Ony Glo Mortgage Rates, Fees & Info
SANTA ANA, CALEI: 549300R4F5COFJE0DN81
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, San Diego, and Salinas among others. We have data for 66 markets. (Some data included below & more in-depth data is available with an active subscription.)Ony Glo has an above average approval rate when compared to the average across all lenders. They have a below 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 |
|---|---|---|
| 30 Year Conventional Purchase | 6.28% | 4/14/24 |
| 30 Year Conventional Refi | 6.31% | 4/14/24 |
| 30 Year Cash-out Refi | 6.03% | 4/14/24 |
| 30 Year FHA Purchase | 7.37% | 4/14/24 |
| 30 Year FHA Refi | 6.92% | 4/14/24 |
| 30 Year VA Purchase | 6.12% | 4/14/24 |
| 30 Year VA Refi | 6.02% | 4/14/24 |
| 15 Year Conventional Purchase | 5.48% | 4/14/24 |
| 15 Year Conventional Refi | 5.65% | 4/14/24 |
| 15 Year Cash-out Refi | 5.65% | 4/14/24 |
| 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
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
1,732Origination Dollar Volume (All Markets)
$662,590,000Awards
ONY GLO - 2018
ONY GLO is a 2018 , due to their low .
For 2018, less than of lenders were eligible for this award.
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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) | 473 | $223,675,000 | $472,886 | $7,409 | 4.66% |
| Outside of Metro Areas | 266 | $111,460,000 | $419,023 | $6,945 | 4.66% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 328 | $81,860,000 | $249,573 | $6,922 | 4.10% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 93 | $41,235,000 | $443,387 | $4,780 | 4.32% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 89 | $39,185,000 | $440,281 | $5,357 | 4.32% |
| SALINAS, CA (FHA|USDA|VA) | 63 | $18,495,000 | $293,571 | $8,683 | 3.99% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 57 | $18,155,000 | $318,509 | $4,511 | 4.62% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 33 | $15,475,000 | $468,939 | $4,241 | 4.14% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 35 | $13,335,000 | $381,000 | $3,669 | 4.15% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 40 | $13,300,000 | $332,500 | $4,845 | 4.21% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 20 | $9,990,000 | $499,500 | $6,443 | 4.38% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 21 | $9,835,000 | $468,333 | $4,559 | 4.24% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 22 | $8,770,000 | $398,636 | $3,303 | 4.15% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 15 | $5,385,000 | $359,000 | $3,717 | 4.39% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 28 | $4,960,000 | $177,143 | $6,304 | 4.13% |
| STOCKTON, CA (FHA|USDA|VA) | 14 | $4,530,000 | $323,571 | $3,583 | 3.93% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 6 | $3,380,000 | $563,333 | $3,259 | 4.35% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 7 | $2,555,000 | $365,000 | $8,056 | 4.39% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 6 | $2,280,000 | $380,000 | $4,093 | 4.25% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 5 | $2,275,000 | $455,000 | $3,927 | 4.30% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 6 | $1,900,000 | $316,667 | $3,683 | 4.56% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 6 | $1,760,000 | $293,333 | $6,883 | 3.58% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 5 | $1,725,000 | $345,000 | $3,576 | 3.95% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 5 | $1,705,000 | $341,000 | $3,389 | 4.28% |
| VALLEJO, CA (FHA|USDA|VA) | 4 | $1,570,000 | $392,500 | $3,904 | 4.31% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 5 | $1,475,000 | $295,000 | $6,616 | 4.45% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 4 | $1,470,000 | $367,500 | $5,572 | 4.81% |
| FRESNO, CA (FHA|USDA|VA) | 11 | $1,465,000 | $133,182 | $4,695 | 4.03% |
| CHICO, CA (FHA|USDA|VA) | 3 | $1,135,000 | $378,333 | $3,337 | 4.00% |
| BEND, OR (FHA|USDA|VA) | 3 | $1,105,000 | $368,333 | $4,187 | 4.38% |
| MERCED, CA (FHA|USDA|VA) | 4 | $1,070,000 | $267,500 | $4,499 | 4.63% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 3 | $965,000 | $321,667 | $3,281 | 4.29% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 3 | $925,000 | $308,333 | $3,310 | 4.17% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 3 | $825,000 | $275,000 | $6,059 | 4.46% |
| VISALIA, CA (FHA|USDA|VA) | 4 | $800,000 | $200,000 | $7,340 | 5.88% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 2 | $790,000 | $395,000 | $7,359 | 5.38% |
