Synergy One Lending, Inc. Mortgage Lending & HMDA Data, 2021

In 2021, Synergy One Lending, Inc. of San Diego, CA reported 15,855 mortgage applications totaling $5.7 billion, up 83% from 2020. The average application was for $362,564, and applicants reported an average income of $128,447. 74% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Denver-Aurora-Lakewood, CO (2,149), Boise City, ID (883) and San Diego-Carlsbad, CA (801) (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 15,855
Total Mortgage Loan Application Amount $5,748,465,000
Average Mortgage Loan Application Amount $362,564
Highest Mortgage Loan Application Amount $3,005,000
Average Applicant Income $128,447
Highest Applicant Income $4,340,000

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records Synergy One Lending, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2021

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
San Diego, California 801 $ 449,365,000 $ 561,004 $ 171,000
Ada, Idaho 611 $ 215,585,000 $ 352,839 $ 134,000
Stanislaus, California 511 $ 148,785,000 $ 291,164 $ 94,000
Adams, Colorado 479 $ 151,875,000 $ 317,066 $ 100,000
Denver, Colorado 459 $ 183,835,000 $ 400,511 $ 142,000
Arapahoe, Colorado 440 $ 151,880,000 $ 345,181 $ 114,000
El Paso, Colorado 436 $ 147,680,000 $ 338,715 $ 104,000
Jefferson, Colorado 430 $ 166,880,000 $ 388,093 $ 126,000
Placer, California 363 $ 172,535,000 $ 475,303 $ 171,000
Bexar, Texas 342 $ 74,440,000 $ 217,660 $ 84,000
Sacramento, California 338 $ 113,390,000 $ 335,473 $ 102,000
Marion, Oregon 310 $ 105,100,000 $ 339,032 $ 106,000
Maricopa, Arizona 300 $ 127,520,000 $ 425,066 $ 188,000
Monterey, California 282 $ 188,630,000 $ 668,900 $ 279,000
Harris, Texas 278 $ 62,170,000 $ 223,633 $ 95,000
Douglas, Colorado 264 $ 122,010,000 $ 462,159 $ 143,000
Canyon, Idaho 240 $ 65,970,000 $ 274,875 $ 97,000
Tarrant, Texas 235 $ 62,695,000 $ 266,787 $ 111,000
Dallas, Texas 224 $ 59,740,000 $ 266,696 $ 106,000
Salt Lake, Utah 223 $ 82,855,000 $ 371,547 $ 118,000
Sonoma, California 216 $ 107,510,000 $ 497,731 $ 155,000
Boulder, Colorado 215 $ 112,455,000 $ 523,046 $ 192,000
Latah, Idaho 198 $ 56,360,000 $ 284,646 $ 116,000
Collin, Texas 197 $ 63,005,000 $ 319,822 $ 133,000
Montrose, Colorado 193 $ 54,685,000 $ 283,341 $ 92,000
Multnomah, Oregon 191 $ 73,655,000 $ 385,628 $ 111,000
Washington, Oregon 165 $ 65,145,000 $ 394,818 $ 114,000
Hidalgo, Texas 161 $ 32,405,000 $ 201,273 $ 77,000
Denton, Texas 160 $ 52,220,000 $ 326,375 $ 115,000
Bonneville, Idaho 144 $ 31,650,000 $ 219,791 $ 81,000
Nevada, California 134 $ 68,550,000 $ 511,567 $ 221,000
Weld, Colorado 134 $ 39,750,000 $ 296,641 $ 104,000
Los Angeles, California 127 $ 59,665,000 $ 469,803 $ 145,000
San Joaquin, California 127 $ 43,745,000 $ 344,448 $ 105,000
Riverside, California 120 $ 44,180,000 $ 368,166 $ 124,000
Santa Barbara, California 119 $ 83,385,000 $ 700,714 $ 213,000
San Bernardino, California 114 $ 38,270,000 $ 335,701 $ 163,000
Alameda, California 110 $ 60,140,000 $ 546,727 $ 150,000
Clackamas, Oregon 93 $ 43,815,000 $ 471,129 $ 127,000
Josephine, Oregon 93 $ 27,055,000 $ 290,913 $ 84,000
Polk, Oregon 90 $ 32,650,000 $ 362,777 $ 106,000
Jackson, Missouri 89 $ 18,775,000 $ 210,955 $ 80,000
Brazoria, Texas 86 $ 15,740,000 $ 183,023 $ 82,000
Pueblo, Colorado 84 $ 16,130,000 $ 192,023 $ 69,000
Santa Clara, California 80 $ 41,730,000 $ 521,625 $ 152,000
Fort Bend, Texas 78 $ 23,800,000 $ 305,128 $ 131,000
Spokane, Washington 78 $ 21,010,000 $ 269,358 $ 93,000
Davis, Utah 77 $ 32,495,000 $ 422,012 $ 149,000
Marin, California 74 $ 67,840,000 $ 916,756 $ 312,000
Contra Costa, California 69 $ 39,205,000 $ 568,188 $ 176,000
