Synergy One Lending, Inc. Mortgage Lending & HMDA Data, 2025

In 2025, Synergy One Lending, Inc. of San Diego, CA reported 11,752 mortgage applications totaling $4.1 billion, up 35% from 2024. The average application was for $351,297, and applicants reported an average income of $153,418. 69% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Cleveland, OH (1,019), Baton Rouge, LA (702) and Denver-Aurora-Lakewood, CO (654) (applications in parentheses).

Mortgage Company & Address Synergy One Lending, Inc.
3131 Camino Del Rio N. Suite 150
San Diego, CA 92101
Tel #: available with data download
Federal Regulator * available with data download
Years 2025  2024  2023  2022  2021  2020  
Total Number of Mortgage Applications 11,752
Total Mortgage Loan Application Amount $4,128,450,000
Average Mortgage Loan Application Amount $351,297
Highest Mortgage Loan Application Amount $6,505,000
Average Applicant Income $153,418
Highest Applicant Income $6,561,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Synergy One Lending, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

Mortgage Loan Application Totals for Synergy One Lending, Inc. by County in 2025

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Cuyahoga, Ohio 652 $ 127,810,000 $ 196,027 $ 95,000
Hidalgo, Texas 417 $ 99,905,000 $ 239,580 $ 96,000
East Baton Rouge, Louisiana 355 $ 102,695,000 $ 289,281 $ 156,000
Summit, Ohio 302 $ 59,190,000 $ 195,993 $ 104,000
Ada, Idaho 267 $ 118,825,000 $ 445,037 $ 175,000
Yakima, Washington 230 $ 67,440,000 $ 293,217 $ 110,000
Harris, Texas 218 $ 77,190,000 $ 354,082 $ 179,000
San Diego, California 201 $ 154,575,000 $ 769,029 $ 310,000
Cameron, Texas 185 $ 43,865,000 $ 237,108 $ 116,000
Marion, Oregon 172 $ 69,680,000 $ 405,116 $ 136,000
Denver, Colorado 157 $ 82,955,000 $ 528,375 $ 241,000
Arapahoe, Colorado 155 $ 57,525,000 $ 371,129 $ 145,000
Bexar, Texas 155 $ 43,385,000 $ 279,903 $ 125,000
Livingston, Louisiana 147 $ 35,745,000 $ 243,163 $ 102,000
Lake, Ohio 143 $ 26,555,000 $ 185,699 $ 86,000
Ascension, Louisiana 140 $ 40,770,000 $ 291,214 $ 133,000
Canyon, Idaho 131 $ 42,955,000 $ 327,900 $ 105,000
Stanislaus, California 127 $ 46,185,000 $ 363,661 $ 147,000
Jefferson, Colorado 127 $ 66,695,000 $ 525,157 $ 204,000
McLean, Illinois 114 $ 20,690,000 $ 181,491 $ 86,000
Clark, Nevada 114 $ 60,410,000 $ 529,912 $ 252,000
Maricopa, Arizona 112 $ 58,490,000 $ 522,232 $ 244,000
Adams, Colorado 109 $ 39,605,000 $ 363,348 $ 128,000
King, Washington 106 $ 56,260,000 $ 530,754 $ 166,000
Dallas, Texas 103 $ 36,675,000 $ 356,067 $ 135,000
Spokane, Washington 103 $ 27,565,000 $ 267,621 $ 101,000
Bonneville, Idaho 102 $ 29,350,000 $ 287,745 $ 162,000
Pierce, Washington 97 $ 37,385,000 $ 385,412 $ 122,000
Lorain, Ohio 94 $ 20,040,000 $ 213,191 $ 96,000
Stark, Ohio 91 $ 18,515,000 $ 203,461 $ 108,000
Sonoma, California 90 $ 64,020,000 $ 711,333 $ 241,000
Santa Clara, California 87 $ 94,115,000 $ 1,081,781 $ 493,000
Douglas, Colorado 85 $ 59,185,000 $ 696,294 $ 261,000
Union, Oregon 85 $ 21,495,000 $ 252,882 $ 105,000
Caddo, Louisiana 80 $ 14,400,000 $ 180,000 $ 100,000
Medina, Ohio 80 $ 21,830,000 $ 272,875 $ 135,000
Los Angeles, California 79 $ 75,725,000 $ 958,544 $ 441,000
Hamilton, Ohio 74 $ 18,510,000 $ 250,135 $ 104,000
Clark, Washington 74 $ 28,060,000 $ 379,189 $ 146,000
Cook, Illinois 71 $ 19,915,000 $ 280,492 $ 129,000
Cowlitz, Washington 71 $ 22,465,000 $ 316,408 $ 118,000
Butler, Ohio 70 $ 19,990,000 $ 285,571 $ 116,000
Montgomery, Texas 69 $ 26,175,000 $ 379,347 $ 173,000
Portage, Ohio 67 $ 13,995,000 $ 208,880 $ 87,000
Cascade, Montana 65 $ 14,885,000 $ 229,000 $ 94,000
Polk, Oregon 65 $ 27,465,000 $ 422,538 $ 132,000
Monterey, California 64 $ 57,060,000 $ 891,562 $ 410,000
Tarrant, Texas 64 $ 23,780,000 $ 371,562 $ 153,000
Baldwin, Alabama 61 $ 24,515,000 $ 401,885 $ 202,000
