Synergy One Lending, Inc. Mortgage Lending & HMDA Data, 2023

In 2023, Synergy One Lending, Inc. of San Diego, CA reported 6,102 mortgage applications totaling $2.2 billion, down 45% from 2022. The average application was for $364,572, and applicants reported an average income of $166,828. 69% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Denver-Aurora-Lakewood, CO (698), Boise City, ID (461) and San Diego-Carlsbad, CA (414) (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 6,102
Total Mortgage Loan Application Amount $2,224,620,000
Average Mortgage Loan Application Amount $364,572
Highest Mortgage Loan Application Amount $7,155,000
Average Applicant Income $166,828
Highest Applicant Income $6,098,000

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records Synergy One Lending, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2023

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 414 $ 198,810,000 $ 480,217 $ 214,000
Ada, Idaho 290 $ 101,480,000 $ 349,931 $ 150,000
Los Angeles, California 179 $ 112,905,000 $ 630,754 $ 271,000
Stanislaus, California 173 $ 43,065,000 $ 248,930 $ 140,000
El Paso, Colorado 172 $ 63,360,000 $ 368,372 $ 133,000
Adams, Colorado 160 $ 46,980,000 $ 293,625 $ 117,000
Denver, Colorado 158 $ 73,350,000 $ 464,240 $ 208,000
Canyon, Idaho 158 $ 37,890,000 $ 239,810 $ 107,000
Arapahoe, Colorado 151 $ 50,775,000 $ 336,258 $ 147,000
Marion, Oregon 141 $ 51,745,000 $ 366,985 $ 128,000
Jefferson, Colorado 140 $ 58,410,000 $ 417,214 $ 170,000
Placer, California 118 $ 50,480,000 $ 427,796 $ 205,000
Tarrant, Texas 111 $ 31,975,000 $ 288,063 $ 131,000
Sacramento, California 102 $ 36,520,000 $ 358,039 $ 136,000
Dallas, Texas 93 $ 30,485,000 $ 327,795 $ 150,000
Riverside, California 91 $ 33,125,000 $ 364,010 $ 141,000
Monterey, California 83 $ 57,445,000 $ 692,108 $ 391,000
Montrose, Colorado 82 $ 26,530,000 $ 323,536 $ 117,000
Harris, Texas 82 $ 26,160,000 $ 319,024 $ 151,000
Denton, Texas 81 $ 36,795,000 $ 454,259 $ 174,000
Hidalgo, Texas 76 $ 16,010,000 $ 210,657 $ 88,000
Jackson, Missouri 74 $ 12,850,000 $ 173,648 $ 82,000
Cowlitz, Washington 64 $ 17,200,000 $ 268,750 $ 112,000
Orange, California 63 $ 42,115,000 $ 668,492 $ 289,000
Douglas, Colorado 61 $ 28,785,000 $ 471,885 $ 171,000
Josephine, Oregon 61 $ 17,525,000 $ 287,295 $ 98,000
Bexar, Texas 60 $ 14,580,000 $ 243,000 $ 107,000
Yavapai, Arizona 59 $ 19,555,000 $ 331,440 $ 134,000
Collin, Texas 59 $ 24,355,000 $ 412,796 $ 175,000
San Joaquin, California 58 $ 17,460,000 $ 301,034 $ 145,000
Maricopa, Arizona 56 $ 25,780,000 $ 460,357 $ 160,000
San Bernardino, California 52 $ 15,700,000 $ 301,923 $ 229,000
Washington, Oregon 52 $ 20,330,000 $ 390,961 $ 153,000
Boulder, Colorado 49 $ 27,755,000 $ 566,428 $ 268,000
Multnomah, Oregon 48 $ 21,870,000 $ 455,625 $ 165,000
Benton, Arkansas 45 $ 11,125,000 $ 247,222 $ 146,000
Weld, Colorado 45 $ 14,625,000 $ 325,000 $ 121,000
Salt Lake, Utah 45 $ 17,545,000 $ 389,888 $ 136,000
Polk, Oregon 42 $ 14,580,000 $ 347,142 $ 113,000
