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 small mortgage company specializing in Refi and Home Purchase 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 131 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
---|---|---|
30 Year Conventional Purchase | 6.28% | 9/1/24 |
30 Year Conventional Refi | 6.31% | 9/1/24 |
30 Year Cash-out Refi | 6.03% | 9/1/24 |
30 Year FHA Purchase | 7.37% | 9/1/24 |
30 Year FHA Refi | 6.92% | 9/1/24 |
30 Year VA Purchase | 6.12% | 9/1/24 |
30 Year VA Refi | 6.02% | 9/1/24 |
15 Year Conventional Purchase | 5.48% | 9/1/24 |
15 Year Conventional Refi | 5.65% | 9/1/24 |
15 Year Cash-out Refi | 5.65% | 9/1/24 |
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
5,429Origination Dollar Volume (All Markets)
$2,410,235,000ONY GLO - 2021
ONY GLO is a 2021 , due to their low .
For 2021, 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) | 2,334 | $1,124,340,000 | $481,722 | $4,463 | 2.80% |
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 721 | $271,895,000 | $377,108 | $4,958 | 2.92% |
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 322 | $166,640,000 | $517,516 | $3,503 | 2.66% |
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 269 | $124,585,000 | $463,141 | $3,519 | 2.68% |
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 164 | $88,660,000 | $540,610 | $3,125 | 2.65% |
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 144 | $64,140,000 | $445,417 | $3,202 | 2.57% |
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 143 | $55,975,000 | $391,434 | $3,297 | 2.69% |
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 111 | $54,995,000 | $495,450 | $3,331 | 2.56% |
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 120 | $45,290,000 | $377,417 | $3,160 | 2.72% |
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 109 | $39,395,000 | $361,422 | $2,854 | 2.59% |
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 80 | $29,750,000 | $371,875 | $4,473 | 2.74% |
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 47 | $22,575,000 | $480,319 | $3,770 | 2.66% |
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 57 | $22,555,000 | $395,702 | $3,142 | 2.76% |
STOCKTON, CA (FHA|USDA|VA) | 48 | $21,440,000 | $446,667 | $3,365 | 2.83% |
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 54 | $20,830,000 | $385,741 | $3,555 | 2.70% |
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 58 | $20,020,000 | $345,172 | $3,991 | 2.81% |
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 43 | $16,645,000 | $387,093 | $3,284 | 2.53% |
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 42 | $15,900,000 | $378,571 | $3,569 | 2.79% |
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 32 | $10,630,000 | $332,188 | $4,728 | 2.63% |
MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 24 | $8,630,000 | $359,583 | $3,136 | 2.47% |
Outside of Metro Areas | 22 | $8,300,000 | $377,273 | $4,547 | 2.80% |
BAKERSFIELD, CA (FHA|USDA|VA) | 31 | $8,035,000 | $259,194 | $4,653 | 3.17% |
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 19 | $7,715,000 | $406,053 | $4,159 | 2.61% |
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 21 | $7,515,000 | $357,857 | $4,808 | 2.77% |
SALINAS, CA (FHA|USDA|VA) | 16 | $7,090,000 | $443,125 | $3,924 | 2.55% |
RALEIGH-CARY, NC (FHA|USDA|VA) | 14 | $6,270,000 | $447,857 | $3,331 | 2.48% |
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 11 | $6,075,000 | $552,273 | $3,139 | 2.36% |
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 17 | $6,065,000 | $356,765 | $2,983 | 2.68% |
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 17 | $5,595,000 | $329,118 | $3,996 | 2.70% |
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 16 | $5,470,000 | $341,875 | $4,486 | 2.38% |
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 13 | $5,225,000 | $401,923 | $3,539 | 2.60% |
RENO, NV (FHA|USDA|VA) | 12 | $5,020,000 | $418,333 | $3,727 | 2.64% |
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 12 | $4,680,000 | $390,000 | $2,969 | 2.57% |
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 9 | $4,305,000 | $478,333 | $5,603 | 2.67% |
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 10 | $4,290,000 | $429,000 | $3,797 | 2.46% |
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 12 | $4,220,000 | $351,667 | $3,801 | 2.64% |
TUCSON, AZ (FHA|USDA|VA) | 12 | $3,540,000 | $295,000 | $4,197 | 2.98% |
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 12 | $3,430,000 | $285,833 | $5,056 | 3.44% |
VALLEJO, CA (FHA|USDA|VA) | 8 | $3,250,000 | $406,250 | $3,140 | 2.81% |
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 8 | $3,020,000 | $377,500 | $4,561 | 2.70% |