Yavapai, Arizona 60 $ 22,410,000 $ 373,500 $ 556,000
Jackson, Missouri 60 $ 12,390,000 $ 206,500 $ 89,000
Lane, Oregon 60 $ 21,450,000 $ 357,500 $ 119,000
Linn, Oregon 60 $ 21,290,000 $ 354,833 $ 117,000
Galveston, Texas 57 $ 17,555,000 $ 307,982 $ 120,000
Boulder, Colorado 55 $ 37,015,000 $ 673,000 $ 246,000
Bossier, Louisiana 55 $ 14,165,000 $ 257,545 $ 125,000
Contra Costa, California 52 $ 32,710,000 $ 629,038 $ 225,000
Montgomery, Tennessee 52 $ 16,530,000 $ 317,884 $ 125,000
Fort Bend, Texas 51 $ 17,535,000 $ 343,823 $ 162,000
Tazewell, Illinois 50 $ 5,570,000 $ 111,400 $ 61,000
St. Tammany, Louisiana 48 $ 13,130,000 $ 273,541 $ 115,000
Lewis and Clark, Montana 47 $ 17,565,000 $ 373,723 $ 124,000
Brazoria, Texas 47 $ 14,855,000 $ 316,063 $ 134,000
Riverside, California 46 $ 19,040,000 $ 413,913 $ 177,000
Nez Perce, Idaho 45 $ 11,915,000 $ 264,777 $ 108,000
Collin, Texas 44 $ 19,510,000 $ 443,409 $ 190,000
Multnomah, Oregon 43 $ 18,805,000 $ 437,325 $ 129,000
Umatilla, Oregon 43 $ 13,005,000 $ 302,441 $ 119,000
Travis, Texas 43 $ 24,765,000 $ 575,930 $ 222,000
San Joaquin, California 42 $ 19,620,000 $ 467,142 $ 143,000
Weld, Colorado 42 $ 15,830,000 $ 376,904 $ 119,000
Jefferson, Idaho 41 $ 12,585,000 $ 306,951 $ 98,000
Essex, Massachusetts 41 $ 20,165,000 $ 491,829 $ 175,000
Navarro, Texas 41 $ 8,955,000 $ 218,414 $ 111,000
Alameda, California 39 $ 27,475,000 $ 704,487 $ 297,000
McHenry, Illinois 39 $ 11,835,000 $ 303,461 $ 158,000
Peoria, Illinois 39 $ 5,245,000 $ 134,487 $ 87,000
El Paso, Colorado 38 $ 12,910,000 $ 339,736 $ 120,000
Cape Girardeau, Missouri 37 $ 6,475,000 $ 175,000 $ 69,000
Middlesex, Massachusetts 34 $ 16,510,000 $ 485,588 $ 172,000
Flathead, Montana 34 $ 14,720,000 $ 432,941 $ 367,000
Missoula, Montana 34 $ 13,980,000 $ 411,176 $ 148,000
Warren, Ohio 34 $ 11,840,000 $ 348,235 $ 144,000
Nevada, California 32 $ 22,650,000 $ 707,812 $ 313,000
Larimer, Colorado 32 $ 15,350,000 $ 479,687 $ 154,000
Denton, Texas 32 $ 17,270,000 $ 539,687 $ 338,000
Bingham, Idaho 31 $ 9,265,000 $ 298,870 $ 99,000
Clackamas, Oregon 31 $ 16,345,000 $ 527,258 $ 223,000
Howard, Texas 31 $ 6,135,000 $ 197,903 $ 89,000
Medina, Texas 31 $ 7,355,000 $ 237,258 $ 100,000
Madison, Idaho 30 $ 9,340,000 $ 311,333 $ 101,000
Hennepin, Minnesota 28 $ 10,110,000 $ 361,071 $ 251,000
Park, Montana 28 $ 12,890,000 $ 460,357 $ 135,000
Placer, California 26 $ 17,720,000 $ 681,538 $ 300,000
Geauga, Ohio 26 $ 7,340,000 $ 282,307 $ 117,000
Trumbull, Ohio 26 $ 3,100,000 $ 119,230 $ 61,000
Washington, Oregon 26 $ 12,770,000 $ 491,153 $ 199,000
Logan, Illinois 25 $ 2,445,000 $ 97,800 $ 62,000
Washoe, Nevada 25 $ 10,825,000 $ 433,000 $ 193,000
Ashtabula, Ohio 24 $ 4,270,000 $ 177,916 $ 75,000
Clermont, Ohio 24 $ 7,420,000 $ 309,166 $ 122,000
Baker, Oregon 24 $ 6,790,000 $ 282,916 $ 87,000
Scurry, Texas 23 $ 2,855,000 $ 124,130 $ 99,000
Waller, Texas 23 $ 9,175,000 $ 398,913 $ 218,000
Benton, Washington 23 $ 9,405,000 $ 408,913 $ 128,000
Snohomish, Washington 23 $ 12,305,000 $ 535,000 $ 150,000
Benton, Oregon 22 $ 9,830,000 $ 446,818 $ 149,000
Wasco, Oregon 22 $ 6,920,000 $ 314,545 $ 153,000
Coconino, Arizona 21 $ 10,805,000 $ 514,523 $ 248,000
DuPage, Illinois 21 $ 6,975,000 $ 332,142 $ 132,000
Jefferson, Louisiana 21 $ 5,295,000 $ 252,142 $ 155,000
Scott, Missouri 21 $ 2,705,000 $ 128,809 $ 65,000
Manatee, Florida 20 $ 10,840,000 $ 542,000 $ 540,000
Calcasieu, Louisiana 20 $ 3,640,000 $ 182,000 $ 110,000
Kittitas, Washington 20 $ 6,290,000 $ 314,500 $ 128,000
Stevens, Washington 20 $ 5,760,000 $ 288,000 $ 106,000
Sarasota, Florida 19 $ 6,485,000 $ 341,315 $ 285,000
Orange, California 18 $ 15,790,000 $ 877,222 $ 383,000
San Bernardino, California 18 $ 7,020,000 $ 390,000 $ 206,000
San Francisco, California 18 $ 27,740,000 $ 1,541,111 $ 505,000
Ravalli, Montana 18 $ 5,880,000 $ 326,666 $ 110,000
Columbiana, Ohio 18 $ 2,730,000 $ 151,666 $ 82,000