Alameda, California 40 $ 20,940,000 $ 523,500 $ 213,000
Bonneville, Idaho 38 $ 11,810,000 $ 310,789 $ 105,000
Brazoria, Texas 38 $ 6,560,000 $ 172,631 $ 98,000
Linn, Oregon 36 $ 12,640,000 $ 351,111 $ 93,000
Santa Clara, California 33 $ 13,975,000 $ 423,484 $ 200,000
Contra Costa, California 32 $ 12,710,000 $ 397,187 $ 171,000
Spokane, Washington 32 $ 6,950,000 $ 217,187 $ 106,000
Fort Bend, Texas 31 $ 10,775,000 $ 347,580 $ 158,000
Jackson, Oregon 30 $ 10,340,000 $ 344,666 $ 117,000
Clark, Nevada 28 $ 9,790,000 $ 349,642 $ 157,000
Deaf Smith, Texas 28 $ 5,820,000 $ 207,857 $ 75,000
Grayson, Texas 26 $ 7,360,000 $ 283,076 $ 124,000
Nevada, California 25 $ 15,815,000 $ 632,600 $ 328,000
Cameron, Texas 25 $ 4,975,000 $ 199,000 $ 96,000
Washington, Utah 25 $ 9,745,000 $ 389,800 $ 301,000
Washington, Arkansas 24 $ 5,520,000 $ 230,000 $ 174,000
Madison, Alabama 23 $ 5,255,000 $ 228,478 $ 159,000
Santa Barbara, California 23 $ 23,815,000 $ 1,035,434 $ 306,000
Delta, Colorado 23 $ 5,605,000 $ 243,695 $ 102,000
Davis, Utah 23 $ 10,745,000 $ 467,173 $ 189,000
Larimer, Colorado 22 $ 7,950,000 $ 361,363 $ 154,000
Kaufman, Texas 22 $ 6,110,000 $ 277,727 $ 117,000
Clackamas, Oregon 20 $ 10,320,000 $ 516,000 $ 187,000
Merced, California 19 $ 6,345,000 $ 333,947 $ 126,000
Solano, California 19 $ 8,475,000 $ 446,052 $ 152,000
Johnson, Kansas 18 $ 4,810,000 $ 267,222 $ 102,000
Imperial, California 17 $ 3,265,000 $ 192,058 $ 136,000
San Mateo, California 17 $ 9,745,000 $ 573,235 $ 281,000
Benton, Oregon 16 $ 5,080,000 $ 317,500 $ 2,216,000
Ventura, California 15 $ 8,585,000 $ 572,333 $ 264,000
Payette, Idaho 15 $ 3,145,000 $ 209,666 $ 98,000
Deschutes, Oregon 15 $ 7,275,000 $ 485,000 $ 219,000
Yamhill, Oregon 15 $ 4,235,000 $ 282,333 $ 135,000
Clark, Washington 15 $ 6,605,000 $ 440,333 $ 158,000
San Francisco, California 14 $ 13,200,000 $ 942,857 $ 327,000
Pueblo, Colorado 14 $ 2,580,000 $ 184,285 $ 77,000
Cuyahoga, Ohio 14 $ 1,630,000 $ 116,428 $ 112,000
Hamilton, Ohio 14 $ 2,980,000 $ 212,857 $ 97,000
Johnson, Texas 14 $ 4,630,000 $ 330,714 $ 121,000
Montgomery, Texas 14 $ 5,490,000 $ 392,142 $ 208,000
Teller, Colorado 13 $ 6,195,000 $ 476,538 $ 220,000
Galveston, Texas 13 $ 2,395,000 $ 184,230 $ 99,000
Parker, Texas 13 $ 4,895,000 $ 376,538 $ 124,000
Fresno, California 12 $ 3,070,000 $ 255,833 $ 93,000
Broomfield, Colorado 12 $ 7,010,000 $ 584,166 $ 170,000
Mesa, Colorado 12 $ 3,050,000 $ 254,166 $ 91,000
Twin Falls, Idaho 12 $ 3,500,000 $ 291,666 $ 94,000
Maui, Hawaii 11 $ 6,845,000 $ 622,272 $ 135,000
Kenton, Kentucky 11 $ 2,695,000 $ 245,000 $ 99,000
Ellis, Texas 11 $ 3,615,000 $ 328,636 $ 112,000
Rockwall, Texas 11 $ 4,385,000 $ 398,636 $ 151,000
El Dorado, California 10 $ 4,760,000 $ 476,000 $ 215,000
Grand, Colorado 10 $ 5,060,000 $ 506,000 $ 324,000
Clay, Missouri 10 $ 2,880,000 $ 288,000 $ 152,000
Lincoln, Oregon 10 $ 4,200,000 $ 420,000 $ 173,000
Randall, Texas 10 $ 2,500,000 $ 250,000 $ 108,000
Tooele, Utah 10 $ 3,280,000 $ 328,000 $ 150,000
