What loan types does Ony Glo offer?

Ony Glo offers the following mortgage loan types: FHA, Conventional, VA, Jumbo. Each product has its own pricing score and performance metrics.

Where does Ony Glo offer mortgages?

Ony Glo offers mortgages in 29 states: AR, AZ, CA, CO, DC, FL, GA, ID, IL, IN, LA, MA, MD, MI, MN, MS, NC, NJ, NV, OH, OK, OR, PA, SC, TN, TX, UT, VA, WA.

How competitive are Ony Glo's mortgage rates?

Ony Glo has an overall pricing score of 33/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Ony Glo?

Ony Glo is a Independent Mortgage Company headquartered in SANTA ANA, CA.

Unclaimed

Ony Glo

Independent Mortgage Company•Santa Ana, CAHQ•Direct & Wholesale•Reviews near you on Google

We analyzed every closed loan from Ony Glo — 609 loans across 941 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Acceptable

2/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Strong

4/5

FHA · Conventional · VA · Jumbo

Place

Sound

3/5

Near-National · 9 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

What They Do Well

Particularly strong in FHA and Jumbo loans
Nationwide availability with consistent service

Things to Think About

Pricing may be below industry average

Explore another lender or local market

Report Card

Ony Glo performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Acceptable

+21.5 bps above market avg

2/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

446 loans · 0.21% above market

Sound

Top 60% of lenders

3/5

FHA

85 loans · 0.38% above market

Strong

Top 40% of lenders

4/5

20 loans · 0.47% below market

Sound

Top 60% of lenders

3/5

Jumbo

58 loans · 0.22% above market

Strong

Top 40% of lenders

4/5

By Loan Purpose· Transaction purpose mix

Purchase

494 loans · 0.22% above market

Sound

Top 60% of lenders

3/5

Refinance

115 loans · 0.18% above market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Near-National · 10 markets

Sound

Top 60% of lenders

3/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Sound	Acceptable	Sound	446	73.2%	+0.212%Above	$2,699Fees
FHA Loans	Sound	Strong	Sound	Sound	85	14.0%	+0.382%Above	$3,053Fees
VA Loans	Sound	Sound	—	Sound	20	3.3%	-0.475%Below	$1,703Fees
Jumbo Loans	Sound	Strong	Acceptable	Sound	58	9.5%	+0.223%Above	$2,093Fees

Conventional

Overall

Sound

Product

Sound

Pricing

Acceptable

Pull Through

Sound

Volume446

Mix73.2%

Spread

+0.212%Above

Fees

$2,699Fees

FHA Loans

Overall

Sound

Product

Strong

Pricing

Sound

Pull Through

Sound

Volume85

Mix14.0%

Spread

+0.382%Above

Fees

$3,053Fees

VA Loans

Overall

Sound

Product

Sound

Pricing—

Pull Through

Sound

Volume20

Mix3.3%

Spread

-0.475%Below

Fees

$1,703Fees

Jumbo Loans

Overall

Sound

Product

Strong

Pricing

Acceptable

Pull Through

Sound

Volume58

Mix9.5%

Spread

+0.223%Above

Fees

$2,093Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Acceptable	Sound	494	81.1%	+0.223%Above	$2,851Fees
Refinance	Sound	Sound	Acceptable	Sound	115	18.9%	+0.183%Above	$1,915Fees

Purchase

Overall

Sound

Product

Sound

Pricing

Acceptable

Pull Through

Sound

Volume494

Mix81.1%

Spread

+0.223%Above

Fees

$2,851Fees

Refinance

Overall

Sound

Product

Sound

Pricing

Acceptable

Pull Through

Sound

Volume115

Mix18.9%

Spread

+0.183%Above

Fees

$1,915Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

609

Applications

941

Volume

$359 million

Pricing & Closing

Avg Rate Spread

+0.215%

vs. market APOR

Avg Net Fees

$2,670

Origination − Credits

Pullthrough Rate

64.7%

Applications → Closed

Typical Borrower

Avg Loan Amount

$590,402

Avg Borrower Income

$261,813

Avg Property Value

$843,851

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

29Full-year 2024 · HMDA

Loans originated

< 1010–5050+None

Northeast3

MANJPA

Midwest5

ILINMIMNOH

South13

ARDCFLGALAMDMSNCOKSCTNTXVA

West8

AZCACOIDNVORUTWA

Top Metro Areas by Place Specialization Score

1© Eric Polk · CC BY-SA 4.0

Los Angeles, CAMetro

Volume 136Mix 22.33% of portfolio

72/100

Strong

2© Johnwayne Stroud · CC BY-SA 3.0

Riverside, CAMetro

Volume 125Mix 20.53% of portfolio

70/100

Strong

3© André Regius · CC BY-SA 3.0

Anaheim, CAMetro

Volume 58Mix 9.52% of portfolio

65/100

Strong

Las Vegas, NVMetro

Volume 29Mix 4.76% of portfolio

54/100

Sound

Tucson, AZMetro

Volume 20Mix 3.28% of portfolio

50/100

Sound

Oakland, CAMetro

Volume 19Mix 3.12% of portfolio

49/100

Sound

San Diego, CAMetro

Volume 19Mix 3.12% of portfolio

48/100

Sound

San Jose, CAMetro

Volume 15Mix 2.46% of portfolio

47/100

Sound

Atlanta, GAMetro

Volume 10Mix 1.64% of portfolio

39/100

Acceptable

Top States by Place Specialization Score

CaliforniaState

Volume 406Mix 66.67% of portfolio

74/100

Strong

NevadaState

Volume 32Mix 5.25% of portfolio

54/100

Sound

ArizonaState

Volume 33Mix 5.42% of portfolio

51/100

Sound

WashingtonState

Volume 14Mix 2.30% of portfolio

42/100

Sound

GeorgiaState

Volume 13Mix 2.13% of portfolio

40/100

Sound

TennesseeState

Volume 12Mix 1.97% of portfolio

39/100

Acceptable

OregonState

Volume 10Mix 1.64% of portfolio

39/100

Acceptable

TexasState

Volume 16Mix 2.63% of portfolio

38/100

Acceptable

FloridaState

Volume 13Mix 2.13% of portfolio

36/100

Acceptable

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.