RICHMOND, VA (FHA|USDA|VA) | 10 | $2,970,000 | $297,000 | $2,659 | 2.80% |
COLORADO SPRINGS, CO (FHA|USDA|VA) | 8 | $2,890,000 | $361,250 | $2,991 | 2.61% |
MODESTO, CA (FHA|USDA|VA) | 8 | $2,800,000 | $350,000 | $3,129 | 2.75% |
BEND, OR (FHA|USDA|VA) | 6 | $2,680,000 | $446,667 | $3,377 | 3.04% |
FRESNO, CA (FHA|USDA|VA) | 8 | $2,580,000 | $322,500 | $3,161 | 2.92% |
JACKSONVILLE, FL (FHA|USDA|VA) | 7 | $2,435,000 | $347,857 | $4,130 | 3.18% |
COLUMBUS, OH (FHA|USDA|VA) | 6 | $2,430,000 | $405,000 | $2,934 | 2.50% |
KNOXVILLE, TN (FHA|USDA|VA) | 6 | $2,310,000 | $385,000 | $3,680 | 2.52% |
BOULDER, CO (FHA|USDA|VA) | 5 | $2,305,000 | $461,000 | $2,945 | 2.68% |
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 6 | $2,250,000 | $375,000 | $2,600 | 2.58% |
NAPA, CA (FHA|USDA|VA) | 4 | $2,100,000 | $525,000 | $3,552 | 3.09% |
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 8 | $2,070,000 | $258,750 | $3,708 | 2.92% |
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 5 | $1,635,000 | $327,000 | $2,858 | 2.80% |
FORT COLLINS, CO (FHA|USDA|VA) | 4 | $1,630,000 | $407,500 | $2,772 | 2.59% |
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 4 | $1,610,000 | $402,500 | $3,530 | 2.72% |
CHICO, CA (FHA|USDA|VA) | 5 | $1,485,000 | $297,000 | $3,291 | 2.75% |
ASHEVILLE, NC (FHA|USDA|VA) | 3 | $1,465,000 | $488,333 | $3,242 | 2.38% |
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 4 | $1,400,000 | $350,000 | $3,551 | 2.44% |
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 3 | $1,365,000 | $455,000 | $3,654 | 2.75% |
TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 3 | $1,195,000 | $398,333 | $4,110 | 3.00% |
GRANTS PASS, OR (FHA|USDA|VA) | 3 | $1,165,000 | $388,333 | $3,574 | 2.88% |
Breckenridge, CO (FHA|USDA|VA) | 2 | $1,150,000 | $575,000 | $3,779 | 3.06% |
Truckee-Grass Valley, CA (FHA|USDA|VA) | 3 | $1,125,000 | $375,000 | $3,154 | 2.67% |
VISALIA, CA (FHA|USDA|VA) | 4 | $1,120,000 | $280,000 | $3,376 | 2.56% |
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 2 | $970,000 | $485,000 | $2,537 | 2.37% |
PITTSBURGH, PA (FHA|USDA|VA) | 2 | $960,000 | $480,000 | $7,587 | 3.00% |
SALEM, OR (FHA|USDA|VA) | 2 | $930,000 | $465,000 | $3,896 | 2.56% |
BELLINGHAM, WA (FHA|USDA|VA) | 2 | $870,000 | $435,000 | $3,129 | 2.94% |
GREELEY, CO (FHA|USDA|VA) | 3 | $865,000 | $288,333 | $3,291 | 2.75% |
REDDING, CA (FHA|USDA|VA) | 2 | $850,000 | $425,000 | $2,424 | 2.56% |
YUBA CITY, CA (FHA|USDA|VA) | 2 | $770,000 | $385,000 | $4,119 | 2.69% |
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 3 | $735,000 | $245,000 | $3,085 | 3.00% |
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 2 | $710,000 | $355,000 | $3,310 | 2.44% |
LYNCHBURG, VA (FHA|USDA|VA) | 2 | $700,000 | $350,000 | $6,595 | 2.75% |
YAKIMA, WA (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $2,374 | 2.19% |
MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $3,085 | 3.06% |
CARSON CITY, NV (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $2,514 | 2.81% |
CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $4,472 | 3.25% |
Eureka-Arcata, CA (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $2,767 | 2.87% |
MERCED, CA (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $3,100 | 2.63% |
PORT ST. LUCIE, FL (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $7,595 | 2.75% |
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $5,604 | 2.88% |
Stephenville, TX (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $6,070 | 2.88% |
LUBBOCK, TX (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $6,322 | 2.88% |
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $3,830 | 2.63% |
Sonora, CA (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $3,079 | 2.88% |
FLAGSTAFF, AZ (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $3,425 | 2.63% |
ST. GEORGE, UT (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $4,067 | 3.00% |
Elko, NV (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $8,526 | 2.38% |
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $3,282 | 2.44% |
THE VILLAGES, FL (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $5,938 | 2.63% |
Fernley, NV (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $5,496 | 2.88% |
Jefferson, GA (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $3,540 | 2.50% |
Centralia, WA (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $2,617 | 2.75% |
MIDLAND, TX (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $4,858 | 1.88% |
MEDFORD, OR (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $4,934 | 2.25% |
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $2,773 | 2.00% |
LONGVIEW, WA (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $3,377 | 2.75% |