San Francisco, California 69 $ 64,955,000 $ 941,376 $ 269,000
Merced, California 66 $ 16,210,000 $ 245,606 $ 87,000
Orange, California 66 $ 35,230,000 $ 533,787 $ 160,000
Clark, Nevada 64 $ 14,570,000 $ 227,656 $ 106,000
Whitman, Washington 64 $ 18,010,000 $ 281,406 $ 158,000
Linn, Oregon 63 $ 19,755,000 $ 313,571 $ 85,000
Travis, Texas 62 $ 19,120,000 $ 308,387 $ 130,000
King, Washington 60 $ 33,130,000 $ 552,166 $ 162,000
San Mateo, California 58 $ 38,050,000 $ 656,034 $ 203,000
Twin Falls, Idaho 58 $ 12,120,000 $ 208,965 $ 79,000
Cameron, Texas 58 $ 11,140,000 $ 192,068 $ 76,000
Larimer, Colorado 57 $ 20,705,000 $ 363,245 $ 160,000
Utah, Utah 56 $ 19,160,000 $ 342,142 $ 91,000
Delta, Colorado 53 $ 12,075,000 $ 227,830 $ 58,000
Clark, Washington 51 $ 18,985,000 $ 372,254 $ 113,000
El Dorado, California 48 $ 20,250,000 $ 421,875 $ 179,000
Washington, Utah 48 $ 15,450,000 $ 321,875 $ 95,000
Washoe, Nevada 47 $ 19,305,000 $ 410,744 $ 137,000
Santa Fe, New Mexico 45 $ 21,095,000 $ 468,777 $ 177,000
Jackson, Oregon 45 $ 11,625,000 $ 258,333 $ 83,000
Lake, California 42 $ 11,900,000 $ 283,333 $ 118,000
Benton, Oregon 41 $ 14,875,000 $ 362,804 $ 176,000
Kaufman, Texas 41 $ 10,075,000 $ 245,731 $ 79,000
Imperial, California 38 $ 9,030,000 $ 237,631 $ 116,000
Yuba, California 38 $ 11,600,000 $ 305,263 $ 90,000
Montgomery, Texas 38 $ 11,890,000 $ 312,894 $ 132,000
Williamson, Texas 38 $ 11,860,000 $ 312,105 $ 127,000
Hillsborough, Florida 37 $ 8,255,000 $ 223,108 $ 108,000
Bell, Texas 36 $ 5,980,000 $ 166,111 $ 83,000
Teller, Colorado 35 $ 13,185,000 $ 376,714 $ 90,000
Deschutes, Oregon 35 $ 13,045,000 $ 372,714 $ 129,000
Grayson, Texas 35 $ 8,545,000 $ 244,142 $ 121,000
Ventura, California 34 $ 16,810,000 $ 494,411 $ 154,000
Guadalupe, Texas 33 $ 8,035,000 $ 243,484 $ 91,000
Broomfield, Colorado 32 $ 14,520,000 $ 453,750 $ 145,000
El Paso, Texas 32 $ 6,460,000 $ 201,875 $ 99,000
Wise, Texas 32 $ 9,130,000 $ 285,312 $ 89,000
Fresno, California 30 $ 8,080,000 $ 269,333 $ 114,000
Santa Cruz, California 30 $ 20,430,000 $ 681,000 $ 200,000
Galveston, Texas 30 $ 5,950,000 $ 198,333 $ 92,000
Snohomish, Washington 30 $ 15,210,000 $ 507,000 $ 137,000
Parker, Texas 29 $ 10,465,000 $ 360,862 $ 126,000
Kern, California 27 $ 5,405,000 $ 200,185 $ 94,000
Solano, California 27 $ 11,875,000 $ 439,814 $ 122,000
Summit, Colorado 27 $ 14,675,000 $ 543,518 $ 322,000
Weber, Utah 27 $ 8,785,000 $ 325,370 $ 100,000
Johnson, Kansas 26 $ 7,550,000 $ 290,384 $ 110,000
Lane, Oregon 26 $ 8,270,000 $ 318,076 $ 87,000
Pierce, Washington 26 $ 9,120,000 $ 350,769 $ 115,000
San Luis Obispo, California 25 $ 9,815,000 $ 392,600 $ 100,000
Clay, Missouri 25 $ 4,795,000 $ 191,800 $ 74,000
Ellis, Texas 25 $ 5,945,000 $ 237,800 $ 91,000
Bingham, Idaho 24 $ 4,720,000 $ 196,666 $ 75,000
Pima, Arizona 23 $ 6,525,000 $ 283,695 $ 203,000
Jefferson, Idaho 23 $ 7,025,000 $ 305,434 $ 82,000
Cook, Illinois 23 $ 4,385,000 $ 190,652 $ 80,000
Comal, Texas 23 $ 7,255,000 $ 315,434 $ 139,000
Grand, Colorado 22 $ 11,550,000 $ 525,000 $ 239,000
Gem, Idaho 22 $ 5,390,000 $ 245,000 $ 112,000
Kootenai, Idaho 22 $ 9,590,000 $ 435,909 $ 161,000
Douglas, Oregon 22 $ 6,060,000 $ 275,454 $ 61,000
Rockwall, Texas 22 $ 5,250,000 $ 238,636 $ 116,000
Pinal, Arizona 21 $ 4,955,000 $ 235,952 $ 84,000
Cass, Missouri 21 $ 4,765,000 $ 226,904 $ 82,000
Yamhill, Oregon 21 $ 7,325,000 $ 348,809 $ 103,000
Tooele, Utah 21 $ 6,755,000 $ 321,666 $ 77,000
Calaveras, California 19 $ 6,165,000 $ 324,473 $ 150,000
Mesa, Colorado 19 $ 4,475,000 $ 235,526 $ 95,000
Madison, Idaho 19 $ 3,725,000 $ 196,052 $ 118,000
Fremont, Colorado 18 $ 5,070,000 $ 281,666 $ 85,000
