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 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 Dallas among others. We have data for 121 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 |
|---|---|---|
| 30 Year Conventional Purchase | 6.28% | 4/28/24 |
| 30 Year Conventional Refi | 6.31% | 4/28/24 |
| 30 Year Cash-out Refi | 6.03% | 4/28/24 |
| 30 Year FHA Purchase | 7.37% | 4/28/24 |
| 30 Year FHA Refi | 6.92% | 4/28/24 |
| 30 Year VA Purchase | 6.12% | 4/28/24 |
| 30 Year VA Refi | 6.02% | 4/28/24 |
| 15 Year Conventional Purchase | 5.48% | 4/28/24 |
| 15 Year Conventional Refi | 5.65% | 4/28/24 |
| 15 Year Cash-out Refi | 5.65% | 4/28/24 |
| 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
1,507Origination Dollar Volume (All Markets)
$797,145,000Awards
ONY GLO - 2022
ONY GLO is a 2022 , due to their low .
For 2022, 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) | 447 | $281,525,000 | $629,810 | $8,267 | 4.47% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 195 | $86,765,000 | $444,949 | $8,307 | 4.61% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 61 | $39,455,000 | $646,803 | $6,662 | 4.15% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 51 | $31,075,000 | $609,314 | $6,150 | 4.23% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 53 | $24,405,000 | $460,472 | $7,089 | 4.30% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 34 | $20,080,000 | $590,588 | $5,036 | 4.27% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 28 | $18,880,000 | $674,286 | $5,729 | 4.18% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 51 | $18,605,000 | $364,804 | $5,018 | 4.88% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 27 | $16,695,000 | $618,333 | $8,768 | 4.47% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 27 | $15,505,000 | $574,259 | $6,205 | 3.87% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 33 | $14,715,000 | $445,909 | $5,232 | 4.73% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 29 | $14,635,000 | $504,655 | $7,801 | 4.33% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 26 | $13,590,000 | $522,692 | $7,117 | 4.35% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 26 | $12,680,000 | $487,692 | $4,811 | 3.71% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 22 | $12,250,000 | $556,818 | $5,816 | 4.83% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 23 | $11,575,000 | $503,261 | $5,361 | 3.96% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 26 | $9,530,000 | $366,538 | $3,977 | 4.27% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 16 | $9,230,000 | $576,875 | $7,682 | 4.18% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 20 | $9,210,000 | $460,500 | $5,217 | 4.44% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 21 | $8,025,000 | $382,143 | $5,414 | 5.01% |
| STOCKTON, CA (FHA|USDA|VA) | 14 | $6,640,000 | $474,286 | $4,904 | 4.52% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 12 | $5,600,000 | $466,667 | $8,076 | 5.09% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 11 | $4,955,000 | $450,455 | $5,168 | 5.45% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 8 | $4,710,000 | $588,750 | $8,256 | 3.94% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 11 | $4,615,000 | $419,545 | $5,983 | 5.20% |
| Outside of Metro Areas | 10 | $4,270,000 | $427,000 | $6,003 | 3.90% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 10 | $3,930,000 | $393,000 | $4,769 | 5.06% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 11 | $3,875,000 | $352,273 | $6,508 | 4.41% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 7 | $3,565,000 | $509,286 | $6,741 | 4.61% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 7 | $3,305,000 | $472,143 | $4,336 | 4.53% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 10 | $3,290,000 | $329,000 | $9,558 | 5.84% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 9 | $3,245,000 | $360,556 | $6,279 | 4.30% |
| FRESNO, CA (FHA|USDA|VA) | 6 | $2,750,000 | $458,333 | $7,359 | 4.25% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 3 | $2,575,000 | $858,333 | $3,479 | 3.75% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 3 | $2,475,000 | $825,000 | $6,928 | 4.17% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 8 | $2,350,000 | $293,750 | $6,533 | 4.69% |
