# ONY GLO, INC.

> **Canonical URL:** https://saferate.com/lenders/ony-glo


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


ONY GLO, INC. is a independent mortgage company, headquartered in SANTA ANA, CA, serving borrowers across 29 states, with 609 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 67% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 47% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300R4F5COFJE0DN81
- **Headquarters:** SANTA ANA, CA
- **Geographic Reach:** Near-National
- **States Served:** 29
- **State List:** 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
- **Markets (MSAs):** 10
- **Primary Channel:** mix
- **Direct Origination:** 52.5%
- **Brokered/Wholesale:** 47.5%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 33/100
- Rating: ●●○○○ (2/5)

### Pull Through: Sound ☺️
- Score: 53/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.215%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,670
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 609
- **Dollar Volume:** $360 million
- **Applications Received:** 941
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $590,402
- **Average Borrower Income:** $261,813
- **Average Property Value:** $843,851

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 50/100 | 446 | +0.212% | $2,699 | Sound ☺️ |
| FHA | 62/100 | 85 | +0.382% | $3,053 | Strong 😀 |
| VA | 58/100 | 20 | -0.475% | $1,703 | Sound ☺️ |
| Jumbo | 72/100 | 58 | +0.223% | $2,093 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 355 loans, Score: 50/100 (Sound)
- Refinance: 91 loans, Score: 54/100 (Sound)

**FHA:**
- Purchase: 72 loans, Score: 61/100 (Strong)

**Jumbo:**
- Purchase: 49 loans, Score: 73/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 53/100 | 494 | $295M | +0.223% | Sound ☺️ |
| Refinance | 54/100 | 115 | $64M | +0.183% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CA | 406 | 0.14% | 74/100 |
| AZ | 33 | 0.03% | 51/100 |
| NV | 32 | 0.08% | 54/100 |
| TX | 16 | 0.00% | 38/100 |
| WA | 14 | 0.02% | 42/100 |
| FL | 13 | 0.00% | 36/100 |
| GA | 13 | 0.01% | 40/100 |
| TN | 12 | 0.01% | 39/100 |
| OR | 10 | 0.02% | 39/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Los Angeles | CA | 136 | 72/100 |
| Riverside | CA | 125 | 70/100 |
| Anaheim | CA | 58 | 65/100 |
| Las Vegas | NV | 29 | 54/100 |
| Tucson, AZ | AZ | 20 | 50/100 |
| Oakland | CA | 19 | 49/100 |
| San Diego | CA | 19 | 48/100 |
| San Jose | CA | 15 | 47/100 |
| Atlanta | GA | 10 | 39/100 |
| Non |  | 10 | 20/100 |

## Frequently Asked Questions

### What loan types does ONY GLO, INC. offer?

ONY GLO, INC. offers the following mortgage loan types: FHA, Conventional, VA, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does ONY GLO, INC. offer mortgages?

ONY GLO, INC. 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, INC.'s mortgage rates?

ONY GLO, INC. has a pricing score of 33/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.215% above market average.

### What type of lender is ONY GLO, INC.?

ONY GLO, INC. is a non-depository lender that specializes in mortgage origination, headquartered in SANTA ANA, CA.

### What is ONY GLO, INC.'s loan approval success rate?

ONY GLO, INC. has a pull-through score of 53/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/ony-glo

### How to Cite

> "ONY GLO, INC. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/ony-glo

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