Henderson, Texas 18 $ 4,920,000 $ 273,333 $ 154,000
West Baton Rouge, Louisiana 17 $ 4,335,000 $ 255,000 $ 130,000
Clay, Missouri 17 $ 3,705,000 $ 217,941 $ 124,000
Mahoning, Ohio 17 $ 2,725,000 $ 160,294 $ 85,000
Yamhill, Oregon 17 $ 7,005,000 $ 412,058 $ 143,000
El Dorado, California 16 $ 10,620,000 $ 663,750 $ 277,000
Merced, California 16 $ 4,860,000 $ 303,750 $ 104,000
Grand, Colorado 16 $ 8,530,000 $ 533,125 $ 269,000
Iberville, Louisiana 16 $ 3,730,000 $ 233,125 $ 108,000
Lafayette, Louisiana 16 $ 3,810,000 $ 238,125 $ 125,000
Franklin, Ohio 16 $ 5,750,000 $ 359,375 $ 340,000
Starr, Texas 16 $ 2,690,000 $ 168,125 $ 82,000
San Mateo, California 15 $ 16,455,000 $ 1,097,000 $ 301,000
Escambia, Florida 15 $ 3,455,000 $ 230,333 $ 114,000
Macon, Illinois 15 $ 1,025,000 $ 68,333 $ 63,000
Wayne, Ohio 15 $ 3,775,000 $ 251,666 $ 101,000
Navajo, Arizona 14 $ 3,430,000 $ 245,000 $ 89,000
Sacramento, California 14 $ 5,620,000 $ 401,428 $ 143,000
Pinellas, Florida 14 $ 7,190,000 $ 513,571 $ 222,000
Gem, Idaho 14 $ 4,980,000 $ 355,714 $ 163,000
Woodford, Illinois 14 $ 1,540,000 $ 110,000 $ 64,000
Pointe Coupee, Louisiana 14 $ 2,620,000 $ 187,142 $ 110,000
Tangipahoa, Louisiana 14 $ 2,990,000 $ 213,571 $ 86,000
Cass, Missouri 14 $ 3,350,000 $ 239,285 $ 101,000
Williamson, Texas 14 $ 6,560,000 $ 468,571 $ 196,000
Rockingham, New Hampshire 13 $ 4,605,000 $ 354,230 $ 141,000
Hood River, Oregon 13 $ 6,785,000 $ 521,923 $ 203,000
Asotin, Washington 13 $ 4,805,000 $ 369,615 $ 148,000
Solano, California 12 $ 4,630,000 $ 385,833 $ 116,000
Santa Rosa, Florida 12 $ 3,940,000 $ 328,333 $ 105,000
Orleans, Louisiana 12 $ 2,750,000 $ 229,166 $ 99,000
Norfolk, Massachusetts 12 $ 6,080,000 $ 506,666 $ 190,000
Worcester, Massachusetts 12 $ 4,580,000 $ 381,666 $ 138,000
Montgomery, Ohio 12 $ 2,620,000 $ 218,333 $ 97,000
Deschutes, Oregon 12 $ 6,280,000 $ 523,333 $ 165,000
Bell, Texas 12 $ 3,440,000 $ 286,666 $ 118,000
Ellis, Texas 12 $ 4,610,000 $ 384,166 $ 150,000
Johnson, Texas 12 $ 5,220,000 $ 435,000 $ 158,000
Midland, Texas 12 $ 3,410,000 $ 284,166 $ 198,000
Chittenden, Vermont 12 $ 5,590,000 $ 465,833 $ 176,000
Kitsap, Washington 12 $ 5,560,000 $ 463,333 $ 162,000
Lewis, Washington 12 $ 3,750,000 $ 312,500 $ 94,000
Fresno, California 11 $ 3,285,000 $ 298,636 $ 167,000
Bannock, Idaho 11 $ 2,745,000 $ 249,545 $ 94,000
Champaign, Illinois 11 $ 1,945,000 $ 176,818 $ 86,000
De Witt, Illinois 11 $ 1,275,000 $ 115,909 $ 63,000
Will, Illinois 11 $ 4,425,000 $ 402,272 $ 159,000
McCracken, Kentucky 11 $ 1,695,000 $ 154,090 $ 67,000
Webster, Louisiana 11 $ 1,795,000 $ 163,181 $ 81,000
Ramsey, Minnesota 11 $ 2,775,000 $ 252,272 $ 98,000
St. Louis, Minnesota 11 $ 3,025,000 $ 275,000 $ 101,000
Pearl River, Mississippi 11 $ 2,275,000 $ 206,818 $ 81,000
Stoddard, Missouri 11 $ 1,375,000 $ 125,000 $ 60,000
Guadalupe, Texas 11 $ 2,875,000 $ 261,363 $ 104,000
Kaufman, Texas 11 $ 3,305,000 $ 300,454 $ 160,000
Mitchell, Texas 11 $ 1,405,000 $ 127,727 $ 86,000
Klickitat, Washington 11 $ 5,795,000 $ 526,818 $ 168,000
Santa Cruz, California 10 $ 7,650,000 $ 765,000 $ 326,000
Fremont, Idaho 10 $ 2,410,000 $ 241,000 $ 97,000
Payette, Idaho 10 $ 2,540,000 $ 254,000 $ 74,000
Kane, Illinois 10 $ 3,380,000 $ 338,000 $ 129,000
Lafourche, Louisiana 10 $ 2,400,000 $ 240,000 $ 103,000
Erie, Ohio 10 $ 1,800,000 $ 180,000 $ 79,000
Douglas, Wisconsin 10 $ 2,440,000 $ 244,000 $ 107,000
Mobile, Alabama 9 $ 1,495,000 $ 166,111 $ 132,000
Ventura, California 9 $ 5,305,000 $ 589,444 $ 282,000
Mesa, Colorado 9 $ 1,455,000 $ 161,666 $ 103,000
Honolulu, Hawaii 9 $ 6,415,000 $ 712,777 $ 238,000
Valley, Idaho 9 $ 3,015,000 $ 335,000 $ 321,000
East Feliciana, Louisiana 9 $ 2,915,000 $ 323,888 $ 124,000
Terrebonne, Louisiana 9 $ 1,945,000 $ 216,111 $ 129,000
Dakota, Minnesota 9 $ 3,365,000 $ 373,888 $ 125,000