Wahkiakum, Washington 10 $ 1,610,000 $ 161,000 $ 90,000
Tuolumne, California 9 $ 2,185,000 $ 242,777 $ 150,000
Kit Carson, Colorado 9 $ 1,305,000 $ 145,000 $ 79,000
Bingham, Idaho 9 $ 1,845,000 $ 205,000 $ 78,000
Madison, Idaho 9 $ 2,645,000 $ 293,888 $ 101,000
Mason, Kentucky 9 $ 1,065,000 $ 118,333 $ 47,000
Cass, Missouri 9 $ 2,285,000 $ 253,888 $ 95,000
Utah, Utah 9 $ 3,615,000 $ 401,666 $ 183,000
Elbert, Colorado 8 $ 3,000,000 $ 375,000 $ 118,000
Gem, Idaho 8 $ 2,520,000 $ 315,000 $ 103,000
Washoe, Nevada 8 $ 2,720,000 $ 340,000 $ 167,000
Columbia, Oregon 8 $ 1,560,000 $ 195,000 $ 79,000
Lane, Oregon 8 $ 3,220,000 $ 402,500 $ 87,000
Potter, Texas 8 $ 1,250,000 $ 156,250 $ 112,000
Pierce, Washington 8 $ 3,260,000 $ 407,500 $ 113,000
Pima, Arizona 7 $ 1,425,000 $ 203,571 $ 62,000
Butte, California 7 $ 1,815,000 $ 259,285 $ 79,000
Sutter, California 7 $ 1,515,000 $ 216,428 $ 86,000
Morgan, Colorado 7 $ 905,000 $ 129,285 $ 94,000
Jefferson, Idaho 7 $ 2,385,000 $ 340,714 $ 113,000
Valley, Idaho 7 $ 3,975,000 $ 567,857 $ 265,000
Crowley, Colorado 6 $ 560,000 $ 93,333 $ 64,000
Fremont, Colorado 6 $ 940,000 $ 156,666 $ 62,000
Logan, Colorado 6 $ 740,000 $ 123,333 $ 98,000
Prowers, Colorado 6 $ 550,000 $ 91,666 $ 44,000
Collier, Florida 6 $ 4,870,000 $ 811,666 $ 287,000
Duval, Florida 6 $ 1,340,000 $ 223,333 $ 89,000
Kootenai, Idaho 6 $ 2,360,000 $ 393,333 $ 199,000
Latah, Idaho 6 $ 2,220,000 $ 370,000 $ 131,000
Boone, Kentucky 6 $ 690,000 $ 115,000 $ 91,000
Lewis, Kentucky 6 $ 900,000 $ 150,000 $ 64,000
Platte, Missouri 6 $ 1,940,000 $ 323,333 $ 92,000
Butler, Ohio 6 $ 1,270,000 $ 211,666 $ 69,000
Clermont, Ohio 6 $ 1,520,000 $ 253,333 $ 172,000
Canadian, Oklahoma 6 $ 1,350,000 $ 225,000 $ 74,000
Douglas, Oregon 6 $ 1,840,000 $ 306,666 $ 91,000
Fannin, Texas 6 $ 1,660,000 $ 276,666 $ 127,000
Liberty, Texas 6 $ 730,000 $ 121,666 $ 528,000
Travis, Texas 6 $ 2,170,000 $ 361,666 $ 145,000
Baldwin, Alabama 5 $ 3,345,000 $ 669,000 $ 727,000
Pinal, Arizona 5 $ 1,275,000 $ 255,000 $ 110,000
Santa Cruz, Arizona 5 $ 285,000 $ 57,000 $ 81,000
Yuma, Arizona 5 $ 1,665,000 $ 333,000 $ 129,000
Marin, California 5 $ 4,265,000 $ 853,000 $ 219,000
Sonoma, California 5 $ 3,865,000 $ 773,000 $ 312,000
Yuba, California 5 $ 1,185,000 $ 237,000 $ 84,000
Summit, Colorado 5 $ 2,225,000 $ 445,000 $ 193,000
Leon, Florida 5 $ 575,000 $ 115,000 $ 137,000
Washington, Idaho 5 $ 905,000 $ 181,000 $ 118,000
Cleveland, Oklahoma 5 $ 475,000 $ 95,000 $ 92,000
Oklahoma, Oklahoma 5 $ 1,255,000 $ 251,000 $ 416,000
Coos, Oregon 5 $ 1,445,000 $ 289,000 $ 74,000
Klamath, Oregon 5 $ 1,235,000 $ 247,000 $ 78,000
Cooke, Texas 5 $ 1,635,000 $ 327,000 $ 122,000
Hood, Texas 5 $ 1,465,000 $ 293,000 $ 115,000
Matagorda, Texas 5 $ 515,000 $ 103,000 $ 79,000
Benton, Washington 5 $ 1,435,000 $ 287,000 $ 116,000
King, Washington 5 $ 1,945,000 $ 389,000 $ 187,000
Pacific, Washington 5 $ 1,105,000 $ 221,000 $ 125,000
Whitman, Washington 5 $ 1,135,000 $ 227,000 $ 79,000
Limestone, Alabama 4 $ 1,410,000 $ 352,500 $ 147,000
