 | $325,000 | $2,560 | 9.75% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 3 | $975,000 | $325,000 | $9,022 | 7.50% |
| SALEM, OR (FHA|USDA|VA) | 3 | $955,000 | $318,333 | $3,532 | 6.41% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 2 | $940,000 | $470,000 | $10,065 | 7.18% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 2 | $890,000 | $445,000 | $11,230 | 6.88% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 2 | $880,000 | $440,000 | $8,101 | 6.06% |
| FRESNO, CA (FHA|USDA|VA) | 2 | $860,000 | $430,000 | $9,902 | 6.75% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 2 | $860,000 | $430,000 | $8,053 | 6.31% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 3 | $815,000 | $271,667 | $5,699 | 6.96% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 2 | $810,000 | $405,000 | $1,644 | 7.31% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 5 | $785,000 | $157,000 | $5,791 | 8.20% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 2 | $770,000 | $385,000 | $0 | 8.19% |
| CARSON CITY, NV (FHA|USDA|VA) | 2 | $760,000 | $380,000 | $3,634 | 6.38% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 3 | $755,000 | $251,667 | $11,034 | 7.96% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 1 | $705,000 | $705,000 | $4,517 | 6.12% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $19,904 | 6.31% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 1 | $585,000 | $585,000 | $0 | 10.00% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $15,793 | 5.75% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $0 | 9.38% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $4,814 | 6.50% |
| Breckenridge, CO (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $4,775 | 6.12% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $5,408 | 8.00% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $0 | 9.75% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $3,797 | 9.06% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $9,875 | 5.25% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $0 | 9.38% |
| Stillwater, OK (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $17,006 | 6.75% |
| Ukiah, CA (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $5,207 | 7.50% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $4,012 | 6.50% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $11,010 | 5.50% |
| Outside of Metro Areas | 2 | $400,000 | $200,000 | $3,601 | 7.88% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $12,692 | 7.62% |
| LEWISTON, ID-WA (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $3,123 | 6.99% |
| Coos Bay, OR (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $3,889 | 6.38% |
| Sandpoint, ID (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $7,887 | 6.12% |
| YUBA CITY, CA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $14,889 | 6.13% |
| VISALIA, CA (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $7,312 | 3.75% |
| Cullowhee, NC (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $16,589 | 8.00% |
| Cookeville, TN (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $0 | 8.50% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $4,762 | 6.49% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $6,238 | 8.13% |
| Hilo, HI (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $0 | 6.63% |
| COLUMBUS, OH (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $9,455 | 7.62% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $5,255 | 6.25% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $8,135 | 8.63% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $8,117 | 7.63% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 7.38% |
| FLORENCE, SC (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $4,004 | 7.75% |
| SPARTANBURG, SC (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $6,147 | 7.62% |
| Wilson, NC (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $4,316 | 8.88% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 9.00% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,227 | 6.99% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,012 | 6.38% |
| ALTOONA, PA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $5,604 | 6.88% |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 9.99% |
| Pahrump, NV (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $2,573 | 6.38% |
Similar Lenders
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Product Mix
For 2024, Ony Glo's most frequently originated type of loan was Conventional, with 618 originations. Their 2nd most popular type was FHA, with 89 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Home Purchase | 552 | $317,250,000 | $574,728 | $10,116 | 6.75% |
| Refi | 199 | $93,545,000 | $470,075 | $7,378 | 7.74% |
For 2024, Ony Glo's most frequently cited loan purpose was Home Purchase, with 552 originations. The 2nd most popular reason was Refi, with 199 originations.
Loan Duration/Length
For 2024, Ony Glo's most frequently cited loan duration was 30 Year, with 715 originations. The 2nd most popular length was 20 Year, with 24 originations.
Origination Fees/Closing Costs
Ony Glo's average total fees were $9,678, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 207 originations.
Interest Rates
During 2024, Ony Glo's average interest rate for loans was 6.91%, while their most frequently originated rate bucket for loans was 6-7%, with 340 originations.
Loan Sizing
2024 saw Ony Glo place emphasis on $400k-600k loans with 200 originations, totaling $99,490,000 in origination value.
Applicant Income
Ony Glo lent most frequently to those with incomes in the $150k-250k range, with 245 originations. The second most popular income band? $250k+, with 192 originations.
Applicant Debt to Income Ratio
Ony Glo lent most frequently to those with DTI ratios of 30-36%, with 94 originations. The next most common DTI ratio? 49%, with 70 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications68.71%
Ony Glo has a low approval rate. They may have poor market targeting or stringent lending standards.
Pick Rate
Approvals leading to origination96.67%
Ony Glo has an exceptionally high pick rate. They most likely have borrower friendly terms or other characteristics like being fast to close or are easy to work with.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 751 | $410,795,000 | $546,997 |