Pasco, Florida 18 $ 4,750,000 $ 263,888 $ 84,000
Johnson, Texas 18 $ 5,260,000 $ 292,222 $ 97,000
Montgomery, Alabama 17 $ 1,435,000 $ 84,411 $ 161,000
Morgan, Colorado 17 $ 2,705,000 $ 159,117 $ 58,000
Broward, Florida 17 $ 6,085,000 $ 357,941 $ 136,000
Elmore, Idaho 17 $ 3,365,000 $ 197,941 $ 97,000
Hunt, Texas 17 $ 4,785,000 $ 281,470 $ 90,000
Benton, Washington 17 $ 6,435,000 $ 378,529 $ 122,000
Napa, California 16 $ 8,280,000 $ 517,500 $ 220,000
Valley, Idaho 16 $ 6,670,000 $ 416,875 $ 233,000
Columbia, Oregon 16 $ 4,550,000 $ 284,375 $ 71,000
Tulare, California 15 $ 2,995,000 $ 199,666 $ 89,000
Park, Colorado 15 $ 5,845,000 $ 389,666 $ 120,000
Pinellas, Florida 15 $ 3,405,000 $ 227,000 $ 97,000
Cowlitz, Washington 15 $ 4,305,000 $ 287,000 $ 98,000
Yavapai, Arizona 14 $ 4,940,000 $ 352,857 $ 142,000
San Benito, California 14 $ 7,950,000 $ 567,857 $ 166,000
Shasta, California 14 $ 3,070,000 $ 219,285 $ 83,000
Elbert, Colorado 14 $ 7,780,000 $ 555,714 $ 122,000
Mohave, Arizona 13 $ 2,905,000 $ 223,461 $ 127,000
Butte, California 13 $ 4,455,000 $ 342,692 $ 179,000
Tuolumne, California 13 $ 3,575,000 $ 275,000 $ 102,000
Ouray, Colorado 13 $ 4,465,000 $ 343,461 $ 133,000
Yolo, California 12 $ 4,230,000 $ 352,500 $ 99,000
Miami-Dade, Florida 12 $ 3,440,000 $ 286,666 $ 90,000
Fulton, Georgia 12 $ 4,890,000 $ 407,500 $ 210,000
Hall, Georgia 12 $ 3,030,000 $ 252,500 $ 76,000
Payette, Idaho 12 $ 3,500,000 $ 291,666 $ 96,000
Muskegon, Michigan 12 $ 1,810,000 $ 150,833 $ 65,000
Klamath, Oregon 12 $ 2,520,000 $ 210,000 $ 119,000
Davidson, Tennessee 12 $ 5,320,000 $ 443,333 $ 198,000
Madera, California 11 $ 3,395,000 $ 308,636 $ 78,000
Chaffee, Colorado 11 $ 3,425,000 $ 311,363 $ 146,000
Cobb, Georgia 11 $ 2,925,000 $ 265,909 $ 110,000
Fremont, Idaho 11 $ 2,155,000 $ 195,909 $ 59,000
Washington, Idaho 11 $ 2,655,000 $ 241,363 $ 67,000
St. Louis, Missouri 11 $ 2,215,000 $ 201,363 $ 120,000
Lincoln, Oregon 11 $ 3,445,000 $ 313,181 $ 117,000
Atascosa, Texas 11 $ 2,235,000 $ 203,181 $ 52,000
Thurston, Washington 11 $ 3,605,000 $ 327,727 $ 84,000
Sutter, California 10 $ 2,140,000 $ 214,000 $ 86,000
Collier, Florida 10 $ 3,230,000 $ 323,000 $ 184,000
Palm Beach, Florida 10 $ 2,690,000 $ 269,000 $ 196,000
Polk, Florida 10 $ 2,450,000 $ 245,000 $ 115,000
Bannock, Idaho 10 $ 1,980,000 $ 198,000 $ 53,000
DuPage, Illinois 10 $ 2,660,000 $ 266,000 $ 126,000
Bernalillo, New Mexico 10 $ 3,650,000 $ 365,000 $ 160,000
Tillamook, Oregon 10 $ 4,180,000 $ 418,000 $ 223,000
Medina, Texas 10 $ 1,970,000 $ 197,000 $ 83,000
Gunnison, Colorado 9 $ 3,765,000 $ 418,333 $ 242,000
DeKalb, Georgia 9 $ 2,635,000 $ 292,777 $ 145,000
Blaine, Idaho 9 $ 2,905,000 $ 322,777 $ 109,000
Nez Perce, Idaho 9 $ 2,715,000 $ 301,666 $ 107,000
Coos, Oregon 9 $ 2,335,000 $ 259,444 $ 110,000
Summit, Utah 9 $ 8,485,000 $ 942,777 $ 285,000
Kitsap, Washington 9 $ 4,585,000 $ 509,444 $ 401,000
Clear Creek, Colorado 8 $ 3,300,000 $ 412,500 $ 189,000
Gilpin, Colorado 8 $ 2,880,000 $ 360,000 $ 128,000
La Plata, Colorado 8 $ 3,040,000 $ 380,000 $ 93,000
Duval, Florida 8 $ 1,720,000 $ 215,000 $ 77,000
Lee, Florida 8 $ 3,200,000 $ 400,000 $ 145,000
Chatham, Georgia 8 $ 2,130,000 $ 266,250 $ 123,000
Gwinnett, Georgia 8 $ 2,680,000 $ 335,000 $ 144,000
Hays, Texas 8 $ 3,450,000 $ 431,250 $ 189,000
McLennan, Texas 8 $ 1,930,000 $ 241,250 $ 123,000
Waller, Texas 8 $ 2,930,000 $ 366,250 $ 317,000
Amador, California 7 $ 2,025,000 $ 289,285 $ 82,000
Eagle, Colorado 7 $ 3,505,000 $ 500,714 $ 200,000
Huerfano, Colorado 7 $ 865,000 $ 123,571 $ 41,000
San Miguel, Colorado 7 $ 4,465,000 $ 637,857 $ 494,000
Manatee, Florida 7 $ 2,135,000 $ 305,000 $ 181,000
Jerome, Idaho 7 $ 1,395,000 $ 199,285 $ 82,000