Amador, California 4 $ 1,320,000 $ 330,000 $ 102,000
San Luis Obispo, California 4 $ 1,560,000 $ 390,000 $ 126,000
Clear Creek, Colorado 4 $ 2,150,000 $ 537,500 $ 209,000
Otero, Colorado 4 $ 610,000 $ 152,500 $ 63,000
Park, Colorado 4 $ 1,760,000 $ 440,000 $ 181,000
Lee, Florida 4 $ 1,890,000 $ 472,500 $ 573,000
Sarasota, Florida 4 $ 1,760,000 $ 440,000 $ 126,000
Boise, Idaho 4 $ 1,490,000 $ 372,500 $ 125,000
Elmore, Idaho 4 $ 700,000 $ 175,000 $ 62,000
Gooding, Idaho 4 $ 380,000 $ 95,000 $ 92,000
Clinton, Missouri 4 $ 480,000 $ 120,000 $ 55,000
Colfax, New Mexico 4 $ 840,000 $ 210,000 $ 82,000
Sandoval, New Mexico 4 $ 1,830,000 $ 457,500 $ 196,000
Jefferson, Oregon 4 $ 700,000 $ 175,000 $ 201,000
Tillamook, Oregon 4 $ 1,690,000 $ 422,500 $ 259,000
Hamilton, Tennessee 4 $ 1,710,000 $ 427,500 $ 117,000
Bell, Texas 4 $ 900,000 $ 225,000 $ 101,000
Gray, Texas 4 $ 580,000 $ 145,000 $ 98,000
Gregg, Texas 4 $ 680,000 $ 170,000 $ 86,000
Guadalupe, Texas 4 $ 1,130,000 $ 282,500 $ 84,000
Hunt, Texas 4 $ 1,010,000 $ 252,500 $ 87,000
McLennan, Texas 4 $ 1,200,000 $ 300,000 $ 157,000
Waller, Texas 4 $ 1,420,000 $ 355,000 $ 171,000
Weber, Utah 4 $ 1,500,000 $ 375,000 $ 130,000
Snohomish, Washington 4 $ 3,110,000 $ 777,500 $ 278,000
Jefferson, Alabama 3 $ 745,000 $ 248,333 $ 166,000
Morgan, Alabama 3 $ 825,000 $ 275,000 $ 60,000
Kern, California 3 $ 735,000 $ 245,000 $ 74,000
Madera, California 3 $ 735,000 $ 245,000 $ 106,000
Plumas, California 3 $ 1,515,000 $ 505,000 $ 487,000
Santa Cruz, California 3 $ 1,225,000 $ 408,333 $ 178,000
Shasta, California 3 $ 1,165,000 $ 388,333 $ 676,000
Lincoln, Colorado 3 $ 495,000 $ 165,000 $ 88,000
Montezuma, Colorado 3 $ 845,000 $ 281,666 $ 168,000
Rio Grande, Colorado 3 $ 675,000 $ 225,000 $ 69,000
Brevard, Florida 3 $ 1,495,000 $ 498,333 $ 253,000
Miami-Dade, Florida 3 $ 835,000 $ 278,333 $ 139,000
Bryan, Georgia 3 $ 125,000 $ 41,666 $ 142,000
Fulton, Georgia 3 $ 1,335,000 $ 445,000 $ 269,000
Jackson, Georgia 3 $ 515,000 $ 171,666 $ 232,000
Paulding, Georgia 3 $ 195,000 $ 65,000 $ 55,000
Hawaii, Hawaii 3 $ 805,000 $ 268,333 $ 222,000
Honolulu, Hawaii 3 $ 2,095,000 $ 698,333 $ 286,000
Lemhi, Idaho 3 $ 815,000 $ 271,666 $ 64,000
Sedgwick, Kansas 3 $ 305,000 $ 101,666 $ 426,000
Campbell, Kentucky 3 $ 495,000 $ 165,000 $ 106,000
Fleming, Kentucky 3 $ 345,000 $ 115,000 $ 53,000
Pendleton, Kentucky 3 $ 325,000 $ 108,333 $ 59,000
Oakland, Michigan 3 $ 905,000 $ 301,666 $ 101,000
Buchanan, Missouri 3 $ 465,000 $ 155,000 $ 55,000
Lafayette, Missouri 3 $ 485,000 $ 161,666 $ 77,000
St. Charles, Missouri 3 $ 405,000 $ 135,000 $ 114,000
Mecklenburg, North Carolina 3 $ 105,000 $ 35,000 $ 25,000
New Hanover, North Carolina 3 $ 1,665,000 $ 555,000 $ 302,000
Grady, Oklahoma 3 $ 885,000 $ 295,000 $ 100,000
McCurtain, Oklahoma 3 $ 1,765,000 $ 588,333 $ 345,000
Anderson, Texas 3 $ 315,000 $ 105,000 $ 61,000
Atascosa, Texas 3 $ 1,595,000 $ 531,666 $ 173,000
Frio, Texas 3 $ 555,000 $ 185,000 $ 100,000
Henderson, Texas 3 $ 1,045,000 $ 348,333 $ 140,000