| TUCSON, AZ (FHA|USDA|VA) | 3 | $765,000 | $255,000 | $2,968 | 4.00% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 2 | $750,000 | $375,000 | $6,428 | 3.88% |
| BOULDER, CO (FHA|USDA|VA) | 2 | $720,000 | $360,000 | $6,655 | 4.19% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 2 | $720,000 | $360,000 | $3,740 | 4.13% |
| HANFORD-CORCORAN, CA (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $5,038 | 4.38% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 1 | $535,000 | $535,000 | $3,395 | 4.75% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $5,654 | 4.19% |
| ROANOKE, VA (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $4,870 | 4.20% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $2,706 | 4.38% |
| MADERA, CA (FHA|USDA|VA) | 4 | $370,000 | $92,500 | $5,581 | 3.19% |
| SALEM, OR (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $3,284 | 4.50% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $9,674 | 4.25% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $3,335 | 4.63% |
| BELLINGHAM, WA (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $2,982 | 4.25% |
| FORT COLLINS, CO (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $2,850 | 4.63% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $4,648 | 4.63% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $2,771 | 4.13% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $6,374 | 5.25% |
| Payson, AZ (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $1,569 | 3.13% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $3,669 | 4.63% |
| Glenwood Springs, CO (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $3,158 | 3.50% |
| YUBA CITY, CA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $1,815 | 4.38% |
| YUMA, AZ (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $7,070 | 3.38% |
| Durango, CO (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $3,634 | 4.38% |
| GREELEY, CO (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $6,831 | 5.13% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $4,907 | 3.75% |
| MODESTO, CA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $2,681 | 4.45% |
| WENATCHEE, WA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,074 | 4.88% |
| Eureka-Arcata, CA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $4,103 | 4.88% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $5,096 | 5.63% |
Similar Lenders
We use machine learning to identify the top lenders compared against ONY GLO based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
For 2018, Ony Glo's most frequently originated type of loan was Conventional, with 1,427 originations. Their 2nd most popular type was FHA, with 236 originations.
Loan Reason
For 2018, Ony Glo's most frequently cited loan purpose was Home Purchase, with 1,065 originations. The 2nd most popular reason was Refi, with 597 originations.
Loan Duration/Length
For 2018, Ony Glo's most frequently cited loan duration was 30 Year, with 1,512 originations. The 2nd most popular length was 15 Year, with 153 originations.
Origination Fees/Closing Costs
Ony Glo's average total fees were $6,705, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 840 originations.
Interest Rates
During 2018, Ony Glo's average interest rate for loans was 4.47%, while their most frequently originated rate bucket for loans was 4-5%, with 1,035 originations.
Loan Sizing
2018 saw Ony Glo place emphasis on $200k-400k loans with 799 originations, totaling $249,955,000 in origination value.
Applicant Income
Ony Glo lent most frequently to those with incomes in the $100k-150k range, with 470 originations. The second most popular income band? $150k-250k, with 358 originations.
Applicant Debt to Income Ratio
Ony Glo lent most frequently to those with DTI ratios of 30-36%, with 244 originations. The next most common DTI ratio? 20-30%, with 215 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications98.77%
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 origination64.90%
Ony Glo has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 1,732 | $662,590,000 | $382,558 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Site-Built | 1,732 | $662,590,000 | $382,558 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2018 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| ONY GLO, INC. | Home equity loan or line of credit (HELOC) | Closing on a mortgage | 1 | 100.0% |