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O
ONY GLO, INC.
Independent Mortgage Company|SANTA ANA, CA|Near-National
Loans Originated
609
Applications
941
Volume
$359 million
Offers loans directly to consumersSources loans from independent brokers
Overall Pricing
Acceptable
Overall Pull Through
Sound
Pricing and Pullthrough Overview
Average Rate Spread
+0.215%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$2,670
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
64.7%
Percentage of applications that result in closed loans
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
Report Card
ONY GLO, INC. performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Acceptable | Near industry average | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Sound | Industry Standard | |
FHA | Strong | Highly Competitive | |
VA | Sound | Industry Standard | |
Jumbo | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Sound | Industry Standard | |
Refinance | Sound | Industry Standard | |
Places Geographic coverage | Sound | Near-National · 10 metro areas · 29 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$590,402
Average Borrower Income
$261,813
Average Property Value
$843,851
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% | $2,699 |
FHA Loans | Sound | Strong | Sound | Sound | 85 | 14.0% | +0.382% | $3,053 |
VA Loans | Sound | Sound | N/A | Sound | 20 | 3.3% | -0.475% | $1,703 |
Jumbo Loans | Sound | Strong | Acceptable | Sound | 58 | 9.5% | +0.223% | $2,093 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Sound | Acceptable | Sound | 494 | 81.1% | +0.223% | $2,851 |
Refinance | Sound | Sound | Acceptable | Sound | 115 | 18.9% | +0.183% | $1,915 |
Geographic Coverage
Metro Areas
9
States Served
29
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
ARAZCACODCFLGAIDILINLAMAMDMIMNMSNCNJNVOHOKORPASCTNTXUTVAWA
Top Metro Areas by Place Specialization Score
1
Los Angeles, CAMSA
Volume: 136Mix: 22.33%
Place Specialization
Strong
2
Riverside, CAMSA
Volume: 125Mix: 20.53%
Place Specialization
Strong
3
Anaheim, CAMSA
Volume: 58Mix: 9.52%
Place Specialization
Strong
4
Las Vegas, NVMSA
Volume: 29Mix: 4.76%
Place Specialization
Sound
5
Tucson, AZ, AZMSA
Volume: 20Mix: 3.28%
Place Specialization
Sound
6
Oakland, CAMSA
Volume: 19Mix: 3.12%
Place Specialization
Sound
7
San Diego, CAMSA
Volume: 19Mix: 3.12%
Place Specialization
Sound
8
San Jose, CAMSA
Volume: 15Mix: 2.46%
Place Specialization
Sound
9
Atlanta, GAMSA
Volume: 10Mix: 1.64%
Place Specialization
Acceptable
Top States by Place Specialization Score
1
CAState
Volume: 406Mix: 66.67%
Place Specialization
Strong
2
NVState
Volume: 32Mix: 5.25%
Place Specialization
Sound
3
AZState
Volume: 33Mix: 5.42%
Place Specialization
Sound
4
WAState
Volume: 14Mix: 2.30%
Place Specialization
Sound
5
GAState
Volume: 13Mix: 2.13%
Place Specialization
Sound
6
TNState
Volume: 12Mix: 1.97%
Place Specialization
Acceptable
7
ORState
Volume: 10Mix: 1.64%
Place Specialization
Acceptable
8
TXState
Volume: 16Mix: 2.63%
Place Specialization
Acceptable
9
FLState
Volume: 13Mix: 2.13%
Place Specialization
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)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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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