Jefferson, Texas 3 $ 205,000 $ 68,333 $ 39,000
Medina, Texas 3 $ 485,000 $ 161,666 $ 96,000
Taylor, Texas 3 $ 475,000 $ 158,333 $ 39,000
Victoria, Texas 3 $ 455,000 $ 151,666 $ 69,000
Sanpete, Utah 3 $ 405,000 $ 135,000 $ 91,000
Lewis, Washington 3 $ 865,000 $ 288,333 $ 90,000
Cullman, Alabama 2 $ 380,000 $ 190,000 $ 142,000
Shelby, Alabama 2 $ 430,000 $ 215,000 $ 161,000
Coconino, Arizona 2 $ 830,000 $ 415,000 $ 169,000
Mohave, Arizona 2 $ 470,000 $ 235,000 $ 56,000
Calaveras, California 2 $ 730,000 $ 365,000 $ 152,000
Mariposa, California 2 $ 700,000 $ 350,000 $ 93,000
Tulare, California 2 $ 530,000 $ 265,000 $ 84,000
Yolo, California 2 $ 1,230,000 $ 615,000 $ 223,000
San Miguel, Colorado 2 $ 2,130,000 $ 1,065,000 $ 538,000
Fairfield, Connecticut 2 $ 650,000 $ 325,000 $ 169,000
Broward, Florida 2 $ 100,000 $ 50,000 $ 62,000
Pasco, Florida 2 $ 250,000 $ 125,000 $ 56,000
Pinellas, Florida 2 $ 510,000 $ 255,000 $ 37,000
Columbia, Georgia 2 $ 740,000 $ 370,000 $ 130,000
Jones, Georgia 2 $ 70,000 $ 35,000 $ 54,000
Richmond, Georgia 2 $ 390,000 $ 195,000 $ 93,000
Kauai, Hawaii 2 $ 3,910,000 $ 1,955,000 $ 1,936,000
Bannock, Idaho 2 $ 510,000 $ 255,000 $ 97,000
Cassia, Idaho 2 $ 190,000 $ 95,000 $ 73,000
Nez Perce, Idaho 2 $ 470,000 $ 235,000 $ 161,000
Teton, Idaho 2 $ 620,000 $ 310,000 $ 203,000
Cook, Illinois 2 $ 380,000 $ 190,000 $ 153,000
McLean, Illinois 2 $ 420,000 $ 210,000 $ 136,000
Polk, Iowa 2 $ 290,000 $ 145,000 $ 22,000
Franklin, Kansas 2 $ 720,000 $ 360,000 $ 99,000
Leavenworth, Kansas 2 $ 810,000 $ 405,000 $ 160,000
Wyandotte, Kansas 2 $ 450,000 $ 225,000 $ 116,000
Jefferson, Kentucky 2 $ 410,000 $ 205,000 $ 93,000
Mercer, Kentucky 2 $ 460,000 $ 230,000 $ 80,000
Whitley, Kentucky 2 $ 310,000 $ 155,000 $ 77,000
Jefferson, Louisiana 2 $ 250,000 $ 125,000 $ 79,000
St. James, Louisiana 2 $ 90,000 $ 45,000 $ 104,000
Calhoun, Michigan 2 $ 160,000 $ 80,000 $ 74,000
Wayne, Michigan 2 $ 450,000 $ 225,000 $ 118,000
Ray, Missouri 2 $ 180,000 $ 90,000 $ 63,000
St. Louis City, Missouri 2 $ 550,000 $ 275,000 $ 89,000
Cascade, Montana 2 $ 510,000 $ 255,000 $ 489,000
Lyon, Nevada 2 $ 760,000 $ 380,000 $ 113,000
Camden, New Jersey 2 $ 90,000 $ 45,000 $ 128,000
Grant, New Mexico 2 $ 240,000 $ 120,000 $ 58,000
Santa Fe, New Mexico 2 $ 450,000 $ 225,000 $ 88,000
Cumberland, North Carolina 2 $ 640,000 $ 320,000 $ 97,000
Forsyth, North Carolina 2 $ 560,000 $ 280,000 $ 229,000
Wake, North Carolina 2 $ 350,000 $ 175,000 $ 42,000
Crook, Oregon 2 $ 710,000 $ 355,000 $ 188,000
Greenville, South Carolina 2 $ 880,000 $ 440,000 $ 0
Maury, Tennessee 2 $ 810,000 $ 405,000 $ 98,000
Roane, Tennessee 2 $ 1,030,000 $ 515,000 $ 181,000
Shelby, Tennessee 2 $ 600,000 $ 300,000 $ 169,000
Williamson, Tennessee 2 $ 2,160,000 $ 1,080,000 $ 308,000
Freestone, Texas 2 $ 430,000 $ 215,000 $ 86,000
Nueces, Texas 2 $ 340,000 $ 170,000 $ 73,000
Smith, Texas 2 $ 310,000 $ 155,000 $ 51,000
Somervell, Texas 2 $ 630,000 $ 315,000 $ 182,000
Upshur, Texas 2 $ 910,000 $ 455,000 $ 152,000