Ottawa, Michigan 7 $ 1,665,000 $ 237,857 $ 99,000
Douglas, Nebraska 7 $ 1,615,000 $ 230,714 $ 95,000
Dona Ana, New Mexico 7 $ 1,395,000 $ 199,285 $ 52,000
Anderson, Texas 7 $ 1,105,000 $ 157,857 $ 65,000
Lubbock, Texas 7 $ 1,505,000 $ 215,000 $ 109,000
Smith, Texas 7 $ 1,615,000 $ 230,714 $ 73,000
Wilson, Texas 7 $ 1,895,000 $ 270,714 $ 115,000
Coconino, Arizona 6 $ 2,900,000 $ 483,333 $ 294,000
Yuma, Arizona 6 $ 1,740,000 $ 290,000 $ 73,000
Plumas, California 6 $ 2,440,000 $ 406,666 $ 169,000
Henry, Georgia 6 $ 1,680,000 $ 280,000 $ 170,000
Gooding, Idaho 6 $ 950,000 $ 158,333 $ 50,000
Owyhee, Idaho 6 $ 1,820,000 $ 303,333 $ 60,000
Lake, Illinois 6 $ 1,260,000 $ 210,000 $ 155,000
Marion, Indiana 6 $ 1,460,000 $ 243,333 $ 114,000
Buchanan, Missouri 6 $ 380,000 $ 63,333 $ 37,000
Platte, Missouri 6 $ 1,420,000 $ 236,666 $ 106,000
Baker, Oregon 6 $ 1,530,000 $ 255,000 $ 103,000
Clatsop, Oregon 6 $ 1,800,000 $ 300,000 $ 91,000
Rutherford, Tennessee 6 $ 1,470,000 $ 245,000 $ 349,000
Shelby, Tennessee 6 $ 1,250,000 $ 208,333 $ 91,000
Hood, Texas 6 $ 1,510,000 $ 251,666 $ 97,000
Jefferson, Texas 6 $ 1,600,000 $ 266,666 $ 111,000
Nueces, Texas 6 $ 2,040,000 $ 340,000 $ 114,000
Cache, Utah 6 $ 1,610,000 $ 268,333 $ 59,000
Benton, Arkansas 5 $ 1,885,000 $ 377,000 $ 113,000
Archuleta, Colorado 5 $ 1,495,000 $ 299,000 $ 135,000
Routt, Colorado 5 $ 2,465,000 $ 493,000 $ 170,000
Osceola, Florida 5 $ 1,325,000 $ 265,000 $ 126,000
Sarasota, Florida 5 $ 2,425,000 $ 485,000 $ 222,000
Cherokee, Georgia 5 $ 1,225,000 $ 245,000 $ 125,000
Paulding, Georgia 5 $ 995,000 $ 199,000 $ 65,000
Johnson, Missouri 5 $ 805,000 $ 161,000 $ 59,000
Ray, Missouri 5 $ 915,000 $ 183,000 $ 120,000
Douglas, Nevada 5 $ 3,075,000 $ 615,000 $ 201,000
Oklahoma, Oklahoma 5 $ 1,975,000 $ 395,000 $ 305,000
Rogers, Oklahoma 5 $ 1,325,000 $ 265,000 $ 113,000
Tulsa, Oklahoma 5 $ 1,285,000 $ 257,000 $ 103,000
Crook, Oregon 5 $ 2,195,000 $ 439,000 $ 243,000
Malheur, Oregon 5 $ 725,000 $ 145,000 $ 72,000
Charleston, South Carolina 5 $ 3,275,000 $ 655,000 $ 258,000
Sumner, Tennessee 5 $ 2,105,000 $ 421,000 $ 198,000
Bastrop, Texas 5 $ 1,365,000 $ 273,000 $ 182,000
Burnet, Texas 5 $ 1,435,000 $ 287,000 $ 99,000
Ector, Texas 5 $ 915,000 $ 183,000 $ 81,000
Henderson, Texas 5 $ 1,695,000 $ 339,000 $ 219,000
Hill, Texas 5 $ 955,000 $ 191,000 $ 89,000
Karnes, Texas 5 $ 695,000 $ 139,000 $ 57,000
Iron, Utah 5 $ 1,225,000 $ 245,000 $ 76,000
Asotin, Washington 5 $ 1,215,000 $ 243,000 $ 53,000
Stevens, Washington 5 $ 1,355,000 $ 271,000 $ 113,000
Humboldt, California 4 $ 1,010,000 $ 252,500 $ 91,000
Siskiyou, California 4 $ 1,210,000 $ 302,500 $ 145,000
Garfield, Colorado 4 $ 2,170,000 $ 542,500 $ 132,000
Las Animas, Colorado 4 $ 1,140,000 $ 285,000 $ 153,000
Logan, Colorado 4 $ 840,000 $ 210,000 $ 65,000
Otero, Colorado 4 $ 410,000 $ 102,500 $ 36,000
Brevard, Florida 4 $ 930,000 $ 232,500 $ 109,000
Flagler, Florida 4 $ 740,000 $ 185,000 $ 47,000
Lake, Florida 4 $ 1,230,000 $ 307,500 $ 110,000
St. Johns, Florida 4 $ 1,620,000 $ 405,000 $ 148,000
Forsyth, Georgia 4 $ 910,000 $ 227,500 $ 86,000
Boise, Idaho 4 $ 1,020,000 $ 255,000 $ 92,000
Bonner, Idaho 4 $ 1,130,000 $ 282,500 $ 110,000
Hamilton, Indiana 4 $ 1,080,000 $ 270,000 $ 88,000
Douglas, Kansas 4 $ 960,000 $ 240,000 $ 123,000
Leavenworth, Kansas 4 $ 910,000 $ 227,500 $ 99,000
Orleans, Louisiana 4 $ 1,030,000 $ 257,500 $ 121,000
Kent, Michigan 4 $ 1,430,000 $ 357,500 $ 110,000
Missoula, Montana 4 $ 1,730,000 $ 432,500 $ 168,000
Colfax, New Mexico 4 $ 750,000 $ 187,500 $ 195,000
Eddy, New Mexico 4 $ 1,030,000 $ 257,500 $ 88,000
Cuyahoga, Ohio 4 $ 650,000 $ 162,500 $ 136,000
Franklin, Ohio 4 $ 620,000 $ 155,000 $ 94,000
