Applications / Mortgage Analytics / Lenders / California / ONY GLO
Los Angeles, CA · Independent non-bank lender · CFPB · 864 loans in 2025
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864
loans originated, 2025
1,652
applications, 2025
27
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
ONY GLO, a California lender, makes bigger loans than most similar lenders and does more than half its lending in majority-minority neighborhoods, though its 864 loans in 2025 are far below the 7,596 of 2020.
Its typical loan was $465,000, against $325,000 for similar lenders, meaning independent non-bank lenders making between half and twice as many loans. That is larger than more than four in five of them. Jumbo loans (larger than the conforming limit) made up 7.5% of its lending, against 1.2%. All five of its largest markets are in California, led by Los Angeles.
Some 56.1% of its loans went to majority-minority neighborhoods, against 24.9% at the typical peer, a higher share than about nine in ten. Fewer of its borrowers had low or moderate incomes: 15.6%, against 26.2%, which may reflect its larger loans.
Conventional loans made up 88.3% of its lending, against 67.8% at peers. Only 9.7% were insured by the Federal Housing Administration, against 21.3%. Purchases and refinances were close to even, at 56.5% and 43.5% of its loans.
It made 7,596 loans in 2020 and 5,429 in 2021, then fell to 671 by 2023. It has grown since: up 15% last year, against 2% for similar lenders and 10% for the market. A lender that refinances as much as it does, 43.5% of its loans, may see its volume rise and fall with interest rates.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. ONY GLO took 1,652 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 56.5% · Refinance 43.5%
Conventional 88.3% · FHA 9.7% · VA 2.0% · of 864 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| California | 531 | 61.5% |
| Arizona | 75 | 8.7% |
| Florida | 44 | 5.1% |
| Texas | 33 | 3.8% |
| Nevada | 32 | 3.7% |
| Washington | 21 | 2.4% |
| Tennessee | 14 | 1.6% |
| Illinois | 12 | 1.4% |
| Minnesota | 11 | 1.3% |
| Virginia | 11 | 1.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Los Angeles-Long Beach-Glendale | 167 |
| Riverside-San Bernardino-Ontario | 127 |
| Anaheim-Santa Ana-Irvine | 103 |
| Tucson | 51 |
| Las Vegas-Henderson-North Las Vegas | 29 |
| Oakland-Fremont-Berkeley | 26 |
| San Diego-Chula Vista-Carlsbad | 25 |
| San Jose-Sunnyvale-Santa Clara | 24 |
| Phoenix-Mesa-Chandler | 18 |
| Sacramento-Roseville-Folsom | 14 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300R4F5COFJE0DN81 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 4438067 | 2013–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7270267182 |
Established 27 May 2009. Reported under HMDA 2011-2025.
Mergers, name changes, data editions and corrections: ONY GLO's data.
ONY GLO's data
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ONY GLO and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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