Lender profile · HMDA 2023–2025
Synergy One Lending, Inc. mortgage approval rates & lending data
Synergy One Lending, Inc. decided 16,316 mortgage applications and funded 14,967 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 95% | 12,018 / 12,681 | 100% | $335K | 11,975 |
| Home improvement loans | 68% | 308 / 456 | 77% | $105K | 238 |
| Cash-out refinance | 85% | 746 / 873 | 100% | $275K | 743 |
| Refinance | 86% | 670 / 775 | 99% | $455K | 666 |
| Investment property purchase | 92% | 993 / 1,077 | 100% | $265K | 989 |
| Investment cash-out refinance | 81% | 230 / 285 | 100% | $205K | 230 |
| Investment refinance | 80% | 94 / 118 | 100% | $315K | 94 |
| Investment home improvement | 80% | 41 / 51 | 78% | $125K | 32 |
Synergy One Lending, Inc. lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| California | 93% | $665K | 2,833 | 2,594 |
| Texas | 91% | $285K | 2,489 | 2,257 |
| Ohio | 93% | $185K | 2,383 | 2,188 |
| Colorado | 95% | $405K | 2,001 | 1,896 |
| Idaho | 96% | $405K | 1,263 | 1,209 |
| Washington | 91% | $325K | 989 | 891 |
| Oregon | 93% | $405K | 870 | 808 |
| Louisiana | 95% | $245K | 817 | 767 |
| Illinois | 88% | $165K | 417 | 368 |
| Arizona | 91% | $405K | 401 | 364 |
| Missouri | 89% | $205K | 215 | 190 |
| Alabama | 92% | $315K | 186 | 169 |
| Florida | 82% | $345K | 186 | 152 |
| Nevada | 92% | $405K | 170 | 154 |
| Utah | 91% | $455K | 148 | 132 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.