Hamilton, Ohio 4 $ 770,000 $ 192,500 $ 111,000
Canadian, Oklahoma 4 $ 730,000 $ 182,500 $ 80,000
McCurtain, Oklahoma 4 $ 1,500,000 $ 375,000 $ 234,000
Curry, Oregon 4 $ 1,100,000 $ 275,000 $ 88,000
Umatilla, Oregon 4 $ 680,000 $ 170,000 $ 72,000
Hamilton, Tennessee 4 $ 600,000 $ 150,000 $ 216,000
Montgomery, Tennessee 4 $ 790,000 $ 197,500 $ 40,000
Williamson, Tennessee 4 $ 1,640,000 $ 410,000 $ 146,000
Brazos, Texas 4 $ 850,000 $ 212,500 $ 95,000
Kendall, Texas 4 $ 2,180,000 $ 545,000 $ 158,000
Kerr, Texas 4 $ 1,380,000 $ 345,000 $ 127,000
Morgan, Utah 4 $ 2,670,000 $ 667,500 $ 120,000
Chelan, Washington 4 $ 1,460,000 $ 365,000 $ 146,000
Franklin, Washington 4 $ 1,630,000 $ 407,500 $ 133,000
Lewis, Washington 4 $ 1,470,000 $ 367,500 $ 99,000
Pacific, Washington 4 $ 1,000,000 $ 250,000 $ 86,000
Pend Oreille, Washington 4 $ 1,270,000 $ 317,500 $ 138,000
Skagit, Washington 4 $ 1,290,000 $ 322,500 $ 96,000
Yakima, Washington 4 $ 820,000 $ 205,000 $ 60,000
Houston, Alabama 3 $ 425,000 $ 141,666 $ 96,000
Lee, Alabama 3 $ 445,000 $ 148,333 $ 26,000
Cochise, Arizona 3 $ 365,000 $ 121,666 $ 82,000
Washington, Arkansas 3 $ 825,000 $ 275,000 $ 80,000
Mendocino, California 3 $ 1,175,000 $ 391,666 $ 100,000
Sierra, California 3 $ 1,205,000 $ 401,666 $ 248,000
Costilla, Colorado 3 $ 395,000 $ 131,666 $ 94,000
Fairfield, Connecticut 3 $ 925,000 $ 308,333 $ 75,000
Citrus, Florida 3 $ 445,000 $ 148,333 $ 65,000
Escambia, Florida 3 $ 715,000 $ 238,333 $ 128,000
Hernando, Florida 3 $ 575,000 $ 191,666 $ 51,000
Marion, Florida 3 $ 405,000 $ 135,000 $ 40,000
Okaloosa, Florida 3 $ 685,000 $ 228,333 $ 64,000
Orange, Florida 3 $ 1,175,000 $ 391,666 $ 131,000
Barrow, Georgia 3 $ 635,000 $ 211,666 $ 110,000
Houston, Georgia 3 $ 485,000 $ 161,666 $ 82,000
Custer, Idaho 3 $ 1,055,000 $ 351,666 $ 81,000
Kane, Illinois 3 $ 645,000 $ 215,000 $ 170,000
Tippecanoe, Indiana 3 $ 445,000 $ 148,333 $ 70,000
Sedgwick, Kansas 3 $ 315,000 $ 105,000 $ 100,000
Wyandotte, Kansas 3 $ 625,000 $ 208,333 $ 67,000
Jefferson, Louisiana 3 $ 425,000 $ 141,666 $ 74,000
St. Tammany, Louisiana 3 $ 935,000 $ 311,666 $ 149,000
Baltimore, Maryland 3 $ 375,000 $ 125,000 $ 753,000
Baltimore City, Maryland 3 $ 845,000 $ 281,666 $ 195,000
Plymouth, Massachusetts 3 $ 1,345,000 $ 448,333 $ 106,000
Ingham, Michigan 3 $ 255,000 $ 85,000 $ 103,000
Camden, Missouri 3 $ 1,425,000 $ 475,000 $ 154,000
Christian, Missouri 3 $ 675,000 $ 225,000 $ 113,000
Clinton, Missouri 3 $ 685,000 $ 228,333 $ 55,000
St. Louis City, Missouri 3 $ 1,325,000 $ 441,666 $ 93,000
Lewis and Clark, Montana 3 $ 705,000 $ 235,000 $ 98,000
Carson City, Nevada 3 $ 965,000 $ 321,666 $ 80,000
Sandoval, New Mexico 3 $ 505,000 $ 168,333 $ 98,000
Pickaway, Ohio 3 $ 715,000 $ 238,333 $ 94,000
Comanche, Oklahoma 3 $ 245,000 $ 81,666 $ 128,000
Berkeley, South Carolina 3 $ 1,895,000 $ 631,666 $ 149,000
Dorchester, South Carolina 3 $ 625,000 $ 208,333 $ 46,000
Knox, Tennessee 3 $ 745,000 $ 248,333 $ 49,000
Maury, Tennessee 3 $ 1,365,000 $ 455,000 $ 103,000
Wilson, Tennessee 3 $ 895,000 $ 298,333 $ 99,000
Bandera, Texas 3 $ 905,000 $ 301,666 $ 87,000
Bowie, Texas 3 $ 435,000 $ 145,000 $ 46,000
Cooke, Texas 3 $ 785,000 $ 261,666 $ 135,000
Fannin, Texas 3 $ 765,000 $ 255,000 $ 94,000
Midland, Texas 3 $ 915,000 $ 305,000 $ 103,000
San Patricio, Texas 3 $ 755,000 $ 251,666 $ 145,000
Victoria, Texas 3 $ 685,000 $ 228,333 $ 98,000
Walker, Texas 3 $ 465,000 $ 155,000 $ 44,000
Wharton, Texas 3 $ 775,000 $ 258,333 $ 201,000
Wichita, Texas 3 $ 685,000 $ 228,333 $ 69,000
Rich, Utah 3 $ 1,195,000 $ 398,333 $ 142,000
Wasatch, Utah 3 $ 1,345,000 $ 448,333 $ 93,000
Clallam, Washington 3 $ 1,035,000 $ 345,000 $ 146,000