AKRON, OH (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $2,701 | 1.88% |
WILMINGTON, NC (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $3,856 | 2.88% |
Fergus Falls, MN (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $3,595 | 2.50% |
CHATTANOOGA, TN-GA (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $1,160 | 2.88% |
ROANOKE, VA (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $2,994 | 2.75% |
DAYTON-KETTERING, OH (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $3,489 | 3.25% |
Morehead City, NC (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $3,157 | 1.75% |
ALBANY-LEBANON, OR (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $2,841 | 2.13% |
Newport, OR (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $5,755 | 2.13% |
Tullahoma-Manchester, TN (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $2,668 | 2.38% |
KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $2,294 | 2.63% |
EL CENTRO, CA (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $2,975 | 3.19% |
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $3,230 | 2.50% |
BURLINGTON, NC (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $2,679 | 2.75% |
SALISBURY, MD-DE (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $2,568 | 2.63% |
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $4,238 | 2.63% |
Gardnerville Ranchos, NV (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $2,469 | 2.63% |
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $2,257 | 2.38% |
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $6,150 | 2.38% |
ANN ARBOR, MI (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $2,254 | 2.13% |
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $2,920 | 2.25% |
Brookings, OR (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,118 | 3.13% |
WARNER ROBINS, GA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,330 | 2.88% |
Pahrump, NV (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,804 | 3.00% |
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,699 | 2.75% |
WINSTON-SALEM, NC (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $715 | 3.50% |
LANSING-EAST LANSING, MI (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,879 | 4.25% |
Ukiah, CA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $4,744 | 3.00% |
McMinnville, TN (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,740 | 3.38% |
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,521 | 3.00% |
KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,329 | 3.00% |
GAINESVILLE, FL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $6,879 | 3.50% |
YUMA, AZ (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $6,590 | 3.13% |
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Product Mix
For 2021, Ony Glo's most frequently originated type of loan was Conventional, with 5,276 originations. Their 2nd most popular type was FHA, with 80 originations.
Loan Reason
For 2021, Ony Glo's most frequently cited loan purpose was Refi, with 4,169 originations. The 2nd most popular reason was Home Purchase, with 1,183 originations.
Loan Duration/Length
For 2021, Ony Glo's most frequently cited loan duration was 30 Year, with 4,257 originations. The 2nd most popular length was 15 Year, with 806 originations.
Origination Fees/Closing Costs
Ony Glo's average total fees were $4,375, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 3,279 originations.
Interest Rates
During 2021, Ony Glo's average interest rate for loans was 2.88%, while their most frequently originated rate bucket for loans was 2.5-3%, with 2,695 originations.
Loan Sizing
2021 saw Ony Glo place emphasis on $400k-600k loans with 2,366 originations, totaling $1,154,100,000 in origination value.
Applicant Income
Ony Glo lent most frequently to those with incomes in the $100k-150k range, with 1,794 originations. The second most popular income band? $150k-250k, with 1,579 originations.
Applicant Debt to Income Ratio
Ony Glo lent most frequently to those with DTI ratios of 20-30%, with 1,152 originations. The next most common DTI ratio? 30-36%, with 1,054 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications97.71%
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 origination88.91%
Ony Glo has an average pick rate.
Points and Fees
Points | Originations | Total Value | Average Loan |
---|---|---|---|
NA | 5,429 | $2,410,235,000 | $443,956 |
Occupancy Type Mix
Dwelling Type | Originations | Total Value | Average Loan |
---|---|---|---|
5,429 | $2,410,235,000 | $443,956 |
LTV Distribution
Complaints
Bank Name | Product | Issue | 2021 CPFB Complaints | % of Total Issues |
---|---|---|---|---|
ONY GLO, INC. | FHA mortgage | Struggling to pay mortgage | 1 | 100.0% |