Hillsborough, New Hampshire 9 $ 3,565,000 $ 396,111 $ 197,000
Clark, Ohio 9 $ 1,195,000 $ 132,777 $ 80,000
Comal, Texas 9 $ 2,735,000 $ 303,888 $ 137,000
Hays, Texas 9 $ 5,445,000 $ 605,000 $ 174,000
Washington, Utah 9 $ 4,275,000 $ 475,000 $ 196,000
Grays Harbor, Washington 9 $ 2,275,000 $ 252,777 $ 97,000
Thurston, Washington 9 $ 3,725,000 $ 413,888 $ 150,000
Napa, California 8 $ 5,110,000 $ 638,750 $ 274,000
Cobb, Georgia 8 $ 2,460,000 $ 307,500 $ 165,000
Clearwater, Idaho 8 $ 1,460,000 $ 182,500 $ 98,000
Livingston, Illinois 8 $ 770,000 $ 96,250 $ 63,000
Johnson, Kansas 8 $ 2,460,000 $ 307,500 $ 133,000
Iberia, Louisiana 8 $ 980,000 $ 122,500 $ 55,000
York, Maine 8 $ 4,450,000 $ 556,250 $ 211,000
Hancock, Mississippi 8 $ 2,050,000 $ 256,250 $ 258,000
Clinton, Ohio 8 $ 1,470,000 $ 183,750 $ 68,000
Atascosa, Texas 8 $ 2,350,000 $ 293,750 $ 125,000
Jefferson, Texas 8 $ 1,800,000 $ 225,000 $ 119,000
McLennan, Texas 8 $ 1,670,000 $ 208,750 $ 98,000
Rockwall, Texas 8 $ 3,380,000 $ 422,500 $ 212,000
Franklin, Washington 8 $ 3,030,000 $ 378,750 $ 151,000
Grant, Washington 8 $ 2,010,000 $ 251,250 $ 92,000
Pinal, Arizona 7 $ 2,245,000 $ 320,714 $ 355,000
Kern, California 7 $ 2,235,000 $ 319,285 $ 98,000
Marin, California 7 $ 4,985,000 $ 712,142 $ 269,000
Hillsborough, Florida 7 $ 4,235,000 $ 605,000 $ 301,000
Latah, Idaho 7 $ 3,235,000 $ 462,142 $ 143,000
Lake, Illinois 7 $ 1,575,000 $ 225,000 $ 177,000
Winnebago, Illinois 7 $ 1,085,000 $ 155,000 $ 78,000
Sedgwick, Kansas 7 $ 1,655,000 $ 236,428 $ 117,000
Calloway, Kentucky 7 $ 1,915,000 $ 273,571 $ 107,000
St. Charles, Louisiana 7 $ 1,955,000 $ 279,285 $ 106,000
St. John the Baptist, Louisiana 7 $ 1,515,000 $ 216,428 $ 83,000
Platte, Missouri 7 $ 2,255,000 $ 322,142 $ 119,000
Yellowstone, Montana 7 $ 2,465,000 $ 352,142 $ 109,000
Douglas, Nevada 7 $ 6,795,000 $ 970,714 $ 262,000
Belmont, Ohio 7 $ 805,000 $ 115,000 $ 61,000
Lincoln, Oregon 7 $ 2,875,000 $ 410,714 $ 135,000
Williamson, Tennessee 7 $ 7,125,000 $ 1,017,857 $ 395,000
Austin, Texas 7 $ 2,295,000 $ 327,857 $ 115,000
Mason, Washington 7 $ 3,025,000 $ 432,142 $ 258,000
Calaveras, California 6 $ 2,370,000 $ 395,000 $ 192,000
Yolo, California 6 $ 2,280,000 $ 380,000 $ 138,000
Broomfield, Colorado 6 $ 2,630,000 $ 438,333 $ 123,000
Elbert, Colorado 6 $ 3,090,000 $ 515,000 $ 186,000
Sedgwick, Colorado 6 $ 760,000 $ 126,666 $ 65,000
Lee, Florida 6 $ 2,150,000 $ 358,333 $ 108,000
Kootenai, Idaho 6 $ 2,310,000 $ 385,000 $ 118,000
Owyhee, Idaho 6 $ 1,540,000 $ 256,666 $ 81,000
Boone, Kentucky 6 $ 1,180,000 $ 196,666 $ 88,000
Suffolk, Massachusetts 6 $ 3,110,000 $ 518,333 $ 292,000
Aitkin, Minnesota 6 $ 440,000 $ 73,333 $ 61,000
Butler, Missouri 6 $ 1,060,000 $ 176,666 $ 73,000
Teton, Montana 6 $ 1,040,000 $ 173,333 $ 78,000
Mecklenburg, North Carolina 6 $ 1,880,000 $ 313,333 $ 126,000
Fairfield, Ohio 6 $ 1,860,000 $ 310,000 $ 100,000
Crook, Oregon 6 $ 2,960,000 $ 493,333 $ 133,000
Douglas, Oregon 6 $ 1,830,000 $ 305,000 $ 222,000
Davidson, Tennessee 6 $ 2,590,000 $ 431,666 $ 110,000
Gaines, Texas 6 $ 2,390,000 $ 398,333 $ 268,000
Parker, Texas 6 $ 2,150,000 $ 358,333 $ 140,000
Wilson, Texas 6 $ 3,520,000 $ 586,666 $ 204,000
Okanogan, Washington 6 $ 760,000 $ 126,666 $ 66,000
Whitman, Washington 6 $ 1,960,000 $ 326,666 $ 248,000
Marshall, Alabama 5 $ 2,805,000 $ 561,000 $ 127,000
Apache, Arizona 5 $ 2,085,000 $ 417,000 $ 121,000
Pima, Arizona 5 $ 1,845,000 $ 369,000 $ 143,000
Park, Colorado 5 $ 2,145,000 $ 429,000 $ 143,000
Pueblo, Colorado 5 $ 1,215,000 $ 243,000 $ 82,000
Broward, Florida 5 $ 2,315,000 $ 463,000 $ 234,000
Flagler, Florida 5 $ 1,335,000 $ 267,000 $ 211,000
Sumter, Florida 5 $ 1,615,000 $ 323,000 $ 137,000
Fulton, Georgia 5 $ 1,785,000 $ 357,000 $ 169,000
Maui, Hawaii 5 $ 2,925,000 $ 585,000 $ 30,000
Christian, Kentucky 5 $ 1,155,000 $ 231,000 $ 79,000
Marshall, Kentucky 5 $ 685,000 $ 137,000 $ 81,000