Uvalde, Texas 2 $ 550,000 $ 275,000 $ 260,000
Van Zandt, Texas 2 $ 150,000 $ 75,000 $ 71,000
Wharton, Texas 2 $ 610,000 $ 305,000 $ 187,000
Wise, Texas 2 $ 1,370,000 $ 685,000 $ 197,000
Wood, Texas 2 $ 2,450,000 $ 1,225,000 $ 774,000
Cache, Utah 2 $ 650,000 $ 325,000 $ 148,000
Iron, Utah 2 $ 470,000 $ 235,000 $ 169,000
Asotin, Washington 2 $ 580,000 $ 290,000 $ 89,000
Kittitas, Washington 2 $ 880,000 $ 440,000 $ 151,000
Lincoln, Washington 2 $ 250,000 $ 125,000 $ 61,000
Walla Walla, Washington 2 $ 710,000 $ 355,000 $ 168,000
Dane, Wisconsin 2 $ 750,000 $ 375,000 $ 204,000
Blount, Alabama 1 $ 55,000 $ 55,000 $ 113,000
Lee, Alabama 1 $ 165,000 $ 165,000 $ 164,000
Marshall, Alabama 1 $ 185,000 $ 185,000 $ 109,000
Mobile, Alabama 1 $ 275,000 $ 275,000 $ 63,000
Talladega, Alabama 1 $ 615,000 $ 615,000 $ 127,000
Apache, Arizona 1 $ 115,000 $ 115,000 $ 165,000
Graham, Arizona 1 $ 195,000 $ 195,000 $ 44,000
Drew, Arkansas 1 $ 195,000 $ 195,000 $ 61,000
Garland, Arkansas 1 $ 335,000 $ 335,000 $ 194,000
Izard, Arkansas 1 $ 165,000 $ 165,000 $ 114,000
Jefferson, Arkansas 1 $ 55,000 $ 55,000 $ 101,000
Madison, Arkansas 1 $ 225,000 $ 225,000 $ 66,000
Pulaski, Arkansas 1 $ 85,000 $ 85,000 $ 442,000
Sebastian, Arkansas 1 $ 115,000 $ 115,000 $ 51,000
White, Arkansas 1 $ 35,000 $ 35,000 $ 73,000
Alpine, California 1 $ 205,000 $ 205,000 $ 470,000
Humboldt, California 1 $ 305,000 $ 305,000 $ 259,000
Kings, California 1 $ 155,000 $ 155,000 $ 200,000
Mendocino, California 1 $ 1,205,000 $ 1,205,000 $ 401,000
San Benito, California 1 $ 95,000 $ 95,000 $ 4,000
Sierra, California 1 $ 775,000 $ 775,000 $ 200,000
Alamosa, Colorado 1 $ 325,000 $ 325,000 $ 83,000
Eagle, Colorado 1 $ 335,000 $ 335,000 $ 148,000
Huerfano, Colorado 1 $ 215,000 $ 215,000 $ 98,000
Lake, Colorado 1 $ 535,000 $ 535,000 $ 315,000
Pitkin, Colorado 1 $ 535,000 $ 535,000 $ 474,000
Routt, Colorado 1 $ 285,000 $ 285,000 $ 301,000
Saguache, Colorado 1 $ 65,000 $ 65,000 $ 484,000
Hartford, Connecticut 1 $ 55,000 $ 55,000 $ 108,000
New Haven, Connecticut 1 $ 45,000 $ 45,000 $ 65,000
New London, Connecticut 1 $ 115,000 $ 115,000 $ 123,000
Charlotte, Florida 1 $ 195,000 $ 195,000 $ 110,000
Citrus, Florida 1 $ 205,000 $ 205,000 $ 259,000
Clay, Florida 1 $ 485,000 $ 485,000 $ 150,000
Flagler, Florida 1 $ 425,000 $ 425,000 $ 168,000
Hillsborough, Florida 1 $ 315,000 $ 315,000 $ 102,000
Indian River, Florida 1 $ 705,000 $ 705,000 $ 400,000
Lake, Florida 1 $ 335,000 $ 335,000 $ 114,000
Orange, Florida 1 $ 555,000 $ 555,000 $ 170,000
Palm Beach, Florida 1 $ 145,000 $ 145,000 $ 325,000
Polk, Florida 1 $ 605,000 $ 605,000 $ 197,000
Putnam, Florida 1 $ 115,000 $ 115,000 $ 68,000
St. Johns, Florida 1 $ 395,000 $ 395,000 $ 77,000
Volusia, Florida 1 $ 235,000 $ 235,000 $ 306,000
Walton, Florida 1 $ 445,000 $ 445,000 $ 1,396,000
Cherokee, Georgia 1 $ 605,000 $ 605,000 $ 220,000
Cobb, Georgia 1 $ 605,000 $ 605,000 $ 258,000
DeKalb, Georgia 1 $ 535,000 $ 535,000 $ 261,000
Forsyth, Georgia 1 $ 325,000 $ 325,000 $ 150,000