Douglas, Washington 3 $ 1,055,000 $ 351,666 $ 94,000
Grant, Washington 3 $ 505,000 $ 168,333 $ 72,000
Lincoln, Washington 3 $ 1,245,000 $ 415,000 $ 119,000
Whatcom, Washington 3 $ 705,000 $ 235,000 $ 105,000
Baldwin, Alabama 2 $ 520,000 $ 260,000 $ 80,000
Jefferson, Alabama 2 $ 230,000 $ 115,000 $ 78,000
Gila, Arizona 2 $ 550,000 $ 275,000 $ 50,000
Santa Cruz, Arizona 2 $ 290,000 $ 145,000 $ 66,000
Garland, Arkansas 2 $ 610,000 $ 305,000 $ 88,000
Pulaski, Arkansas 2 $ 310,000 $ 155,000 $ 214,000
Inyo, California 2 $ 450,000 $ 225,000 $ 72,000
Mariposa, California 2 $ 800,000 $ 400,000 $ 205,000
Tehama, California 2 $ 470,000 $ 235,000 $ 120,000
Crowley, Colorado 2 $ 230,000 $ 115,000 $ 58,000
Lake, Colorado 2 $ 580,000 $ 290,000 $ 106,000
Montezuma, Colorado 2 $ 390,000 $ 195,000 $ 35,000
Rio Grande, Colorado 2 $ 210,000 $ 105,000 $ 78,000
District of Columbia, District Of Columbia 2 $ 1,140,000 $ 570,000 $ 267,000
Bay, Florida 2 $ 540,000 $ 270,000 $ 84,000
Charlotte, Florida 2 $ 590,000 $ 295,000 $ 134,000
Clay, Florida 2 $ 480,000 $ 240,000 $ 67,000
Nassau, Florida 2 $ 320,000 $ 160,000 $ 69,000
Santa Rosa, Florida 2 $ 510,000 $ 255,000 $ 63,000
Walton, Florida 2 $ 770,000 $ 385,000 $ 253,000
Coweta, Georgia 2 $ 430,000 $ 215,000 $ 81,000
Fayette, Georgia 2 $ 230,000 $ 115,000 $ 48,000
Glynn, Georgia 2 $ 450,000 $ 225,000 $ 69,000
Muscogee, Georgia 2 $ 530,000 $ 265,000 $ 163,000
Richmond, Georgia 2 $ 380,000 $ 190,000 $ 48,000
Ware, Georgia 2 $ 180,000 $ 90,000 $ 31,000
Worth, Georgia 2 $ 470,000 $ 235,000 $ 78,000
Adams, Idaho 2 $ 640,000 $ 320,000 $ 115,000
Franklin, Idaho 2 $ 570,000 $ 285,000 $ 97,000
Lemhi, Idaho 2 $ 160,000 $ 80,000 $ 68,000
Kankakee, Illinois 2 $ 410,000 $ 205,000 $ 158,000
Kendall, Illinois 2 $ 790,000 $ 395,000 $ 121,000
Will, Illinois 2 $ 360,000 $ 180,000 $ 67,000
Elkhart, Indiana 2 $ 300,000 $ 150,000 $ 86,000
Floyd, Indiana 2 $ 440,000 $ 220,000 $ 58,000
Lake, Indiana 2 $ 300,000 $ 150,000 $ 64,000
Madison, Indiana 2 $ 170,000 $ 85,000 $ 146,000
Porter, Indiana 2 $ 570,000 $ 285,000 $ 132,000
St. Joseph, Indiana 2 $ 210,000 $ 105,000 $ 54,000
Polk, Iowa 2 $ 810,000 $ 405,000 $ 255,000
Anderson, Kansas 2 $ 420,000 $ 210,000 $ 80,000
Ellis, Kansas 2 $ 210,000 $ 105,000 $ 74,000
Carroll, Kentucky 2 $ 660,000 $ 330,000 $ 68,000
Lafayette, Louisiana 2 $ 460,000 $ 230,000 $ 155,000
Livingston, Louisiana 2 $ 250,000 $ 125,000 $ 190,000
Montgomery, Maryland 2 $ 860,000 $ 430,000 $ 221,000
Barnstable, Massachusetts 2 $ 880,000 $ 440,000 $ 197,000
Middlesex, Massachusetts 2 $ 1,280,000 $ 640,000 $ 206,000
Wayne, Michigan 2 $ 330,000 $ 165,000 $ 54,000
George, Mississippi 2 $ 530,000 $ 265,000 $ 365,000
Hinds, Mississippi 2 $ 280,000 $ 140,000 $ 112,000
Benton, Missouri 2 $ 250,000 $ 125,000 $ 147,000
DeKalb, Missouri 2 $ 550,000 $ 275,000 $ 60,000
Miller, Missouri 2 $ 380,000 $ 190,000 $ 115,000
Pettis, Missouri 2 $ 150,000 $ 75,000 $ 134,000
Stone, Missouri 2 $ 930,000 $ 465,000 $ 116,000
Beaverhead, Montana 2 $ 600,000 $ 300,000 $ 207,000
Flathead, Montana 2 $ 1,410,000 $ 705,000 $ 345,000
Gallatin, Montana 2 $ 560,000 $ 280,000 $ 48,000
Hall, Nebraska 2 $ 310,000 $ 155,000 $ 98,000
Phelps, Nebraska 2 $ 390,000 $ 195,000 $ 61,000
Sarpy, Nebraska 2 $ 290,000 $ 145,000 $ 74,000
Elko, Nevada 2 $ 410,000 $ 205,000 $ 109,000
Storey, Nevada 2 $ 470,000 $ 235,000 $ 75,000
Otero, New Mexico 2 $ 740,000 $ 370,000 $ 78,000
San Juan, New Mexico 2 $ 270,000 $ 135,000 $ 36,000
San Miguel, New Mexico 2 $ 570,000 $ 285,000 $ 43,000
Forsyth, North Carolina 2 $ 430,000 $ 215,000 $ 145,000
Guilford, North Carolina 2 $ 400,000 $ 200,000 $ 76,000
Geauga, Ohio 2 $ 410,000 $ 205,000 $ 140,000
