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 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 by origination volume include: Los Angeles, Riverside, San Francisco, San Diego, and San Jose among others. We have data for 120 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 a low 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.
Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.28% | 11/21/24 |
| 30 Year Conventional Refi | 6.31% | 11/21/24 |
| 30 Year Cash-out Refi | 6.03% | 11/21/24 |
| 30 Year FHA Purchase | 7.37% | 11/21/24 |
| 30 Year FHA Refi | 6.92% | 11/21/24 |
| 30 Year VA Purchase | 6.12% | 11/21/24 |
| 30 Year VA Refi | 6.02% | 11/21/24 |
| 15 Year Conventional Purchase | 5.48% | 11/21/24 |
| 15 Year Conventional Refi | 5.65% | 11/21/24 |
| 15 Year Cash-out Refi | 5.65% | 11/21/24 |
| 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
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
7,596Origination Dollar Volume (All Markets)
$3,133,270,000Awards
ONY GLO - 2020
ONY GLO is a 2020 , due to their low .
For 2020, 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) | 3,110 | $1,353,050,000 | $435,064 | $3,693 | 2.94% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 802 | $276,910,000 | $345,274 | $4,320 | 2.92% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 589 | $274,035,000 | $465,255 | $2,971 | 2.91% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 643 | $273,225,000 | $424,922 | $2,899 | 2.89% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 226 | $108,410,000 | $479,690 | $2,981 | 2.84% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 245 | $105,885,000 | $432,184 | $2,905 | 2.78% |
| 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% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 149 | $70,005,000 | $469,832 | $2,899 | 2.81% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 170 | $59,050,000 | $347,353 | $2,825 | 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% |
| 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% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 63 | $20,645,000 | $327,698 | $3,808 | 2.79% |
| STOCKTON, CA (FHA|USDA|VA) | 40 | $15,190,000 | $379,750 | $2,914 | 2.90% |
| 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 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% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 22 | $8,630,000 | $392,273 | $3,320 | 2.73% |
| 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% |
| Outside of Metro Areas | 20 | $6,960,000 | $348,000 | $3,205 | 2.96% |
| VALLEJO, CA (FHA|USDA|VA) | 15 | $6,235,000 | $415,667 | $3,273 | 3.00% |
| MODESTO, CA (FHA|USDA|VA) | 16 | $5,340,000 | $333,750 | $2,955 | 2.97% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 15 | $5,315,000 | $354,333 | $4,603 | 2.78% |
| 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% |
| 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% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 8 | $3,350,000 | $418,750 | $3,176 | 2.52% |
| 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% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 8 | $2,700,000 | $337,500 | $2,647 | 2.72% |
| 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% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 6 | $1,790,000 | $298,333 | $4,448 | 3.02% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 5 | $1,735,000 | $347,000 | $5,523 | 3.42% |
| Eureka-Arcata, CA (FHA|USDA|VA) | 5 | $1,695,000 | $339,000 | $2,925 | 3.13% |
| VISALIA, CA (FHA|USDA|VA) | 6 | $1,640,000 | $273,333 | $3,734 | 3.06% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 4 | $1,570,000 | $392,500 | $3,626 | 2.31% |
| Steamboat Springs, CO (FHA|USDA|VA) | 3 | $1,515,000 | $505,000 | $2,820 | 3.04% |
| 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% |
| Centralia, WA (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $2,473 | 2.69% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $3,351 | 2.69% |
| Edwards, CO (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $3,384 | 3.25% |
| EL CENTRO, CA (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $2,881 | 3.19% |
| Gardnerville Ranchos, NV (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $3,723 | 2.99% |
| ROANOKE, VA (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $2,579 | 2.25% |
| Ukiah, CA (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $5,097 | 3.38% |
| 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% |
| Ellensburg, WA (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $5,098 | 2.88% |
| Stephenville, TX (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $6,258 | 3.38% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $4,004 | 2.25% |
| Detroit-Warren-Dearborn, 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% |
| Jefferson, GA (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $2,839 | 3.50% |
| Boone, NC (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $4,280 | 3.25% |
| 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% |
| Clearlake, CA (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $5,762 | 2.75% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $17,459 | 2.38% |
| 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% |
| Glenwood Springs, CO (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $2,550 | 2.00% |
| 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% |
| Pahrump, NV (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $2,452 | 3.00% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $2,967 | 2.88% |
| Shelton, WA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $2,334 | 3.13% |
| STATE COLLEGE, PA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,454 | 2.50% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $4,508 | 3.50% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,415 | 3.25% |
| Fernley, NV (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $7,329 | 4.00% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $2,868 | 2.88% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,340 | 3.38% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,876 | 2.38% |
| 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% |
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 2020, Ony Glo's most frequently originated type of loan was Conventional, with 7,406 originations. Their 2nd most popular type was FHA, with 99 originations.
Loan Reason
For 2020, Ony Glo's most frequently cited loan purpose was Refi, with 6,523 originations. The 2nd most popular reason was Home Purchase, with 691 originations.
Loan Duration/Length
For 2020, Ony Glo's most frequently cited loan duration was 30 Year, with 5,800 originations. The 2nd most popular length was 15 Year, with 1,363 originations.
Origination Fees/Closing Costs
Ony Glo's average total fees were $3,613, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 5,499 originations.
Interest Rates
During 2020, Ony Glo's average interest rate for loans was 3.00%, while their most frequently originated rate bucket for loans was 2.5-3%, with 3,386 originations.
Loan Sizing
2020 saw Ony Glo place emphasis on $400k-600k loans with 3,366 originations, totaling $1,602,890,000 in origination value.
Applicant Income
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
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
Approval Rates
Total approvals of all applications99.06%
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 origination83.12%
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
Complaints
| Bank Name | Product | Issue | 2020 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| ONY GLO, INC. | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 100.0% |