| RICHMOND, VA (FHA|USDA|VA) | 4 | $2,240,000 | $560,000 | $5,598 | 4.66% |
| RENO, NV (FHA|USDA|VA) | 5 | $2,235,000 | $447,000 | $3,783 | 4.20% |
| SALINAS, CA (FHA|USDA|VA) | 4 | $2,170,000 | $542,500 | $8,614 | 4.25% |
| COLUMBUS, OH (FHA|USDA|VA) | 5 | $2,135,000 | $427,000 | $3,827 | 4.05% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 6 | $2,130,000 | $355,000 | $3,932 | 4.21% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 3 | $1,985,000 | $661,667 | $9,501 | 4.83% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 4 | $1,870,000 | $467,500 | $5,561 | 3.62% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 4 | $1,630,000 | $407,500 | $5,154 | 4.75% |
| MODESTO, CA (FHA|USDA|VA) | 3 | $1,595,000 | $531,667 | $7,364 | 3.67% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 2 | $1,550,000 | $775,000 | $5,454 | 4.94% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 2 | $1,450,000 | $725,000 | $3,923 | 4.25% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 2 | $1,430,000 | $715,000 | $3,911 | 4.81% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 2 | $1,300,000 | $650,000 | $7,068 | 4.06% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 1 | $1,285,000 | $1,285,000 | $10,738 | 8.63% |
| VALLEJO, CA (FHA|USDA|VA) | 3 | $1,235,000 | $411,667 | $3,504 | 4.33% |
| BEND, OR (FHA|USDA|VA) | 3 | $1,205,000 | $401,667 | $4,665 | 5.46% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 2 | $1,150,000 | $575,000 | $4,001 | 4.00% |
| TUCSON, AZ (FHA|USDA|VA) | 5 | $1,135,000 | $227,000 | $4,565 | 3.55% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 2 | $1,100,000 | $550,000 | $12,487 | 4.56% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 2 | $1,050,000 | $525,000 | $10,448 | 3.13% |
| BOISE CITY, ID (FHA|USDA|VA) | 1 | $1,045,000 | $1,045,000 | $11,285 | 4.38% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 2 | $1,010,000 | $505,000 | $7,518 | 3.00% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 1 | $995,000 | $995,000 | $949 | 3.25% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 2 | $980,000 | $490,000 | $7,075 | 3.75% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 3 | $975,000 | $325,000 | $5,801 | 5.50% |
| VISALIA, CA (FHA|USDA|VA) | 2 | $950,000 | $475,000 | $3,315 | 4.50% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 3 | $935,000 | $311,667 | $8,483 | 5.17% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 2 | $930,000 | $465,000 | $6,433 | 4.12% |
| KNOXVILLE, TN (FHA|USDA|VA) | 2 | $920,000 | $460,000 | $5,360 | 3.94% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 2 | $910,000 | $455,000 | $12,078 | 4.25% |
| Newport, OR (FHA|USDA|VA) | 2 | $850,000 | $425,000 | $11,831 | 4.44% |
| BOULDER, CO (FHA|USDA|VA) | 1 | $765,000 | $765,000 | $5,778 | 2.88% |
| Holland, MI (FHA|USDA|VA) | 1 | $755,000 | $755,000 | $19,174 | 6.88% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 2 | $710,000 | $355,000 | $9,699 | 4.38% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 1 | $695,000 | $695,000 | $9,384 | 4.00% |
| Fergus Falls, MN (FHA|USDA|VA) | 1 | $645,000 | $645,000 | $3,079 | 2.88% |
| LUBBOCK, TX (FHA|USDA|VA) | 1 | $645,000 | $645,000 | $8,331 | 4.50% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 1 | $645,000 | $645,000 | $4,140 | 4.00% |
| TYLER, TX (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $4,669 | 4.81% |
| PITTSBURGH, PA (FHA|USDA|VA) | 1 | $625,000 | $625,000 | $6,304 | 3.88% |
| Cookeville, TN (FHA|USDA|VA) | 1 | $615,000 | $615,000 | $19,043 | 3.88% |
| SALEM, OR (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $6,094 | 4.63% |
| Breckenridge, CO (FHA|USDA|VA) | 1 | $595,000 | $595,000 | $3,583 | 2.25% |
| GRANTS PASS, OR (FHA|USDA|VA) | 1 | $585,000 | $585,000 | $3,713 | 4.75% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $8,672 | 3.44% |
| BURLINGTON, NC (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $5,499 | 4.19% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 1 | $565,000 | $565,000 | $11,860 | 4.38% |
| FORT COLLINS, CO (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $3,944 | 3.19% |
| LONGVIEW, TX (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $8,233 | 4.06% |
| Brainerd, MN (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $7,617 | 5.88% |