Hancock, Ohio 2 $ 600,000 $ 300,000 $ 242,000
Lorain, Ohio 2 $ 420,000 $ 210,000 $ 108,000
Medina, Ohio 2 $ 370,000 $ 185,000 $ 124,000
Stark, Ohio 2 $ 390,000 $ 195,000 $ 68,000
Garfield, Oklahoma 2 $ 430,000 $ 215,000 $ 177,000
Logan, Oklahoma 2 $ 780,000 $ 390,000 $ 196,000
McClain, Oklahoma 2 $ 310,000 $ 155,000 $ 108,000
Wagoner, Oklahoma 2 $ 460,000 $ 230,000 $ 40,000
Jefferson, Oregon 2 $ 660,000 $ 330,000 $ 66,000
Wasco, Oregon 2 $ 540,000 $ 270,000 $ 62,000
Beaufort, South Carolina 2 $ 630,000 $ 315,000 $ 204,000
Greenville, South Carolina 2 $ 270,000 $ 135,000 $ 35,000
Horry, South Carolina 2 $ 570,000 $ 285,000 $ 68,000
Pennington, South Dakota 2 $ 630,000 $ 315,000 $ 221,000
Fayette, Tennessee 2 $ 690,000 $ 345,000 $ 53,000
Washington, Tennessee 2 $ 550,000 $ 275,000 $ 104,000
Aransas, Texas 2 $ 620,000 $ 310,000 $ 171,000
Brown, Texas 2 $ 120,000 $ 60,000 $ 30,000
Coryell, Texas 2 $ 310,000 $ 155,000 $ 79,000
Hardin, Texas 2 $ 500,000 $ 250,000 $ 103,000
Hopkins, Texas 2 $ 730,000 $ 365,000 $ 157,000
Jasper, Texas 2 $ 350,000 $ 175,000 $ 36,000
Lamar, Texas 2 $ 370,000 $ 185,000 $ 57,000
Liberty, Texas 2 $ 200,000 $ 100,000 $ 61,000
Llano, Texas 2 $ 310,000 $ 155,000 $ 35,000
Matagorda, Texas 2 $ 380,000 $ 190,000 $ 81,000
Palo Pinto, Texas 2 $ 240,000 $ 120,000 $ 58,000
Randall, Texas 2 $ 650,000 $ 325,000 $ 130,000
Box Elder, Utah 2 $ 760,000 $ 380,000 $ 94,000
Kane, Utah 2 $ 570,000 $ 285,000 $ 360,000
Fairfax, Virginia 2 $ 1,300,000 $ 650,000 $ 250,000
Newport News, Virginia 2 $ 440,000 $ 220,000 $ 160,000
Jefferson, Washington 2 $ 420,000 $ 210,000 $ 95,000
Walla Walla, Washington 2 $ 510,000 $ 255,000 $ 94,000
Milwaukee, Wisconsin 2 $ 530,000 $ 265,000 $ 151,000
Rock, Wisconsin 2 $ 230,000 $ 115,000 $ 51,000
Calhoun, Alabama 1 $ 105,000 $ 105,000 $ 35,000
Lauderdale, Alabama 1 $ 195,000 $ 195,000 $ 58,000
Madison, Alabama 1 $ 105,000 $ 105,000 $ 80,000
Mobile, Alabama 1 $ 105,000 $ 105,000 $ 35,000
Russell, Alabama 1 $ 105,000 $ 105,000 $ 25,000
Shelby, Alabama 1 $ 625,000 $ 625,000 $ 221,000
Tallapoosa, Alabama 1 $ 145,000 $ 145,000 $ 24,000
Kenai Peninsula, Alaska 1 $ 185,000 $ 185,000 $ 110,000
Navajo, Arizona 1 $ 165,000 $ 165,000 $ 90,000
Cleburne, Arkansas 1 $ 205,000 $ 205,000 $ 67,000
Fulton, Arkansas 1 $ 125,000 $ 125,000 $ 210,000
Jackson, Arkansas 1 $ 235,000 $ 235,000 $ 67,000
Johnson, Arkansas 1 $ 95,000 $ 95,000 $ 72,000
Lonoke, Arkansas 1 $ 165,000 $ 165,000 $ 48,000
Miller, Arkansas 1 $ 165,000 $ 165,000 $ 29,000
Pope, Arkansas 1 $ 75,000 $ 75,000 $ 77,000
Van Buren, Arkansas 1 $ 95,000 $ 95,000 $ 21,000
Del Norte, California 1 $ 135,000 $ 135,000 $ 172,000
Kings, California 1 $ 185,000 $ 185,000 $ 51,000
Lassen, California 1 $ 155,000 $ 155,000 $ 64,000
Custer, Colorado 1 $ 625,000 $ 625,000 $ 542,000
Dolores, Colorado 1 $ 355,000 $ 355,000 $ 57,000
Hinsdale, Colorado 1 $ 775,000 $ 775,000 $ 113,000
Pitkin, Colorado 1 $ 205,000 $ 205,000 $ 59,000
Rio Blanco, Colorado 1 $ 275,000 $ 275,000 $ 146,000
Yuma, Colorado 1 $ 55,000 $ 55,000 $ 0
Tolland, Connecticut 1 $ 115,000 $ 115,000 $ 51,000
Kent, Delaware 1 $ 255,000 $ 255,000 $ 159,000
Gulf, Florida 1 $ 285,000 $ 285,000 $ 221,000
Highlands, Florida 1 $ 755,000 $ 755,000 $ 278,000
Indian River, Florida 1 $ 115,000 $ 115,000 $ 22,000
Monroe, Florida 1 $ 745,000 $ 745,000 $ 215,000
Putnam, Florida 1 $ 55,000 $ 55,000 $ 82,000
Seminole, Florida 1 $ 185,000 $ 185,000 $ 251,000
St. Lucie, Florida 1 $ 195,000 $ 195,000 $ 44,000
Sumter, Florida 1 $ 245,000 $ 245,000 $ 36,000
Volusia, Florida 1 $ 255,000 $ 255,000 $ 84,000
Clarke, Georgia 1 $ 265,000 $ 265,000 $ 72,000
Evans, Georgia 1 $ 185,000 $ 185,000 $ 72,000