Baltimore City, Maryland 5 $ 995,000 $ 199,000 $ 150,000
Plymouth, Massachusetts 5 $ 1,455,000 $ 291,000 $ 317,000
Harrison, Mississippi 5 $ 1,705,000 $ 341,000 $ 206,000
Buchanan, Missouri 5 $ 685,000 $ 137,000 $ 76,000
New Madrid, Missouri 5 $ 765,000 $ 153,000 $ 85,000
Carson City, Nevada 5 $ 2,275,000 $ 455,000 $ 208,000
Dona Ana, New Mexico 5 $ 1,145,000 $ 229,000 $ 89,000
Carroll, Ohio 5 $ 1,135,000 $ 227,000 $ 133,000
Huron, Ohio 5 $ 1,125,000 $ 225,000 $ 100,000
Licking, Ohio 5 $ 1,495,000 $ 299,000 $ 95,000
Lucas, Ohio 5 $ 775,000 $ 155,000 $ 95,000
Muskingum, Ohio 5 $ 965,000 $ 193,000 $ 78,000
Coos, Oregon 5 $ 1,735,000 $ 347,000 $ 139,000
Anderson, Texas 5 $ 1,445,000 $ 289,000 $ 139,000
Freestone, Texas 5 $ 1,295,000 $ 259,000 $ 111,000
Smith, Texas 5 $ 945,000 $ 189,000 $ 96,000
Wharton, Texas 5 $ 1,605,000 $ 321,000 $ 997,000
Iron, Utah 5 $ 2,915,000 $ 583,000 $ 342,000
Skamania, Washington 5 $ 1,795,000 $ 359,000 $ 165,000
Kenosha, Wisconsin 5 $ 1,205,000 $ 241,000 $ 77,000
Madison, Alabama 4 $ 910,000 $ 227,500 $ 120,000
San Luis Obispo, California 4 $ 3,760,000 $ 940,000 $ 363,000
Alamosa, Colorado 4 $ 580,000 $ 145,000 $ 94,000
Clear Creek, Colorado 4 $ 2,410,000 $ 602,500 $ 203,000
Morgan, Colorado 4 $ 1,320,000 $ 330,000 $ 106,000
Collier, Florida 4 $ 3,800,000 $ 950,000 $ 486,000
Polk, Florida 4 $ 1,070,000 $ 267,500 $ 97,000
Clayton, Georgia 4 $ 480,000 $ 120,000 $ 66,000
Fayette, Georgia 4 $ 830,000 $ 207,500 $ 113,000
Boise, Idaho 4 $ 930,000 $ 232,500 $ 133,000
Lemhi, Idaho 4 $ 1,360,000 $ 340,000 $ 122,000
Teton, Idaho 4 $ 3,260,000 $ 815,000 $ 256,000
Sangamon, Illinois 4 $ 380,000 $ 95,000 $ 48,000
Lake, Indiana 4 $ 780,000 $ 195,000 $ 58,000
Graves, Kentucky 4 $ 780,000 $ 195,000 $ 73,000
Kenton, Kentucky 4 $ 810,000 $ 202,500 $ 127,000
Ingham, Michigan 4 $ 620,000 $ 155,000 $ 207,000
Anoka, Minnesota 4 $ 980,000 $ 245,000 $ 100,000
Itasca, Minnesota 4 $ 290,000 $ 72,500 $ 39,000
Scott, Minnesota 4 $ 2,350,000 $ 587,500 $ 304,000
Bates, Missouri 4 $ 450,000 $ 112,500 $ 87,000
Johnson, Missouri 4 $ 530,000 $ 132,500 $ 84,000
Pemiscot, Missouri 4 $ 400,000 $ 100,000 $ 45,000
Wayne, Missouri 4 $ 740,000 $ 185,000 $ 86,000
Nye, Nevada 4 $ 980,000 $ 245,000 $ 151,000
Wake, North Carolina 4 $ 810,000 $ 202,500 $ 145,000
Crawford, Ohio 4 $ 770,000 $ 192,500 $ 76,000
Delaware, Ohio 4 $ 1,320,000 $ 330,000 $ 213,000
Guernsey, Ohio 4 $ 600,000 $ 150,000 $ 105,000
Jefferson, Ohio 4 $ 550,000 $ 137,500 $ 53,000
Columbia, Oregon 4 $ 1,610,000 $ 402,500 $ 125,000
Josephine, Oregon 4 $ 1,620,000 $ 405,000 $ 131,000
Morrow, Oregon 4 $ 1,060,000 $ 265,000 $ 219,000
Dorchester, South Carolina 4 $ 700,000 $ 175,000 $ 123,000
Loudon, Tennessee 4 $ 2,510,000 $ 627,500 $ 261,000
Shelby, Tennessee 4 $ 510,000 $ 127,500 $ 0
Bandera, Texas 4 $ 1,150,000 $ 287,500 $ 78,000
Bastrop, Texas 4 $ 1,410,000 $ 352,500 $ 139,000
Brazos, Texas 4 $ 1,260,000 $ 315,000 $ 107,000
Kendall, Texas 4 $ 3,250,000 $ 812,500 $ 343,000
Nueces, Texas 4 $ 980,000 $ 245,000 $ 178,000
Webb, Texas 4 $ 660,000 $ 165,000 $ 75,000
Davis, Utah 4 $ 2,810,000 $ 702,500 $ 199,000
Salt Lake, Utah 4 $ 3,450,000 $ 862,500 $ 371,000
Pacific, Washington 4 $ 860,000 $ 215,000 $ 112,000
Ashland, Wisconsin 4 $ 1,130,000 $ 282,500 $ 180,000
Milwaukee, Wisconsin 4 $ 680,000 $ 170,000 $ 101,000
Calhoun, Alabama 3 $ 565,000 $ 188,333 $ 150,000
Etowah, Alabama 3 $ 305,000 $ 101,666 $ 45,000
Monroe, Alabama 3 $ 595,000 $ 198,333 $ 54,000
Yuma, Arizona 3 $ 865,000 $ 288,333 $ 1,015,000
Madera, California 3 $ 715,000 $ 238,333 $ 62,000
Mendocino, California 3 $ 1,205,000 $ 401,666 $ 97,000
Tulare, California 3 $ 775,000 $ 258,333 $ 91,000
Lincoln, Colorado 3 $ 1,055,000 $ 351,666 $ 69,000
Mineral, Colorado 3 $ 505,000 $ 168,333 $ 217,000
Montrose, Colorado 3 $ 1,605,000 $ 535,000 $ 215,000
Pitkin, Colorado 3 $ 1,365,000 $ 455,000 $ 3,240,000