| Durango, CO (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $19,985 | 4.00% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $4,710 | 6.25% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $10,663 | 2.75% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $6,470 | 4.81% |
| BELLINGHAM, WA (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $3,230 | 3.25% |
| ASHEVILLE, NC (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $4,425 | 3.63% |
| Ukiah, CA (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $4,488 | 2.88% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $5,837 | 6.19% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $3,209 | 3.75% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $5,022 | 2.75% |
| Gardnerville Ranchos, NV (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $3,179 | 3.25% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $4,408 | 5.63% |
| PROVO-OREM, UT (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $8,423 | 4.63% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $3,814 | 3.50% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $4,060 | 3.00% |
| Thomaston, GA (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $3,840 | 3.99% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $4,162 | 6.75% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $2,294 | 2.75% |
| CHICO, CA (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $4,363 | 2.99% |
| PANAMA CITY, FL (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $6,390 | 7.13% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $4,458 | 5.13% |
| CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $3,247 | 2.13% |
| CARSON CITY, NV (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $0 | 6.00% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $10,285 | 5.50% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $4,737 | 6.75% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $2,775 | 4.25% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $4,302 | 5.75% |
| Jacksonville, TX (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $9,357 | 5.63% |
| GREELEY, CO (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $6,811 | 5.88% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $6,865 | 5.13% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $5,138 | 6.50% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,725 | 5.25% |
| Stillwater, OK (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,164 | 3.63% |
| CORVALLIS, OR (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $4,179 | 2.75% |
| KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,257 | 4.50% |
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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 2022, Ony Glo's most frequently originated type of loan was Conventional, with 1,432 originations. Their 2nd most popular type was FHA, with 49 originations.
Loan Reason
For 2022, Ony Glo's most frequently cited loan purpose was Home Purchase, with 1,008 originations. The 2nd most popular reason was Refi, with 497 originations.
Loan Duration/Length
For 2022, Ony Glo's most frequently cited loan duration was 30 Year, with 1,393 originations. The 2nd most popular length was 15 Year, with 83 originations.
Origination Fees/Closing Costs
Ony Glo's average total fees were $7,231, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 629 originations.
Interest Rates
During 2022, Ony Glo's average interest rate for loans was 4.53%, while their most frequently originated rate bucket for loans was 3-4%, with 457 originations.
Loan Sizing
2022 saw Ony Glo place emphasis on $400k-600k loans with 609 originations, totaling $303,345,000 in origination value.
Applicant Income
Ony Glo lent most frequently to those with incomes in the $150k-250k range, with 492 originations. The second most popular income band? $100k-150k, with 445 originations.
Applicant Debt to Income Ratio
Ony Glo lent most frequently to those with DTI ratios of 30-36%, with 245 originations. The next most common DTI ratio? 20-30%, with 235 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications66.75%
Ony Glo has a low approval rate. They may have poor market targeting or stringent lending standards.
Pick Rate
Approvals leading to origination96.55%
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 | 1,507 | $797,145,000 | $528,962 |