Synergy Bank mortgage approval rate & lending review
Synergy Bank decided 577 mortgage applications and funded 528 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Synergy Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Synergy Bank at a glance
Approval is 17.3 points above the 80.1% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 68% | 17 / 25 | 82% | $225K | 14 |
| Refinance | 98% | 54 / 55 | 94% | $75K | 51 |
| Investment property purchase | 98% | 158 / 161 | 87% | $105K | 138 |
| Investment refinance | 99% | 319 / 321 | 97% | $75K | 311 |
Synergy Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Louisiana | 97% | $75K | 571 | 523 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Synergy Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| East Baton Rouge Parish, LA | Investment refinance | 99% | 83 | 79 |
| East Baton Rouge Parish, LA | Investment property purchase | 100% | 41 | 36 |
| Terrebonne Parish, LA | Refinance | 97% | 33 | 31 |
| Terrebonne Parish, LA | Mortgage lenders | 65% | 23 | 12 |
The county markets where Synergy Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Synergy Bank
What is Synergy Bank's mortgage approval rate?
Synergy Bank approved 97.4% of the 577 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 17.3 points above the 80.1% national rate for the same mix of loan types.
How often do borrowers take the loan Synergy Bank offers?
Borrowers accepted 94% of the loans Synergy Bank approved, against 92% for all investment property refinance lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Synergy Bank make?
The typical investment property refinance loan Synergy Bank made was $75K; across all loan types its typical loan ran from $75K to $225K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Synergy Bank lend?
Synergy Bank decided applications in 4 of the states Fat Boy Data covers, most of them in Louisiana, Mississippi and Florida.
Can I apply to Synergy Bank directly?
Yes. Synergy Bank is a bank or credit union with 10 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Synergy Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Synergy Bank treats applications, then get a rate quote from the lender.