Summit, Colorado 3 $ 2,805,000 $ 935,000 $ 513,000
Bartow, Georgia 3 $ 925,000 $ 308,333 $ 136,000
Bibb, Georgia 3 $ 445,000 $ 148,333 $ 45,000
Houston, Georgia 3 $ 545,000 $ 181,666 $ 101,000
Adams, Idaho 3 $ 275,000 $ 91,666 $ 98,000
Blaine, Idaho 3 $ 1,125,000 $ 375,000 $ 88,000
Elmore, Idaho 3 $ 595,000 $ 198,333 $ 92,000
Idaho, Idaho 3 $ 335,000 $ 111,666 $ 224,000
Lewis, Idaho 3 $ 735,000 $ 245,000 $ 82,000
Washington, Idaho 3 $ 385,000 $ 128,333 $ 73,000
Edwards, Illinois 3 $ 95,000 $ 31,666 $ 32,000
LaSalle, Illinois 3 $ 265,000 $ 88,333 $ 36,000
Marshall, Illinois 3 $ 385,000 $ 128,333 $ 53,000
LaPorte, Indiana 3 $ 715,000 $ 238,333 $ 143,000
Jefferson, Kentucky 3 $ 985,000 $ 328,333 $ 133,000
Jefferson Davis, Louisiana 3 $ 1,315,000 $ 438,333 $ 143,000
St. Bernard, Louisiana 3 $ 435,000 $ 145,000 $ 106,000
West Feliciana, Louisiana 3 $ 855,000 $ 285,000 $ 97,000
Cumberland, Maine 3 $ 2,225,000 $ 741,666 $ 382,000
Barnstable, Massachusetts 3 $ 985,000 $ 328,333 $ 271,000
Hillsdale, Michigan 3 $ 605,000 $ 201,666 $ 71,000
Olmsted, Minnesota 3 $ 525,000 $ 175,000 $ 40,000
Bollinger, Missouri 3 $ 515,000 $ 171,666 $ 90,000
Dunklin, Missouri 3 $ 405,000 $ 135,000 $ 58,000
Lafayette, Missouri 3 $ 675,000 $ 225,000 $ 97,000
Ray, Missouri 3 $ 485,000 $ 161,666 $ 92,000
Ste. Genevieve, Missouri 3 $ 295,000 $ 98,333 $ 42,000
Broadwater, Montana 3 $ 545,000 $ 181,666 $ 94,000
Fergus, Montana 3 $ 1,705,000 $ 568,333 $ 173,000
Gallatin, Montana 3 $ 1,065,000 $ 355,000 $ 118,000
Jefferson, Montana 3 $ 1,235,000 $ 411,666 $ 100,000
Scotts Bluff, Nebraska 3 $ 665,000 $ 221,666 $ 107,000
Churchill, Nevada 3 $ 795,000 $ 265,000 $ 87,000
Lyon, Nevada 3 $ 775,000 $ 258,333 $ 82,000
Adams, Ohio 3 $ 405,000 $ 135,000 $ 62,000
Perry, Ohio 3 $ 375,000 $ 125,000 $ 49,000
Richland, Ohio 3 $ 635,000 $ 211,666 $ 119,000
Sandusky, Ohio 3 $ 595,000 $ 198,333 $ 66,000
Oklahoma, Oklahoma 3 $ 765,000 $ 255,000 $ 200,000
Tillamook, Oregon 3 $ 1,815,000 $ 605,000 $ 184,000
Charleston, South Carolina 3 $ 2,005,000 $ 668,333 $ 233,000
Orangeburg, South Carolina 3 $ 355,000 $ 118,333 $ 51,000
Cheatham, Tennessee 3 $ 875,000 $ 291,666 $ 126,000
Chambers, Texas 3 $ 875,000 $ 291,666 $ 115,000
Hunt, Texas 3 $ 1,015,000 $ 338,333 $ 94,000
Palo Pinto, Texas 3 $ 1,875,000 $ 625,000 $ 261,000
San Jacinto, Texas 3 $ 1,285,000 $ 428,333 $ 335,000
Willacy, Texas 3 $ 265,000 $ 88,333 $ 50,000
Franklin, Vermont 3 $ 1,135,000 $ 378,333 $ 148,000
Fairfax, Virginia 3 $ 1,515,000 $ 505,000 $ 229,000
Adams, Washington 3 $ 465,000 $ 155,000 $ 54,000
Clallam, Washington 3 $ 1,655,000 $ 551,666 $ 200,000
Lincoln, Washington 3 $ 455,000 $ 151,666 $ 65,000
Walla Walla, Washington 3 $ 1,105,000 $ 368,333 $ 141,000
Sublette, Wyoming 3 $ 1,115,000 $ 371,666 $ 62,000
Coffee, Alabama 2 $ 700,000 $ 350,000 $ 132,000
Jackson, Alabama 2 $ 1,220,000 $ 610,000 $ 266,000
Jefferson, Alabama 2 $ 460,000 $ 230,000 $ 37,000
Shelby, Alabama 2 $ 870,000 $ 435,000 $ 168,000
Gila, Arizona 2 $ 870,000 $ 435,000 $ 127,000
Graham, Arizona 2 $ 540,000 $ 270,000 $ 128,000
Mohave, Arizona 2 $ 480,000 $ 240,000 $ 151,000
Santa Cruz, Arizona 2 $ 490,000 $ 245,000 $ 137,000
Baxter, Arkansas 2 $ 320,000 $ 160,000 $ 112,000
Pulaski, Arkansas 2 $ 440,000 $ 220,000 $ 67,000
Union, Arkansas 2 $ 470,000 $ 235,000 $ 85,000
Butte, California 2 $ 630,000 $ 315,000 $ 70,000
Imperial, California 2 $ 640,000 $ 320,000 $ 152,000
Plumas, California 2 $ 1,590,000 $ 795,000 $ 272,000
San Benito, California 2 $ 1,480,000 $ 740,000 $ 157,000
Santa Barbara, California 2 $ 2,750,000 $ 1,375,000 $ 82,000
Shasta, California 2 $ 580,000 $ 290,000 $ 62,000
Tuolumne, California 2 $ 610,000 $ 305,000 $ 269,000
Chaffee, Colorado 2 $ 970,000 $ 485,000 $ 336,000
Custer, Colorado 2 $ 680,000 $ 340,000 $ 89,000
Teller, Colorado 2 $ 680,000 $ 340,000 $ 90,000
