Synergy One Lending, Inc. mortgage approval rate & lending review
Synergy One Lending, Inc. decided 16,316 mortgage applications and funded 14,967 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Synergy One Lending, Inc. reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Synergy One Lending, Inc. at a glance
Approval is 7.6 points above the 84.9% 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 | 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 |
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 One Lending, Inc. lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Ada County, ID | Mortgage lenders | 98% | 578 | 567 |
| Cuyahoga County, OH | Mortgage lenders | 93% | 605 | 562 |
| San Diego County, CA | Mortgage lenders | 97% | 406 | 392 |
| Summit County, OH | Mortgage lenders | 95% | 355 | 336 |
| Stanislaus County, CA | Mortgage lenders | 99% | 305 | 298 |
| Denver County, CO | Mortgage lenders | 96% | 309 | 296 |
| Arapahoe County, CO | Mortgage lenders | 98% | 302 | 295 |
| Canyon County, ID | Mortgage lenders | 97% | 300 | 290 |
| Hidalgo County, TX | Mortgage lenders | 90% | 316 | 284 |
| Marion County, OR | Mortgage lenders | 95% | 297 | 281 |
| Adams County, CO | Mortgage lenders | 96% | 292 | 279 |
| East Baton Rouge Parish, LA | Mortgage lenders | 96% | 239 | 230 |
The county markets where Synergy One Lending, Inc. made the most loans. Each link opens that market with every lender ranked.
Questions about Synergy One Lending, Inc.
What is Synergy One Lending, Inc.'s mortgage approval rate?
Synergy One Lending, Inc. approved 92.5% of the 16,316 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 7.6 points above the 84.9% national rate for the same mix of loan types.
How often do borrowers take the loan Synergy One Lending, Inc. offers?
Borrowers accepted 99% of the loans Synergy One Lending, Inc. approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Synergy One Lending, Inc. make?
The typical home purchase mortgage loan Synergy One Lending, Inc. made was $335K; across all loan types its typical loan ran from $105K to $455K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Synergy One Lending, Inc. lend?
Synergy One Lending, Inc. decided applications in 46 of the states Fat Boy Data covers, most of them in California, Texas and Ohio.
Can I apply to Synergy One Lending, Inc. directly?
Yes. Synergy One Lending, Inc. reports as a direct lender that takes applications from borrowers.
Does this page show Synergy One Lending, Inc.'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 One Lending, Inc. treats applications, then get a rate quote from the lender.