Gilmer, Georgia 1 $ 425,000 $ 425,000 $ 110,000
Liberty, Georgia 1 $ 235,000 $ 235,000 $ 123,000
Lowndes, Georgia 1 $ 135,000 $ 135,000 $ 26,000
Newton, Georgia 1 $ 365,000 $ 365,000 $ 82,000
Pickens, Georgia 1 $ 485,000 $ 485,000 $ 832,000
Polk, Georgia 1 $ 55,000 $ 55,000 $ 10,000
Rockdale, Georgia 1 $ 165,000 $ 165,000 $ 58,000
Spalding, Georgia 1 $ 155,000 $ 155,000 $ 180,000
Thomas, Georgia 1 $ 165,000 $ 165,000 $ 64,000
Upson, Georgia 1 $ 115,000 $ 115,000 $ 33,000
Walker, Georgia 1 $ 115,000 $ 115,000 $ 78,000
Walton, Georgia 1 $ 175,000 $ 175,000 $ 66,000
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Mortgage Loan Application Detail Totals for Synergy One Lending, Inc. in 2021

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 8,427 $3,135,275,000 $372,000 $3,005,000 $125,000 $3,167,000
Refinancing 3,986 $1,415,700,000 $355,000 $3,005,000 $137,000 $2,585,000
Cash-out Refinancing 3,341 $1,167,945,000 $349,000 $2,855,000 $127,000 $4,340,000
Home Improvement 99 $28,795,000 $290,000 $1,205,000 $122,000 $838,000
Other Purpose 2 $750,000 $375,000 $595,000 $346,000 $346,000
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 9,030 $3,431,610,000 $380,000 $3,005,000 $138,000 $4,340,000
Not Provided 3,054 $1,125,040,000 $368,000 $2,565,000 $133,000 $3,167,000
Hispanic 2,521 $737,245,000 $292,000 $1,555,000 $91,000 $1,320,000
Asian 549 $233,875,000 $426,000 $1,825,000 $147,000 $1,166,000
Black or African American 498 $146,110,000 $293,000 $1,525,000 $97,000 $480,000
American Indian or Alaskan Native 79 $23,695,000 $299,000 $845,000 $111,000 $352,000
Native Hawaiian or Other Pacific Islander 40 $11,990,000 $299,000 $825,000 $102,000 $271,000
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) 13,162 $4,825,240,000 $366,000 $3,005,000 $138,000 $4,340,000
FHA-insured (Federal Housing Administration) 1,743 $521,705,000 $299,000 $1,165,000 $77,000 $383,000
VA-guaranteed (Veterans Administration) 886 $385,290,000 $434,000 $2,555,000 $97,000 $550,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 64 $16,230,000 $253,000 $625,000 $62,000 $134,000

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 11,797 $4,356,725,000 $369,000 $3,005,000 $129,000 $2,585,000
Application Withdrawn By Applicant 3,114 $1,088,540,000 $349,000 $2,995,000 $129,000 $4,340,000
Application Denied By Financial Institution 614 $204,300,000 $332,000 $3,005,000 $116,000 $2,301,000
File Closed For Incompleteness 274 $82,050,000 $299,000 $1,595,000 $118,000 $1,532,000
Application Approved But Not Accepted 54 $16,160,000 $299,000 $805,000 $111,000 $412,000
Preapproval Approved but not Accepted 2 $690,000 $345,000 $365,000 $89,000 $115,000
Preapproval Denied by Financial Institution 0 $0 $0 $0 $0 $0
Loan Purchased By The 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 15,241 $5,544,165,000 $363,000 $3,005,000 $129,000 $4,340,000
Debt-To-Income Ratio 274 $89,230,000 $325,000 $1,615,000 $90,000 $1,200,000
Credit History 86 $22,040,000 $256,000 $1,565,000 $93,000 $1,320,000
Other 80 $29,490,000 $368,000 $2,005,000 $199,000 $2,301,000
Collateral 63 $19,755,000 $313,000 $1,805,000 $117,000 $650,000
Credit Application Incomplete 39 $15,875,000 $407,000 $3,005,000 $203,000 $1,818,000
Employment History 35 $10,935,000 $312,000 $1,275,000 $89,000 $530,000
Unverifiable Information 22 $10,820,000 $491,000 $1,935,000 $136,000 $549,000
Insufficient Cash (Downpayment, Closing Cost) 15 $6,155,000 $410,000 $635,000 $107,000 $246,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Synergy One Lending, Inc.'s 2021 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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