DeSoto, Florida 2 $ 110,000 $ 55,000 $ 58,000
Lake, Florida 2 $ 970,000 $ 485,000 $ 178,000
Monroe, Florida 2 $ 1,860,000 $ 930,000 $ 580,000
Orange, Florida 2 $ 770,000 $ 385,000 $ 98,000
Osceola, Florida 2 $ 290,000 $ 145,000 $ 44,000
Palm Beach, Florida 2 $ 980,000 $ 490,000 $ 148,000
Volusia, Florida 2 $ 380,000 $ 190,000 $ 70,000
Walton, Florida 2 $ 970,000 $ 485,000 $ 275,000
Bryan, Georgia 2 $ 710,000 $ 355,000 $ 119,000
Gwinnett, Georgia 2 $ 660,000 $ 330,000 $ 135,000
Jones, Georgia 2 $ 260,000 $ 130,000 $ 74,000
Lowndes, Georgia 2 $ 510,000 $ 255,000 $ 48,000
Paulding, Georgia 2 $ 520,000 $ 260,000 $ 83,000
Thomas, Georgia 2 $ 470,000 $ 235,000 $ 92,000
Toombs, Georgia 2 $ 230,000 $ 115,000 $ 90,000
Whitfield, Georgia 2 $ 450,000 $ 225,000 $ 67,000
Caribou, Idaho 2 $ 620,000 $ 310,000 $ 78,000
Custer, Idaho 2 $ 860,000 $ 430,000 $ 103,000
Minidoka, Idaho 2 $ 270,000 $ 135,000 $ 64,000
Power, Idaho 2 $ 170,000 $ 85,000 $ 41,000
DeKalb, Illinois 2 $ 470,000 $ 235,000 $ 128,000
Kankakee, Illinois 2 $ 190,000 $ 95,000 $ 209,000
Knox, Illinois 2 $ 250,000 $ 125,000 $ 43,000
Dearborn, Indiana 2 $ 440,000 $ 220,000 $ 78,000
Floyd, Indiana 2 $ 240,000 $ 120,000 $ 90,000
Hamilton, Indiana 2 $ 630,000 $ 315,000 $ 118,000
Clinton, Iowa 2 $ 310,000 $ 155,000 $ 82,000
Ballard, Kentucky 2 $ 130,000 $ 65,000 $ 54,000
Campbell, Kentucky 2 $ 350,000 $ 175,000 $ 113,000
Fulton, Kentucky 2 $ 160,000 $ 80,000 $ 53,000
Livingston, Kentucky 2 $ 150,000 $ 75,000 $ 56,000
Madison, Kentucky 2 $ 300,000 $ 150,000 $ 60,000
Muhlenberg, Kentucky 2 $ 510,000 $ 255,000 $ 66,000
Howard, Maryland 2 $ 980,000 $ 490,000 $ 131,000
Bristol, Massachusetts 2 $ 470,000 $ 235,000 $ 85,000
Bay, Michigan 2 $ 330,000 $ 165,000 $ 48,000
Kent, Michigan 2 $ 410,000 $ 205,000 $ 55,000
Wayne, Michigan 2 $ 490,000 $ 245,000 $ 21,000
Brown, Minnesota 2 $ 220,000 $ 110,000 $ 65,000
Carver, Minnesota 2 $ 680,000 $ 340,000 $ 45,000
Crow Wing, Minnesota 2 $ 600,000 $ 300,000 $ 148,000
Lake, Minnesota 2 $ 860,000 $ 430,000 $ 176,000
Meeker, Minnesota 2 $ 320,000 $ 160,000 $ 114,000
Sherburne, Minnesota 2 $ 240,000 $ 120,000 $ 92,000
Washington, Minnesota 2 $ 710,000 $ 355,000 $ 123,000
Wright, Minnesota 2 $ 180,000 $ 90,000 $ 88,000
Boone, Missouri 2 $ 390,000 $ 195,000 $ 84,000
Clinton, Missouri 2 $ 270,000 $ 135,000 $ 101,000
Mississippi, Missouri 2 $ 200,000 $ 100,000 $ 70,000
Perry, Missouri 2 $ 630,000 $ 315,000 $ 124,000
Ripley, Missouri 2 $ 110,000 $ 55,000 $ 75,000
St. Louis, Missouri 2 $ 190,000 $ 95,000 $ 137,000
Chouteau, Montana 2 $ 510,000 $ 255,000 $ 109,000
Glacier, Montana 2 $ 290,000 $ 145,000 $ 113,000
Hill, Montana 2 $ 330,000 $ 165,000 $ 75,000
Lincoln, Montana 2 $ 940,000 $ 470,000 $ 399,000
Madison, Montana 2 $ 1,130,000 $ 565,000 $ 102,000
Stillwater, Montana 2 $ 780,000 $ 390,000 $ 112,000
Elko, Nevada 2 $ 980,000 $ 490,000 $ 196,000
Carroll, New Hampshire 2 $ 840,000 $ 420,000 $ 254,000
Strafford, New Hampshire 2 $ 570,000 $ 285,000 $ 105,000
Bernalillo, New Mexico 2 $ 1,010,000 $ 505,000 $ 270,000
Buncombe, North Carolina 2 $ 390,000 $ 195,000 $ 178,000
Cabarrus, North Carolina 2 $ 620,000 $ 310,000 $ 104,000
Guilford, North Carolina 2 $ 370,000 $ 185,000 $ 220,000
Henderson, North Carolina 2 $ 480,000 $ 240,000 $ 168,000
Hoke, North Carolina 2 $ 200,000 $ 100,000 $ 88,000
Rockingham, North Carolina 2 $ 270,000 $ 135,000 $ 86,000
Yadkin, North Carolina 2 $ 250,000 $ 125,000 $ 97,000
Ward, North Dakota 2 $ 390,000 $ 195,000 $ 68,000
Allen, Ohio 2 $ 440,000 $ 220,000 $ 107,000
Athens, Ohio 2 $ 190,000 $ 95,000 $ 103,000
Brown, Ohio 2 $ 330,000 $ 165,000 $ 45,000
Fulton, Ohio 2 $ 80,000 $ 40,000 $ 78,000
Highland, Ohio 2 $ 380,000 $ 190,000 $ 65,000
Hocking, Ohio 2 $ 160,000 $ 80,000 $ 56,000
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Mortgage Loan Application Detail Totals for Synergy One Lending, Inc. in 2025