Gwinnett, Georgia 1 $ 125,000 $ 125,000 $ 110,000
Liberty, Georgia 1 $ 465,000 $ 465,000 $ 219,000
Walton, Georgia 1 $ 275,000 $ 275,000 $ 112,000
Blaine, Idaho 1 $ 355,000 $ 355,000 $ 187,000
Bonner, Idaho 1 $ 485,000 $ 485,000 $ 180,000
Clark, Idaho 1 $ 275,000 $ 275,000 $ 50,000
Fremont, Idaho 1 $ 105,000 $ 105,000 $ 36,000
Owyhee, Idaho 1 $ 565,000 $ 565,000 $ 814,000
DeKalb, Illinois 1 $ 55,000 $ 55,000 $ 56,000
DuPage, Illinois 1 $ 655,000 $ 655,000 $ 287,000
Boone, Indiana 1 $ 195,000 $ 195,000 $ 70,000
Fulton, Indiana 1 $ 75,000 $ 75,000 $ 140,000
Hamilton, Indiana 1 $ 635,000 $ 635,000 $ 0
Ripley, Indiana 1 $ 385,000 $ 385,000 $ 232,000
St. Joseph, Indiana 1 $ 215,000 $ 215,000 $ 536,000
Scott, Iowa 1 $ 85,000 $ 85,000 $ 185,000
Atchison, Kansas 1 $ 115,000 $ 115,000 $ 96,000
Barton, Kansas 1 $ 185,000 $ 185,000 $ 52,000
Ellis, Kansas 1 $ 225,000 $ 225,000 $ 73,000
Miami, Kansas 1 $ 225,000 $ 225,000 $ 84,000
Bracken, Kentucky 1 $ 75,000 $ 75,000 $ 75,000
Jackson, Kentucky 1 $ 515,000 $ 515,000 $ 116,000
Jessamine, Kentucky 1 $ 185,000 $ 185,000 $ 88,000
Madison, Kentucky 1 $ 205,000 $ 205,000 $ 88,000
Owen, Kentucky 1 $ 135,000 $ 135,000 $ 94,000
Scott, Kentucky 1 $ 95,000 $ 95,000 $ 132,000
Calcasieu, Louisiana 1 $ 205,000 $ 205,000 $ 79,000
Androscoggin, Maine 1 $ 155,000 $ 155,000 $ 0
Franklin, Maine 1 $ 365,000 $ 365,000 $ 125,000
Piscataquis, Maine 1 $ 85,000 $ 85,000 $ 65,000
Frederick, Maryland 1 $ 725,000 $ 725,000 $ 222,000
Hampden, Massachusetts 1 $ 395,000 $ 395,000 $ 122,000
Norfolk, Massachusetts 1 $ 1,025,000 $ 1,025,000 $ 625,000
Plymouth, Massachusetts 1 $ 475,000 $ 475,000 $ 155,000
Berrien, Michigan 1 $ 45,000 $ 45,000 $ 166,000
Cheboygan, Michigan 1 $ 105,000 $ 105,000 $ 501,000
Houghton, Michigan 1 $ 85,000 $ 85,000 $ 265,000
Ingham, Michigan 1 $ 115,000 $ 115,000 $ 115,000
Monroe, Michigan 1 $ 75,000 $ 75,000 $ 84,000
Otter Tail, Minnesota 1 $ 255,000 $ 255,000 $ 129,000
Ramsey, Minnesota 1 $ 515,000 $ 515,000 $ 155,000
Hinds, Mississippi 1 $ 35,000 $ 35,000 $ 24,000
Lamar, Mississippi 1 $ 205,000 $ 205,000 $ 74,000
Rankin, Mississippi 1 $ 315,000 $ 315,000 $ 110,000
Andrew, Missouri 1 $ 185,000 $ 185,000 $ 60,000
Benton, Missouri 1 $ 95,000 $ 95,000 $ 44,000
Cedar, Missouri 1 $ 105,000 $ 105,000 $ 186,000
Christian, Missouri 1 $ 175,000 $ 175,000 $ 39,000
DeKalb, Missouri 1 $ 85,000 $ 85,000 $ 31,000
Johnson, Missouri 1 $ 225,000 $ 225,000 $ 58,000
Macon, Missouri 1 $ 135,000 $ 135,000 $ 114,000
Newton, Missouri 1 $ 185,000 $ 185,000 $ 94,000
Stone, Missouri 1 $ 665,000 $ 665,000 $ 229,000
Vernon, Missouri 1 $ 145,000 $ 145,000 $ 65,000
Flathead, Montana 1 $ 85,000 $ 85,000 $ 141,000
Ravalli, Montana 1 $ 255,000 $ 255,000 $ 231,000
Yellowstone, Montana 1 $ 305,000 $ 305,000 $ 148,000
Keith, Nebraska 1 $ 265,000 $ 265,000 $ 73,000
Douglas, Nevada 1 $ 385,000 $ 385,000 $ 123,000
Storey, Nevada 1 $ 135,000 $ 135,000 $ 39,000
Belknap, New Hampshire 1 $ 265,000 $ 265,000 $ 0
Atlantic, New Jersey 1 $ 175,000 $ 175,000 $ 49,000
