Ony Glo in California vs the state
38.2%Denial rate+20.77 pts vs state
40.3%Decision denial rate+17.89 pts vs state
56.5%Origination rate+0.29 pts vs state
6.63%Median rate0.00 pts vs state
0.18Rate spread (pts)-0.09 pts vs state
$194kMedian applicant income
531Loans originated
359Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 763 | 432 | 36.7% | 6.63% | #160 |
| 2024 | 769 | 508 | 25.9% | 6.88% | #189 |
| 2025 | 940 | 531 | 38.2% | 6.63% | #178 |
What Ony Glo lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Ony Glo applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 288 | 167 | 108 | 37.5% |
| Orange County | 184 | 103 | 68 | 37.0% |
| San Bernardino County | 143 | 75 | 59 | 41.3% |
| Riverside County | 97 | 52 | 43 | 44.3% |
| San Diego County | 49 | 25 | 20 | 40.8% |
| Santa Clara County | 30 | 23 | 4 | 13.3% |
| Alameda County | 26 | 18 | 7 | 26.9% |
| Kern County | 11 | 3 | 7 | 63.6% |
| Placer County | 11 | 8 | 3 | 27.3% |
| Contra Costa County | 11 | 8 | 3 | 27.3% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 940 applications in 2025, of which 531 were originated and 359 denied.
38.2% of all applications, or 40.3% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Ony Glo originated in California in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Ony Glo's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology