Synergy One Lending, Inc. Mortgage Lending & HMDA Data, 2022

In 2022, Synergy One Lending, Inc. of San Diego, CA reported 11,157 mortgage applications totaling $4.3 billion, down 30% from 2021. The average application was for $381,982, and applicants reported an average income of $135,519. 63% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Denver-Aurora-Lakewood, CO (1,093), Dallas-Plano-Irving, TX (541) and Colorado Springs, CO (512) (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 11,157
Total Mortgage Loan Application Amount $4,261,775,000
Average Mortgage Loan Application Amount $381,982
Highest Mortgage Loan Application Amount $3,785,000
Average Applicant Income $135,519
Highest Applicant Income $6,750,000

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records Synergy One Lending, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2022

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
El Paso, Colorado 484 $ 186,790,000 $ 385,929 $ 122,000
San Diego, California 357 $ 237,815,000 $ 666,148 $ 219,000
Ada, Idaho 265 $ 103,715,000 $ 391,377 $ 157,000
Hidalgo, Texas 253 $ 58,325,000 $ 230,533 $ 92,000
Denver, Colorado 251 $ 111,935,000 $ 445,956 $ 154,000
Arapahoe, Colorado 233 $ 87,885,000 $ 377,188 $ 125,000
Sacramento, California 231 $ 88,895,000 $ 384,826 $ 131,000
Adams, Colorado 223 $ 87,615,000 $ 392,892 $ 115,000
Stanislaus, California 214 $ 69,110,000 $ 322,943 $ 110,000
Los Angeles, California 206 $ 144,110,000 $ 699,563 $ 242,000
Jefferson, Colorado 206 $ 97,500,000 $ 473,300 $ 155,000
Harris, Texas 198 $ 49,750,000 $ 251,262 $ 109,000
Tarrant, Texas 198 $ 58,630,000 $ 296,111 $ 114,000
Dallas, Texas 195 $ 57,875,000 $ 296,794 $ 118,000
Marion, Oregon 187 $ 73,525,000 $ 393,181 $ 127,000
Maricopa, Arizona 167 $ 69,865,000 $ 418,353 $ 139,000
Bexar, Texas 158 $ 41,580,000 $ 263,164 $ 106,000
Josephine, Oregon 154 $ 48,580,000 $ 315,454 $ 87,000
Placer, California 148 $ 84,530,000 $ 571,148 $ 175,000
Riverside, California 140 $ 62,500,000 $ 446,428 $ 161,000
Canyon, Idaho 136 $ 44,460,000 $ 326,911 $ 130,000
Latah, Idaho 134 $ 46,060,000 $ 343,731 $ 121,000
Montrose, Colorado 133 $ 38,345,000 $ 288,308 $ 113,000
Deschutes, Oregon 132 $ 67,810,000 $ 513,712 $ 175,000
Douglas, Colorado 131 $ 71,935,000 $ 549,122 $ 176,000
Denton, Texas 126 $ 48,960,000 $ 388,571 $ 140,000
Collin, Texas 120 $ 52,230,000 $ 435,250 $ 216,000
San Bernardino, California 111 $ 45,885,000 $ 413,378 $ 132,000
Washington, Oregon 100 $ 47,300,000 $ 473,000 $ 146,000
Bonneville, Idaho 95 $ 21,685,000 $ 228,263 $ 82,000
Salt Lake, Utah 93 $ 40,325,000 $ 433,602 $ 122,000
Monterey, California 91 $ 72,155,000 $ 792,912 $ 279,000
Benton, Arkansas 89 $ 24,635,000 $ 276,797 $ 111,000
Sonoma, California 87 $ 48,475,000 $ 557,183 $ 176,000
Boulder, Colorado 85 $ 53,125,000 $ 625,000 $ 228,000
Jackson, Missouri 82 $ 15,930,000 $ 194,268 $ 88,000
Multnomah, Oregon 78 $ 35,730,000 $ 458,076 $ 136,000
Weld, Colorado 77 $ 25,865,000 $ 335,909 $ 123,000
Orange, California 73 $ 48,165,000 $ 659,794 $ 207,000
Brazoria, Texas 72 $ 15,130,000 $ 210,138 $ 125,000
Alameda, California 70 $ 38,810,000 $ 554,428 $ 166,000
Pueblo, Colorado 69 $ 13,065,000 $ 189,347 $ 73,000
San Joaquin, California 68 $ 27,060,000 $ 397,941 $ 114,000
Nevada, California 67 $ 39,865,000 $ 595,000 $ 206,000
Cameron, Texas 65 $ 14,685,000 $ 225,923 $ 92,000
Fort Bend, Texas 65 $ 20,875,000 $ 321,153 $ 146,000
Cowlitz, Washington 65 $ 19,115,000 $ 294,076 $ 89,000
Whitman, Washington 62 $ 21,100,000 $ 340,322 $ 118,000
Clackamas, Oregon 60 $ 29,640,000 $ 494,000 $ 148,000
Polk, Oregon 60 $ 23,220,000 $ 387,000 $ 105,000
Contra Costa, California 55 $ 29,305,000 $ 532,818 $ 163,000
Jackson, Oregon 52 $ 17,180,000 $ 330,384 $ 114,000
Clark, Nevada 50 $ 19,390,000 $ 387,800 $ 142,000
Washington, Utah 46 $ 16,970,000 $ 368,913 $ 166,000
Utah, Utah 45 $ 20,265,000 $ 450,333 $ 115,000
Santa Clara, California 41 $ 31,915,000 $ 778,414 $ 231,000
Cook, Illinois 41 $ 11,615,000 $ 283,292 $ 117,000
Montgomery, Texas 41 $ 12,145,000 $ 296,219 $ 149,000
Davis, Utah 39 $ 17,475,000 $ 448,076 $ 117,000
Ellis, Texas 38 $ 13,240,000 $ 348,421 $ 117,000
Pierce, Washington 38 $ 16,440,000 $ 432,631 $ 118,000
Santa Barbara, California 37 $ 33,305,000 $ 900,135 $ 230,000
Spokane, Washington 36 $ 9,670,000 $ 268,611 $ 88,000
Washington, Arkansas 35 $ 9,295,000 $ 265,571 $ 117,000
Galveston, Texas 35 $ 7,555,000 $ 215,857 $ 98,000
Fresno, California 34 $ 10,050,000 $ 295,588 $ 104,000
Kaufman, Texas 33 $ 9,625,000 $ 291,666 $ 88,000
Linn, Oregon 32 $ 11,110,000 $ 347,187 $ 102,000
Merced, California 31 $ 8,825,000 $ 284,677 $ 92,000
Larimer, Colorado 31 $ 11,435,000 $ 368,870 $ 132,000
Johnson, Texas 31 $ 11,085,000 $ 357,580 $ 127,000
Twin Falls, Idaho 30 $ 9,010,000 $ 300,333 $ 86,000
King, Washington 29 $ 17,685,000 $ 609,827 $ 167,000
Teller, Colorado 28 $ 11,350,000 $ 405,357 $ 129,000
Clark, Washington 28 $ 12,930,000 $ 461,785 $ 128,000
Yavapai, Arizona 27 $ 9,345,000 $ 346,111 $ 131,000
Benton, Washington 27 $ 10,325,000 $ 382,407 $ 131,000
San Francisco, California 25 $ 22,445,000 $ 897,800 $ 320,000
Kern, California 24 $ 7,220,000 $ 300,833 $ 136,000
Nez Perce, Idaho 24 $ 7,300,000 $ 304,166 $ 97,000
Washoe, Nevada 24 $ 19,220,000 $ 800,833 $ 218,000
Douglas, Oregon 24 $ 6,090,000 $ 253,750 $ 95,000
Madison, Idaho 23 $ 7,475,000 $ 325,000 $ 100,000
El Dorado, California 21 $ 12,025,000 $ 572,619 $ 204,000
San Mateo, California 21 $ 18,145,000 $ 864,047 $ 250,000
Ventura, California 21 $ 12,335,000 $ 587,380 $ 200,000
Yuba, California 21 $ 6,205,000 $ 295,476 $ 77,000
Delta, Colorado 21 $ 5,405,000 $ 257,380 $ 84,000
Pinal, Arizona 20 $ 5,370,000 $ 268,500 $ 113,000
Imperial, California 20 $ 5,040,000 $ 252,000 $ 93,000
Broomfield, Colorado 20 $ 8,520,000 $ 426,000 $ 149,000
El Paso, Texas 20 $ 3,870,000 $ 193,500 $ 95,000
Guadalupe, Texas 20 $ 7,020,000 $ 351,000 $ 130,000
Williamson, Texas 20 $ 6,620,000 $ 331,000 $ 99,000
Solano, California 19 $ 8,255,000 $ 434,473 $ 112,000
Park, Colorado 19 $ 9,495,000 $ 499,736 $ 143,000
Benton, Oregon 19 $ 6,665,000 $ 350,789 $ 133,000
Hillsborough, Florida 18 $ 5,860,000 $ 325,555 $ 197,000
Bingham, Idaho 18 $ 3,940,000 $ 218,888 $ 77,000
Gem, Idaho 18 $ 6,000,000 $ 333,333 $ 138,000
Travis, Texas 18 $ 7,260,000 $ 403,333 $ 140,000
Tulare, California 17 $ 2,665,000 $ 156,764 $ 66,000
Marion, Indiana 17 $ 3,835,000 $ 225,588 $ 87,000
Weber, Utah 17 $ 6,805,000 $ 400,294 $ 129,000
Snohomish, Washington 17 $ 9,025,000 $ 530,882 $ 164,000
Yamhill, Oregon 16 $ 6,910,000 $ 431,875 $ 113,000
Marin, California 15 $ 17,765,000 $ 1,184,333 $ 348,000
Shasta, California 15 $ 4,565,000 $ 304,333 $ 79,000
Broward, Florida 15 $ 3,685,000 $ 245,666 $ 165,000
Miami-Dade, Florida 15 $ 6,635,000 $ 442,333 $ 138,000
Palm Beach, Florida 15 $ 4,265,000 $ 284,333 $ 87,000
Pasco, Florida 15 $ 4,595,000 $ 306,333 $ 119,000
Jefferson, Idaho 15 $ 4,185,000 $ 279,000 $ 88,000
Bell, Texas 15 $ 3,315,000 $ 221,000 $ 89,000
Hays, Texas 15 $ 6,525,000 $ 435,000 $ 187,000
Rockwall, Texas 15 $ 4,555,000 $ 303,666 $ 165,000
Wise, Texas 15 $ 3,575,000 $ 238,333 $ 91,000
Asotin, Washington 15 $ 4,505,000 $ 300,333 $ 113,000
Pima, Arizona 14 $ 4,120,000 $ 294,285 $ 152,000
Fremont, Colorado 14 $ 3,720,000 $ 265,714 $ 69,000
Payette, Idaho 14 $ 3,380,000 $ 241,428 $ 74,000
Johnson, Kansas 14 $ 4,180,000 $ 298,571 $ 152,000
Jefferson, Louisiana 14 $ 2,290,000 $ 163,571 $ 67,000
Oklahoma, Oklahoma 14 $ 4,290,000 $ 306,428 $ 403,000
Hunt, Texas 14 $ 3,230,000 $ 230,714 $ 90,000
Brevard, Florida 13 $ 3,895,000 $ 299,615 $ 100,000
Comal, Texas 13 $ 5,725,000 $ 440,384 $ 200,000
Henderson, Texas 13 $ 3,785,000 $ 291,153 $ 118,000
Parker, Texas 13 $ 5,055,000 $ 388,846 $ 171,000
Grand, Colorado 12 $ 7,500,000 $ 625,000 $ 421,000
San Miguel, Colorado 12 $ 11,940,000 $ 995,000 $ 455,000
Orleans, Louisiana 12 $ 2,670,000 $ 222,500 $ 125,000
Clay, Missouri 12 $ 2,550,000 $ 212,500 $ 82,000
Jefferson, Oregon 12 $ 4,110,000 $ 342,500 $ 96,000
Davidson, Tennessee 12 $ 4,290,000 $ 357,500 $ 166,000
Grayson, Texas 12 $ 3,980,000 $ 331,666 $ 112,000
Madera, California 11 $ 3,195,000 $ 290,454 $ 111,000
Yolo, California 11 $ 4,185,000 $ 380,454 $ 139,000
Mesa, Colorado 11 $ 4,185,000 $ 380,454 $ 96,000
Elmore, Idaho 11 $ 2,965,000 $ 269,545 $ 90,000
Wyandotte, Kansas 11 $ 1,785,000 $ 162,272 $ 71,000
Cass, Missouri 11 $ 2,435,000 $ 221,363 $ 93,000
Coos, Oregon 11 $ 2,635,000 $ 239,545 $ 87,000
Lane, Oregon 11 $ 4,435,000 $ 403,181 $ 112,000
Deaf Smith, Texas 11 $ 2,125,000 $ 193,181 $ 63,000
Mohave, Arizona 10 $ 3,050,000 $ 305,000 $ 105,000
Lee, Florida 10 $ 2,360,000 $ 236,000 $ 75,000
Pinellas, Florida 10 $ 2,470,000 $ 247,000 $ 103,000
Middlesex, Massachusetts 10 $ 2,940,000 $ 294,000 $ 119,000
Thurston, Washington 10 $ 4,500,000 $ 450,000 $ 146,000
Volusia, Florida 9 $ 1,945,000 $ 216,111 $ 95,000
Gwinnett, Georgia 9 $ 2,385,000 $ 265,000 $ 102,000
Maui, Hawaii 9 $ 5,565,000 $ 618,333 $ 209,000
Wayne, Michigan 9 $ 1,395,000 $ 155,000 $ 39,000
Cooke, Texas 9 $ 1,865,000 $ 207,222 $ 100,000
Yuma, Arizona 8 $ 2,040,000 $ 255,000 $ 118,000
Butte, California 8 $ 2,320,000 $ 290,000 $ 94,000
Eagle, Colorado 8 $ 6,760,000 $ 845,000 $ 339,000
Orange, Florida 8 $ 3,010,000 $ 376,250 $ 148,000
Polk, Florida 8 $ 2,580,000 $ 322,500 $ 125,000
Hall, Georgia 8 $ 1,960,000 $ 245,000 $ 80,000
Valley, Idaho 8 $ 3,900,000 $ 487,500 $ 195,000
Miami, Kansas 8 $ 1,590,000 $ 198,750 $ 61,000
Suffolk, Massachusetts 8 $ 2,430,000 $ 303,750 $ 59,000
Oakland, Michigan 8 $ 2,320,000 $ 290,000 $ 124,000
Hennepin, Minnesota 8 $ 2,180,000 $ 272,500 $ 137,000
Cuyahoga, Ohio 8 $ 1,730,000 $ 216,250 $ 135,000
Montgomery, Ohio 8 $ 1,230,000 $ 153,750 $ 42,000
Klamath, Oregon 8 $ 1,740,000 $ 217,500 $ 62,000
Smith, Texas 8 $ 2,530,000 $ 316,250 $ 117,000
Wharton, Texas 8 $ 1,900,000 $ 237,500 $ 96,000
Madison, Alabama 7 $ 1,555,000 $ 222,142 $ 125,000
Montgomery, Alabama 7 $ 785,000 $ 112,142 $ 89,000
Calaveras, California 7 $ 2,345,000 $ 335,000 $ 138,000
Kings, California 7 $ 1,495,000 $ 213,571 $ 73,000
Lake, California 7 $ 1,495,000 $ 213,571 $ 76,000
Napa, California 7 $ 4,275,000 $ 610,714 $ 171,000
Tuolumne, California 7 $ 2,985,000 $ 426,428 $ 161,000
Las Animas, Colorado 7 $ 1,485,000 $ 212,142 $ 95,000
Ouray, Colorado 7 $ 3,115,000 $ 445,000 $ 144,000
Lake, Florida 7 $ 1,985,000 $ 283,571 $ 62,000
Manatee, Florida 7 $ 1,875,000 $ 267,857 $ 74,000
Sarasota, Florida 7 $ 2,395,000 $ 342,142 $ 92,000
Cobb, Georgia 7 $ 2,445,000 $ 349,285 $ 129,000
DeKalb, Georgia 7 $ 1,415,000 $ 202,142 $ 63,000
Muscogee, Georgia 7 $ 1,365,000 $ 195,000 $ 58,000
Jefferson, Kentucky 7 $ 1,765,000 $ 252,142 $ 190,000
Livingston, Louisiana 7 $ 1,795,000 $ 256,428 $ 156,000
Ingham, Michigan 7 $ 835,000 $ 119,285 $ 77,000
Yellowstone, Montana 7 $ 2,145,000 $ 306,428 $ 54,000
Santa Fe, New Mexico 7 $ 4,105,000 $ 586,428 $ 297,000
Crook, Oregon 7 $ 2,265,000 $ 323,571 $ 94,000
Montgomery, Tennessee 7 $ 1,585,000 $ 226,428 $ 67,000
Rutherford, Tennessee 7 $ 1,425,000 $ 203,571 $ 59,000
Nueces, Texas 7 $ 1,335,000 $ 190,714 $ 102,000
Waller, Texas 7 $ 3,385,000 $ 483,571 $ 172,000
Iron, Utah 7 $ 2,625,000 $ 375,000 $ 894,000
Pacific, Washington 7 $ 1,105,000 $ 157,857 $ 106,000
Jefferson, Alabama 6 $ 770,000 $ 128,333 $ 38,000
Amador, California 6 $ 1,890,000 $ 315,000 $ 114,000
Mendocino, California 6 $ 2,210,000 $ 368,333 $ 85,000
Sutter, California 6 $ 2,080,000 $ 346,666 $ 87,000
Elbert, Colorado 6 $ 2,540,000 $ 423,333 $ 115,000
Morgan, Colorado 6 $ 1,410,000 $ 235,000 $ 58,000
Summit, Colorado 6 $ 5,360,000 $ 893,333 $ 311,000
District of Columbia, District Of Columbia 6 $ 1,970,000 $ 328,333 $ 144,000
Marion, Florida 6 $ 830,000 $ 138,333 $ 39,000
Osceola, Florida 6 $ 1,740,000 $ 290,000 $ 113,000
St. Johns, Florida 6 $ 3,140,000 $ 523,333 $ 184,000
Walton, Florida 6 $ 4,830,000 $ 805,000 $ 337,000
Chatham, Georgia 6 $ 1,370,000 $ 228,333 $ 170,000
Fulton, Georgia 6 $ 2,320,000 $ 386,666 $ 254,000
Boise, Idaho 6 $ 2,050,000 $ 341,666 $ 178,000
Lake, Illinois 6 $ 1,370,000 $ 228,333 $ 85,000
Allen, Indiana 6 $ 1,240,000 $ 206,666 $ 237,000
Essex, Massachusetts 6 $ 2,140,000 $ 356,666 $ 84,000
Worcester, Massachusetts 6 $ 1,490,000 $ 248,333 $ 73,000
Macomb, Michigan 6 $ 1,080,000 $ 180,000 $ 67,000
Greene, Missouri 6 $ 1,320,000 $ 220,000 $ 106,000
Platte, Missouri 6 $ 1,650,000 $ 275,000 $ 75,000
Ray, Missouri 6 $ 1,280,000 $ 213,333 $ 72,000
Bernalillo, New Mexico 6 $ 1,130,000 $ 188,333 $ 92,000
Columbia, Oregon 6 $ 2,220,000 $ 370,000 $ 119,000
Liberty, Texas 6 $ 1,210,000 $ 201,666 $ 78,000
McLennan, Texas 6 $ 2,100,000 $ 350,000 $ 133,000
Wasatch, Utah 6 $ 4,230,000 $ 705,000 $ 116,000
Kitsap, Washington 6 $ 2,550,000 $ 425,000 $ 122,000
Lewis, Washington 6 $ 1,700,000 $ 283,333 $ 104,000
Baldwin, Alabama 5 $ 1,025,000 $ 205,000 $ 80,000
Plumas, California 5 $ 1,415,000 $ 283,000 $ 100,000
Logan, Colorado 5 $ 1,285,000 $ 257,000 $ 90,000
New Haven, Connecticut 5 $ 945,000 $ 189,000 $ 72,000
Clay, Florida 5 $ 1,115,000 $ 223,000 $ 92,000
Duval, Florida 5 $ 1,065,000 $ 213,000 $ 160,000
Escambia, Florida 5 $ 1,435,000 $ 287,000 $ 162,000
Santa Rosa, Florida 5 $ 955,000 $ 191,000 $ 46,000
Henry, Georgia 5 $ 1,185,000 $ 237,000 $ 53,000
Bannock, Idaho 5 $ 1,175,000 $ 235,000 $ 93,000
Elkhart, Indiana 5 $ 745,000 $ 149,000 $ 82,000
Lake, Indiana 5 $ 845,000 $ 169,000 $ 65,000
Ascension, Louisiana 5 $ 1,055,000 $ 211,000 $ 67,000
Dakota, Minnesota 5 $ 1,475,000 $ 295,000 $ 89,000
Ramsey, Minnesota 5 $ 1,575,000 $ 315,000 $ 95,000
McDonald, Missouri 5 $ 955,000 $ 191,000 $ 60,000
St. Louis, Missouri 5 $ 925,000 $ 185,000 $ 69,000
Dona Ana, New Mexico 5 $ 1,205,000 $ 241,000 $ 119,000
Cumberland, North Carolina 5 $ 665,000 $ 133,000 $ 165,000
Mecklenburg, North Carolina 5 $ 1,115,000 $ 223,000 $ 54,000
Onslow, North Carolina 5 $ 1,425,000 $ 285,000 $ 77,000
Hamilton, Ohio 5 $ 905,000 $ 181,000 $ 79,000
Lincoln, Oregon 5 $ 2,445,000 $ 489,000 $ 147,000
Malheur, Oregon 5 $ 2,205,000 $ 441,000 $ 109,000
Richland, South Carolina 5 $ 1,165,000 $ 233,000 $ 381,000
Knox, Tennessee 5 $ 1,345,000 $ 269,000 $ 130,000
Maury, Tennessee 5 $ 1,315,000 $ 263,000 $ 56,000
Sumner, Tennessee 5 $ 1,775,000 $ 355,000 $ 116,000
Williamson, Tennessee 5 $ 3,685,000 $ 737,000 $ 339,000
Navarro, Texas 5 $ 2,775,000 $ 555,000 $ 205,000
Webb, Texas 5 $ 1,045,000 $ 209,000 $ 51,000
Wilson, Texas 5 $ 1,555,000 $ 311,000 $ 119,000
Tooele, Utah 5 $ 2,135,000 $ 427,000 $ 91,000
Henrico, Virginia 5 $ 1,445,000 $ 289,000 $ 138,000
Chelan, Washington 5 $ 1,715,000 $ 343,000 $ 110,000
Skagit, Washington 5 $ 1,885,000 $ 377,000 $ 314,000
Whatcom, Washington 5 $ 2,275,000 $ 455,000 $ 182,000
Garland, Arkansas 4 $ 740,000 $ 185,000 $ 63,000
San Benito, California 4 $ 2,080,000 $ 520,000 $ 170,000
San Luis Obispo, California 4 $ 2,170,000 $ 542,500 $ 209,000
Huerfano, Colorado 4 $ 1,160,000 $ 290,000 $ 115,000
Fairfield, Connecticut 4 $ 910,000 $ 227,500 $ 46,000
Bay, Florida 4 $ 950,000 $ 237,500 $ 102,000
Seminole, Florida 4 $ 780,000 $ 195,000 $ 71,000
St. Lucie, Florida 4 $ 860,000 $ 215,000 $ 56,000
Honolulu, Hawaii 4 $ 2,160,000 $ 540,000 $ 340,000
DuPage, Illinois 4 $ 840,000 $ 210,000 $ 109,000
St. Joseph, Indiana 4 $ 580,000 $ 145,000 $ 59,000
Vigo, Indiana 4 $ 250,000 $ 62,500 $ 124,000
Polk, Iowa 4 $ 740,000 $ 185,000 $ 63,000
Caddo, Louisiana 4 $ 570,000 $ 142,500 $ 57,000
Baltimore City, Maryland 4 $ 1,280,000 $ 320,000 $ 171,000
Bristol, Massachusetts 4 $ 1,150,000 $ 287,500 $ 66,000
Plymouth, Massachusetts 4 $ 1,660,000 $ 415,000 $ 121,000
Wright, Minnesota 4 $ 760,000 $ 190,000 $ 66,000
Johnson, Missouri 4 $ 1,000,000 $ 250,000 $ 76,000
Gallatin, Montana 4 $ 930,000 $ 232,500 $ 83,000
Carson City, Nevada 4 $ 2,290,000 $ 572,500 $ 186,000
Colfax, New Mexico 4 $ 1,620,000 $ 405,000 $ 267,000
Butler, Ohio 4 $ 610,000 $ 152,500 $ 46,000
Franklin, Ohio 4 $ 730,000 $ 182,500 $ 50,000
Summit, Ohio 4 $ 730,000 $ 182,500 $ 127,000
Tulsa, Oklahoma 4 $ 800,000 $ 200,000 $ 66,000
Horry, South Carolina 4 $ 950,000 $ 237,500 $ 57,000
Atascosa, Texas 4 $ 1,300,000 $ 325,000 $ 96,000
Austin, Texas 4 $ 1,000,000 $ 250,000 $ 48,000
Brown, Texas 4 $ 540,000 $ 135,000 $ 107,000
Fannin, Texas 4 $ 870,000 $ 217,500 $ 106,000
Hood, Texas 4 $ 1,470,000 $ 367,500 $ 116,000
Maverick, Texas 4 $ 830,000 $ 207,500 $ 57,000
Medina, Texas 4 $ 1,020,000 $ 255,000 $ 93,000
Potter, Texas 4 $ 950,000 $ 237,500 $ 137,000
Loudoun, Virginia 4 $ 2,330,000 $ 582,500 $ 169,000
Walla Walla, Washington 4 $ 1,490,000 $ 372,500 $ 212,000
Kenosha, Wisconsin 4 $ 430,000 $ 107,500 $ 55,000
Waukesha, Wisconsin 4 $ 810,000 $ 202,500 $ 78,000
Blount, Alabama 3 $ 635,000 $ 211,666 $ 91,000
Calhoun, Alabama 3 $ 925,000 $ 308,333 $ 114,000
Elmore, Alabama 3 $ 505,000 $ 168,333 $ 53,000
Lauderdale, Alabama 3 $ 375,000 $ 125,000 $ 41,000
Mobile, Alabama 3 $ 475,000 $ 158,333 $ 33,000
Shelby, Alabama 3 $ 1,045,000 $ 348,333 $ 164,000
Craighead, Arkansas 3 $ 675,000 $ 225,000 $ 104,000
Humboldt, California 3 $ 1,315,000 $ 438,333 $ 238,000
Santa Cruz, California 3 $ 1,845,000 $ 615,000 $ 118,000
Siskiyou, California 3 $ 455,000 $ 151,666 $ 56,000
Clear Creek, Colorado 3 $ 1,465,000 $ 488,333 $ 274,000
Garfield, Colorado 3 $ 2,255,000 $ 751,666 $ 219,000
La Plata, Colorado 3 $ 1,645,000 $ 548,333 $ 138,000
Routt, Colorado 3 $ 1,805,000 $ 601,666 $ 212,000
Hartford, Connecticut 3 $ 735,000 $ 245,000 $ 108,000
Indian River, Florida 3 $ 615,000 $ 205,000 $ 81,000
Clayton, Georgia 3 $ 565,000 $ 188,333 $ 143,000
Douglas, Georgia 3 $ 585,000 $ 195,000 $ 45,000
Houston, Georgia 3 $ 605,000 $ 201,666 $ 75,000
Richmond, Georgia 3 $ 385,000 $ 128,333 $ 178,000
Blaine, Idaho 3 $ 2,675,000 $ 891,666 $ 313,000
Jerome, Idaho 3 $ 675,000 $ 225,000 $ 58,000
Kootenai, Idaho 3 $ 1,055,000 $ 351,666 $ 139,000
Minidoka, Idaho 3 $ 865,000 $ 288,333 $ 98,000
Kane, Illinois 3 $ 705,000 $ 235,000 $ 163,000
McHenry, Illinois 3 $ 625,000 $ 208,333 $ 106,000
Sangamon, Illinois 3 $ 305,000 $ 101,666 $ 107,000
Hamilton, Indiana 3 $ 1,465,000 $ 488,333 $ 163,000
Johnson, Indiana 3 $ 625,000 $ 208,333 $ 62,000
Monroe, Indiana 3 $ 495,000 $ 165,000 $ 60,000
Tippecanoe, Indiana 3 $ 355,000 $ 118,333 $ 83,000
Franklin, Kansas 3 $ 445,000 $ 148,333 $ 79,000
Pottawatomie, Kansas 3 $ 655,000 $ 218,333 $ 57,000
Sedgwick, Kansas 3 $ 545,000 $ 181,666 $ 49,000
Shawnee, Kansas 3 $ 305,000 $ 101,666 $ 53,000
Boone, Kentucky 3 $ 1,065,000 $ 355,000 $ 110,000
Mason, Kentucky 3 $ 265,000 $ 88,333 $ 58,000
Bossier, Louisiana 3 $ 475,000 $ 158,333 $ 82,000
East Baton Rouge, Louisiana 3 $ 425,000 $ 141,666 $ 141,000
Ouachita, Louisiana 3 $ 615,000 $ 205,000 $ 65,000
St. John the Baptist, Louisiana 3 $ 515,000 $ 171,666 $ 46,000
Webster, Louisiana 3 $ 535,000 $ 178,333 $ 45,000
Barnstable, Massachusetts 3 $ 2,685,000 $ 895,000 $ 252,000
Norfolk, Massachusetts 3 $ 1,055,000 $ 351,666 $ 81,000
Genesee, Michigan 3 $ 415,000 $ 138,333 $ 52,000
Muskegon, Michigan 3 $ 325,000 $ 108,333 $ 59,000
Anoka, Minnesota 3 $ 785,000 $ 261,666 $ 101,000
Mower, Minnesota 3 $ 325,000 $ 108,333 $ 34,000
Camden, Missouri 3 $ 1,265,000 $ 421,666 $ 164,000
Lafayette, Missouri 3 $ 385,000 $ 128,333 $ 51,000
Sarpy, Nebraska 3 $ 735,000 $ 245,000 $ 61,000
Brunswick, North Carolina 3 $ 795,000 $ 265,000 $ 99,000
Guilford, North Carolina 3 $ 955,000 $ 318,333 $ 97,000
Wake, North Carolina 3 $ 615,000 $ 205,000 $ 50,000
Cass, North Dakota 3 $ 925,000 $ 308,333 $ 69,000
Lorain, Ohio 3 $ 595,000 $ 198,333 $ 117,000
Trumbull, Ohio 3 $ 515,000 $ 171,666 $ 66,000
Logan, Oklahoma 3 $ 745,000 $ 248,333 $ 70,000
Baker, Oregon 3 $ 425,000 $ 141,666 $ 72,000
Umatilla, Oregon 3 $ 925,000 $ 308,333 $ 110,000
Spartanburg, South Carolina 3 $ 495,000 $ 165,000 $ 55,000
Hamilton, Tennessee 3 $ 405,000 $ 135,000 $ 29,000
Robertson, Tennessee 3 $ 675,000 $ 225,000 $ 81,000
Sevier, Tennessee 3 $ 1,635,000 $ 545,000 $ 103,000
Shelby, Tennessee 3 $ 665,000 $ 221,666 $ 106,000
Bowie, Texas 3 $ 305,000 $ 101,666 $ 61,000
Burnet, Texas 3 $ 565,000 $ 188,333 $ 73,000
Coryell, Texas 3 $ 775,000 $ 258,333 $ 60,000
Ector, Texas 3 $ 345,000 $ 115,000 $ 238,000
Gray, Texas 3 $ 365,000 $ 121,666 $ 68,000
Hill, Texas 3 $ 725,000 $ 241,666 $ 91,000
Hopkins, Texas 3 $ 395,000 $ 131,666 $ 60,000
Jefferson, Texas 3 $ 335,000 $ 111,666 $ 63,000
Midland, Texas 3 $ 435,000 $ 145,000 $ 96,000
Randall, Texas 3 $ 955,000 $ 318,333 $ 162,000
Newport News, Virginia 3 $ 525,000 $ 175,000 $ 83,000
Spotsylvania, Virginia 3 $ 835,000 $ 278,333 $ 84,000
Columbia, Washington 3 $ 1,205,000 $ 401,666 $ 171,000
Grant, Washington 3 $ 1,365,000 $ 455,000 $ 89,000
Lincoln, Washington 3 $ 395,000 $ 131,666 $ 53,000
Dale, Alabama 2 $ 280,000 $ 140,000 $ 58,000
St. Clair, Alabama 2 $ 330,000 $ 165,000 $ 66,000
Coconino, Arizona 2 $ 1,070,000 $ 535,000 $ 352,000
Boone, Arkansas 2 $ 250,000 $ 125,000 $ 40,000
Lonoke, Arkansas 2 $ 310,000 $ 155,000 $ 107,000
Madison, Arkansas 2 $ 340,000 $ 170,000 $ 93,000
Pulaski, Arkansas 2 $ 460,000 $ 230,000 $ 171,000
Colusa, California 2 $ 480,000 $ 240,000 $ 74,000
Bent, Colorado 2 $ 180,000 $ 90,000 $ 72,000
Kit Carson, Colorado 2 $ 400,000 $ 200,000 $ 154,000
Lincoln, Colorado 2 $ 510,000 $ 255,000 $ 143,000
Pitkin, Colorado 2 $ 470,000 $ 235,000 $ 200,000
Charlotte, Florida 2 $ 620,000 $ 310,000 $ 159,000
Citrus, Florida 2 $ 450,000 $ 225,000 $ 39,000
Collier, Florida 2 $ 600,000 $ 300,000 $ 138,000
Flagler, Florida 2 $ 500,000 $ 250,000 $ 82,000
Franklin, Florida 2 $ 210,000 $ 105,000 $ 38,000
Hernando, Florida 2 $ 400,000 $ 200,000 $ 47,000
Martin, Florida 2 $ 1,110,000 $ 555,000 $ 105,000
Sumter, Florida 2 $ 300,000 $ 150,000 $ 44,000
Atkinson, Georgia 2 $ 180,000 $ 90,000 $ 39,000
Bibb, Georgia 2 $ 170,000 $ 85,000 $ 103,000
Bulloch, Georgia 2 $ 390,000 $ 195,000 $ 77,000
Cherokee, Georgia 2 $ 260,000 $ 130,000 $ 23,000
Clarke, Georgia 2 $ 380,000 $ 190,000 $ 169,000
Columbia, Georgia 2 $ 500,000 $ 250,000 $ 56,000
Effingham, Georgia 2 $ 280,000 $ 140,000 $ 68,000
Glynn, Georgia 2 $ 760,000 $ 380,000 $ 248,000
Paulding, Georgia 2 $ 490,000 $ 245,000 $ 84,000
Putnam, Georgia 2 $ 640,000 $ 320,000 $ 190,000
Adams, Idaho 2 $ 580,000 $ 290,000 $ 76,000
Bonner, Idaho 2 $ 1,400,000 $ 700,000 $ 219,000
Clearwater, Idaho 2 $ 400,000 $ 200,000 $ 42,000
Custer, Idaho 2 $ 1,040,000 $ 520,000 $ 67,000
Idaho, Idaho 2 $ 820,000 $ 410,000 $ 98,000
Owyhee, Idaho 2 $ 600,000 $ 300,000 $ 67,000
Teton, Idaho 2 $ 1,800,000 $ 900,000 $ 421,000
Washington, Idaho 2 $ 440,000 $ 220,000 $ 46,000
Adams, Illinois 2 $ 300,000 $ 150,000 $ 67,000
Iroquois, Illinois 2 $ 120,000 $ 60,000 $ 17,000
Knox, Illinois 2 $ 170,000 $ 85,000 $ 225,000
Lawrence, Illinois 2 $ 180,000 $ 90,000 $ 39,000
Will, Illinois 2 $ 320,000 $ 160,000 $ 135,000
Franklin, Indiana 2 $ 590,000 $ 295,000 $ 103,000
Madison, Indiana 2 $ 280,000 $ 140,000 $ 46,000
Warren, Iowa 2 $ 320,000 $ 160,000 $ 77,000
Woodbury, Iowa 2 $ 420,000 $ 210,000 $ 69,000
Butler, Kansas 2 $ 280,000 $ 140,000 $ 50,000
Fayette, Kentucky 2 $ 810,000 $ 405,000 $ 142,000
Franklin, Kentucky 2 $ 440,000 $ 220,000 $ 137,000
Kenton, Kentucky 2 $ 270,000 $ 135,000 $ 87,000
Laurel, Kentucky 2 $ 400,000 $ 200,000 $ 110,000
Oldham, Kentucky 2 $ 430,000 $ 215,000 $ 164,000
Iberia, Louisiana 2 $ 260,000 $ 130,000 $ 46,000
Tangipahoa, Louisiana 2 $ 360,000 $ 180,000 $ 78,000
Anne Arundel, Maryland 2 $ 680,000 $ 340,000 $ 246,000
Howard, Maryland 2 $ 1,260,000 $ 630,000 $ 183,000
Hampden, Massachusetts 2 $ 370,000 $ 185,000 $ 68,000
Berrien, Michigan 2 $ 370,000 $ 185,000 $ 74,000
Eaton, Michigan 2 $ 310,000 $ 155,000 $ 76,000
Manistee, Michigan 2 $ 140,000 $ 70,000 $ 24,000
St. Clair, Michigan 2 $ 260,000 $ 130,000 $ 53,000
Blue Earth, Minnesota 2 $ 310,000 $ 155,000 $ 26,000
St. Louis, Minnesota 2 $ 260,000 $ 130,000 $ 93,000
Washington, Minnesota 2 $ 620,000 $ 310,000 $ 82,000
Claiborne, Mississippi 2 $ 450,000 $ 225,000 $ 72,000
Forrest, Mississippi 2 $ 160,000 $ 80,000 $ 54,000
Hinds, Mississippi 2 $ 350,000 $ 175,000 $ 29,000
Lauderdale, Mississippi 2 $ 440,000 $ 220,000 $ 48,000
Lee, Mississippi 2 $ 390,000 $ 195,000 $ 50,000
Barry, Missouri 2 $ 380,000 $ 190,000 $ 50,000
Christian, Missouri 2 $ 460,000 $ 230,000 $ 73,000
Cole, Missouri 2 $ 210,000 $ 105,000 $ 33,000
Jefferson, Missouri 2 $ 390,000 $ 195,000 $ 44,000
Livingston, Missouri 2 $ 290,000 $ 145,000 $ 92,000
Miller, Missouri 2 $ 550,000 $ 275,000 $ 65,000
Pettis, Missouri 2 $ 160,000 $ 80,000 $ 42,000
St. Louis City, Missouri 2 $ 250,000 $ 125,000 $ 94,000
Stone, Missouri 2 $ 390,000 $ 195,000 $ 65,000
Flathead, Montana 2 $ 530,000 $ 265,000 $ 103,000
Missoula, Montana 2 $ 970,000 $ 485,000 $ 198,000
Park, Montana 2 $ 810,000 $ 405,000 $ 142,000
Douglas, Nebraska 2 $ 820,000 $ 410,000 $ 136,000
Curry, New Mexico 2 $ 290,000 $ 145,000 $ 407,000
San Juan, New Mexico 2 $ 450,000 $ 225,000 $ 111,000
Sandoval, New Mexico 2 $ 390,000 $ 195,000 $ 61,000
Taos, New Mexico 2 $ 640,000 $ 320,000 $ 100,000
Cabarrus, North Carolina 2 $ 270,000 $ 135,000 $ 93,000
Gaston, North Carolina 2 $ 430,000 $ 215,000 $ 95,000
Harnett, North Carolina 2 $ 600,000 $ 300,000 $ 183,000
Henderson, North Carolina 2 $ 290,000 $ 145,000 $ 36,000
Johnston, North Carolina 2 $ 610,000 $ 305,000 $ 102,000
Wilson, North Carolina 2 $ 220,000 $ 110,000 $ 90,000
Delaware, Ohio 2 $ 390,000 $ 195,000 $ 59,000
Knox, Ohio 2 $ 530,000 $ 265,000 $ 100,000
Stark, Ohio 2 $ 240,000 $ 120,000 $ 57,000
Canadian, Oklahoma 2 $ 600,000 $ 300,000 $ 188,000
Mayes, Oklahoma 2 $ 300,000 $ 150,000 $ 97,000
Clatsop, Oregon 2 $ 930,000 $ 465,000 $ 189,000
Curry, Oregon 2 $ 1,050,000 $ 525,000 $ 509,000
Lake, Oregon 2 $ 260,000 $ 130,000 $ 43,000
