Synergy One Lending, Inc. received 11,752 applications in 2025 and made
8,115 mortgages, in 797 counties across 47 states.
The median rate its borrowers got was 6.625% on a median loan of $285,000.
Of 8,877 decisions, 708 were denials — 8.0%, most often for debt-to-income ratio.
Legal Entity Identifier
2549004FXPNKCLIN8250
Applications received
11,752
Mortgages made
8,115
Denied
708
Approved, not taken up
54
Withdrawn or incomplete
2,875
Loans bought from other lenders
0
Median rate spread over the prime offer rate
0.412 points
FDIC-insured bank
This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name.
By loan purpose
Purpose
Mortgages made
Median rate
Median loan
Denied
Home purchase
6,924
6.625%
$285,000
6.5%
Refinancing
583
6.375%
$425,000
12.4%
Cash-out refinancing
580
6.990%
$255,000
18.1%
Other purposes
28
6.933%
$205,000
26.3%
Where Synergy One Lending, Inc. lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
When Synergy One Lending, Inc.’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act
loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application
a covered lender received, as the lender reported it. A median rate is what borrowers got, not what
you will be offered — it depends on the loan, the property, your credit and the market on the day,
and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.