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 score and performance metrics.

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 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, INC.?

ONY GLO, INC. is a Independent Mortgage Company headquartered in SANTA ANA, CA.

Unclaimed

Ony Glo, Inc.

Independent Mortgage Company•SANTA ANA, CA•Direct to Consumer

We analyzed every closed loan from Ony Glo — 609 loans across 941 applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.

Pricing

Acceptable

vs. all lenders

Pull Through

Sound

closing strength

Products

Strong

FHA · Conventional · VA · Jumbo

Place

Sound

Near-National · 9 mkts

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Safe Rate's 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, Inc. performance at a glance

Category	Score	vs. Peers
Overall Performance· Pricing & closing strength
Pricing Rate competitiveness	Acceptable	Near industry average +21.5 bps above market avg
Pull Through Closing strength	Sound	Industry Standard Top 60% of lenders
By Loan Product· Specialization by type
Conventional	Sound	Industry Standard Top 60% of lenders
FHA	Strong	Highly Competitive Top 40% of lenders
VA	Sound	Industry Standard Top 60% of lenders
Jumbo	Strong	Highly Competitive Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase	Sound	Industry Standard Top 60% of lenders
Refinance	Sound	Industry Standard Top 60% of lenders
By Location· Geographic coverage
Geographic Reach Coverage footprint	Sound	Industry Standard Top 60% of lenders Near-National10 markets

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

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

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

States Served

We count Washington DC as a state

Avg Place Specialization

Sound

States with Loan Originations

ARAZCACODCFLGAIDILINLAMAMDMIMNMSNCNJNVOHOKORPASCTNTXUTVAWA

Top Metro Areas by Place Specialization Score

Los Angeles, CAMSA

Volume: 136Mix: 22.33%of portfolio

Place

Strong

Riverside, CAMSA

Volume: 125Mix: 20.53%of portfolio

Place

Strong

Anaheim, CAMSA

Volume: 58Mix: 9.52%of portfolio

Place

Strong

Las Vegas, NVMSA

Volume: 29Mix: 4.76%of portfolio

Place

Sound

Tucson, AZ, AZMSA

Volume: 20Mix: 3.28%of portfolio

Place

Sound

Oakland, CAMSA

Volume: 19Mix: 3.12%of portfolio

Place

Sound

San Diego, CAMSA

Volume: 19Mix: 3.12%of portfolio

Place

Sound

San Jose, CAMSA

Volume: 15Mix: 2.46%of portfolio

Place

Sound

Atlanta, GAMSA

Volume: 10Mix: 1.64%of portfolio

Place

Acceptable

Top States by Place Specialization Score

CAState

Volume: 406Mix: 66.67%of portfolio

Place

Strong

NVState

Volume: 32Mix: 5.25%of portfolio

Place

Sound

AZState

Volume: 33Mix: 5.42%of portfolio

Place

Sound

WAState

Volume: 14Mix: 2.30%of portfolio

Place

Sound

GAState

Volume: 13Mix: 2.13%of portfolio

Place

Sound

TNState

Volume: 12Mix: 1.97%of portfolio

Place

Acceptable

ORState

Volume: 10Mix: 1.64%of portfolio

Place

Acceptable

TXState

Volume: 16Mix: 2.63%of portfolio

Place

Acceptable

FLState

Volume: 13Mix: 2.13%of portfolio

Place

Acceptable

How We Rank Lenders

Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.

Our Point System (Max 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

Product

Specialization in the loan type (33%)

💎

Champion(80%+ = 24-30 points)

⭐

Superstar(60-79% = 18-23 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 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

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.