Loan Purpose

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Home Purchase 9,580 $3,212,890,000 $335,000 $4,005,000 $143,000 $6,561,000
Cash-out Refinancing 1,056 $363,320,000 $344,000 $3,505,000 $182,000 $4,628,000
Refinancing 1,033 $529,305,000 $512,000 $6,505,000 $220,000 $4,598,000
Home Improvement 72 $21,060,000 $292,000 $1,125,000 $171,000 $840,000
Other Purpose 11 $1,875,000 $170,000 $365,000 $115,000 $266,000
Not Applicable 0 $0 $0 $0 $0 $0

Applicant Race

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
White 7,654 $2,805,230,000 $366,000 $6,505,000 $163,000 $6,031,000
Hispanic 1,896 $555,920,000 $293,000 $2,505,000 $116,000 $4,628,000
Black or African American 982 $273,840,000 $278,000 $2,005,000 $107,000 $2,000,000
Not Provided 668 $251,160,000 $375,000 $3,755,000 $193,000 $6,561,000
Asian 414 $197,830,000 $477,000 $2,565,000 $204,000 $2,753,000
American Indian or Alaskan Native 118 $36,730,000 $311,000 $2,125,000 $125,000 $722,000
Native Hawaiian or Other Pacific Islander 20 $7,740,000 $387,000 $1,065,000 $143,000 $304,000
Not applicable 0 $0 $0 $0 $0 $0

Loan Type

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 7,730 $2,862,110,000 $370,000 $6,505,000 $180,000 $6,561,000
FHA-insured (Federal Housing Administration) 3,093 $906,275,000 $293,000 $1,235,000 $98,000 $537,000
VA-guaranteed (Veterans Administration) 787 $332,655,000 $422,000 $2,255,000 $127,000 $652,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 142 $27,410,000 $193,000 $375,000 $75,000 $215,000

Outcome

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Loan Originated 8,115 $2,878,695,000 $354,000 $3,705,000 $154,000 $6,561,000
Application Withdrawn By Applicant 2,776 $961,030,000 $346,000 $6,505,000 $159,000 $4,083,000
Application Denied By Financial Institution 708 $232,700,000 $328,000 $3,755,000 $133,000 $4,598,000
File Closed For Incompleteness 99 $39,125,000 $395,000 $3,005,000 $135,000 $775,000
Application Approved But Not Accepted 54 $16,900,000 $312,000 $795,000 $141,000 $1,165,000
Loan Purchased By The Institution 0 $0 $0 $0 $0 $0
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0
Preapproval Denied by Financial Institution 0 $0 $0 $0 $0 $0

Denial Reason

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Not applicable 11,044 $3,895,750,000 $352,000 $6,505,000 $155,000 $6,561,000
Debt-To-Income Ratio 236 $80,760,000 $342,000 $1,865,000 $102,000 $810,000
Collateral 150 $50,140,000 $334,000 $3,755,000 $197,000 $4,598,000
Credit History 99 $26,635,000 $269,000 $2,225,000 $117,000 $626,000
Other 61 $21,535,000 $353,000 $1,165,000 $132,000 $900,000
Unverifiable Information 51 $18,025,000 $353,000 $1,995,000 $141,000 $1,145,000
Credit Application Incomplete 46 $13,980,000 $303,000 $1,125,000 $152,000 $782,000
Insufficient Cash (Downpayment, Closing Cost) 38 $10,510,000 $276,000 $765,000 $99,000 $350,000
Employment History 27 $11,115,000 $411,000 $1,445,000 $106,000 $459,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Synergy One Lending, Inc.'s 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.

This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics, and assess Synergy One Lending, Inc.'s mortgage approval patterns. Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in California, download the full spreadsheet with aggregated HMDA statistics today.

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