Tillamook, Oregon 2 $ 730,000 $ 365,000 $ 160,000
Union, Oregon 2 $ 620,000 $ 310,000 $ 131,000
Aiken, South Carolina 2 $ 430,000 $ 215,000 $ 49,000
Berkeley, South Carolina 2 $ 600,000 $ 300,000 $ 51,000
Charleston, South Carolina 2 $ 440,000 $ 220,000 $ 75,000
Darlington, South Carolina 2 $ 290,000 $ 145,000 $ 159,000
Lexington, South Carolina 2 $ 300,000 $ 150,000 $ 61,000
Oconee, South Carolina 2 $ 470,000 $ 235,000 $ 91,000
Corson, South Dakota 2 $ 280,000 $ 140,000 $ 77,000
Bledsoe, Tennessee 2 $ 300,000 $ 150,000 $ 77,000
Carter, Tennessee 2 $ 250,000 $ 125,000 $ 17,000
Washington, Tennessee 2 $ 1,010,000 $ 505,000 $ 182,000
Wilson, Tennessee 2 $ 540,000 $ 270,000 $ 43,000
Anderson, Texas 2 $ 230,000 $ 115,000 $ 75,000
Angelina, Texas 2 $ 430,000 $ 215,000 $ 56,000
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Mortgage Loan Application Detail Totals for Synergy One Lending, Inc. in 2022

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 7,916 $3,222,610,000 $407,000 $3,785,000 $143,000 $6,750,000
Cash-out Refinancing 2,208 $694,240,000 $314,000 $1,915,000 $115,000 $5,537,000
Refinancing 878 $304,550,000 $346,000 $2,545,000 $129,000 $995,000
Home Improvement 154 $40,300,000 $261,000 $1,875,000 $83,000 $320,000
Other Purpose 1 $75,000 $75,000 $75,000 $37,000 $37,000
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 5,647 $2,246,785,000 $397,000 $3,785,000 $144,000 $5,681,000
Not Provided 2,433 $969,355,000 $398,000 $2,775,000 $140,000 $1,703,000
Hispanic 1,896 $609,300,000 $321,000 $2,625,000 $111,000 $6,750,000
Black or African American 631 $185,435,000 $293,000 $1,055,000 $105,000 $1,728,000
Asian 431 $201,345,000 $467,000 $1,925,000 $163,000 $1,413,000
American Indian or Alaskan Native 55 $20,255,000 $368,000 $875,000 $115,000 $422,000
Native Hawaiian or Other Pacific Islander 44 $18,410,000 $418,000 $1,155,000 $123,000 $351,000
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) 8,331 $3,275,755,000 $393,000 $3,785,000 $150,000 $6,750,000
FHA-insured (Federal Housing Administration) 1,891 $611,965,000 $323,000 $985,000 $91,000 $498,000
VA-guaranteed (Veterans Administration) 893 $364,995,000 $408,000 $1,485,000 $102,000 $729,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 42 $9,060,000 $215,000 $505,000 $65,000 $153,000

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 7,034 $2,825,890,000 $401,000 $3,005,000 $144,000 $6,750,000
Application Withdrawn By Applicant 3,089 $1,130,335,000 $365,000 $3,785,000 $129,000 $2,452,000
Application Denied By Financial Institution 702 $221,880,000 $316,000 $1,955,000 $104,000 $5,681,000
File Closed For Incompleteness 313 $79,505,000 $254,000 $1,755,000 $86,000 $771,000
Application Approved But Not Accepted 19 $4,165,000 $219,000 $625,000 $81,000 $206,000
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 10,455 $4,039,895,000 $386,000 $3,785,000 $138,000 $6,750,000
Debt-To-Income Ratio 283 $91,025,000 $321,000 $1,805,000 $78,000 $539,000
Credit History 172 $43,610,000 $253,000 $1,455,000 $79,000 $567,000
Other 107 $38,695,000 $361,000 $1,595,000 $130,000 $1,418,000
Insufficient Cash (Downpayment, Closing Cost) 39 $13,145,000 $337,000 $1,335,000 $113,000 $480,000
Collateral 39 $11,825,000 $303,000 $845,000 $295,000 $5,681,000
Employment History 36 $12,400,000 $344,000 $1,955,000 $84,000 $262,000
Unverifiable Information 21 $9,435,000 $449,000 $1,875,000 $199,000 $829,000
Credit Application Incomplete 5 $1,745,000 $349,000 $435,000 $86,000 $112,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Synergy One Lending, Inc.'s 2022 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.
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