Gloucester, New Jersey 1 $ 105,000 $ 105,000 $ 152,000
Middlesex, New Jersey 1 $ 125,000 $ 125,000 $ 70,000
Union, New Jersey 1 $ 55,000 $ 55,000 $ 188,000
Bernalillo, New Mexico 1 $ 295,000 $ 295,000 $ 209,000
Dona Ana, New Mexico 1 $ 115,000 $ 115,000 $ 204,000
Los Alamos, New Mexico 1 $ 605,000 $ 605,000 $ 212,000
Cabarrus, North Carolina 1 $ 425,000 $ 425,000 $ 134,000
Craven, North Carolina 1 $ 165,000 $ 165,000 $ 67,000
Dare, North Carolina 1 $ 515,000 $ 515,000 $ 526,000
Davidson, North Carolina 1 $ 205,000 $ 205,000 $ 55,000
Durham, North Carolina 1 $ 55,000 $ 55,000 $ 235,000
Granville, North Carolina 1 $ 115,000 $ 115,000 $ 111,000
Moore, North Carolina 1 $ 305,000 $ 305,000 $ 0
Randolph, North Carolina 1 $ 25,000 $ 25,000 $ 132,000
Union, North Carolina 1 $ 105,000 $ 105,000 $ 182,000
Fairfield, Ohio 1 $ 375,000 $ 375,000 $ 162,000
Highland, Ohio 1 $ 135,000 $ 135,000 $ 47,000
Lorain, Ohio 1 $ 115,000 $ 115,000 $ 88,000
Miami, Ohio 1 $ 105,000 $ 105,000 $ 69,000
Richland, Ohio 1 $ 55,000 $ 55,000 $ 122,000
Williams, Ohio 1 $ 55,000 $ 55,000 $ 5,000
Adair, Oklahoma 1 $ 175,000 $ 175,000 $ 99,000
Mayes, Oklahoma 1 $ 115,000 $ 115,000 $ 125,000
McClain, Oklahoma 1 $ 105,000 $ 105,000 $ 44,000
McIntosh, Oklahoma 1 $ 185,000 $ 185,000 $ 101,000
Payne, Oklahoma 1 $ 185,000 $ 185,000 $ 153,000
Pottawatomie, Oklahoma 1 $ 115,000 $ 115,000 $ 53,000
Clatsop, Oregon 1 $ 235,000 $ 235,000 $ 192,000
Allegheny, Pennsylvania 1 $ 255,000 $ 255,000 $ 101,000
Lancaster, Pennsylvania 1 $ 425,000 $ 425,000 $ 500,000
Beaufort, South Carolina 1 $ 265,000 $ 265,000 $ 126,000
Horry, South Carolina 1 $ 145,000 $ 145,000 $ 96,000
Lancaster, South Carolina 1 $ 265,000 $ 265,000 $ 60,000
Clay, South Dakota 1 $ 305,000 $ 305,000 $ 92,000
Meade, South Dakota 1 $ 345,000 $ 345,000 $ 126,000
Carter, Tennessee 1 $ 455,000 $ 455,000 $ 85,000
Cheatham, Tennessee 1 $ 235,000 $ 235,000 $ 120,000
Cumberland, Tennessee 1 $ 405,000 $ 405,000 $ 88,000
Knox, Tennessee 1 $ 345,000 $ 345,000 $ 161,000
Lincoln, Tennessee 1 $ 15,000 $ 15,000 $ 31,000
Marshall, Tennessee 1 $ 445,000 $ 445,000 $ 152,000
McMinn, Tennessee 1 $ 215,000 $ 215,000 $ 92,000
Montgomery, Tennessee 1 $ 195,000 $ 195,000 $ 65,000
Putnam, Tennessee 1 $ 305,000 $ 305,000 $ 168,000
Wilson, Tennessee 1 $ 145,000 $ 145,000 $ 115,000
Austin, Texas 1 $ 125,000 $ 125,000 $ 40,000
Bosque, Texas 1 $ 135,000 $ 135,000 $ 44,000
Carson, Texas 1 $ 105,000 $ 105,000 $ 44,000
Castro, Texas 1 $ 165,000 $ 165,000 $ 64,000
Chambers, Texas 1 $ 315,000 $ 315,000 $ 137,000
Comal, Texas 1 $ 885,000 $ 885,000 $ 258,000
Comanche, Texas 1 $ 165,000 $ 165,000 $ 79,000
Ector, Texas 1 $ 165,000 $ 165,000 $ 110,000
Erath, Texas 1 $ 185,000 $ 185,000 $ 60,000
Gillespie, Texas 1 $ 525,000 $ 525,000 $ 189,000
Hall, Texas 1 $ 105,000 $ 105,000 $ 97,000
Hamilton, Texas 1 $ 165,000 $ 165,000 $ 73,000
Hardin, Texas 1 $ 375,000 $ 375,000 $ 153,000
Hopkins, Texas 1 $ 595,000 $ 595,000 $ 225,000
Jackson, Texas 1 $ 185,000 $ 185,000 $ 55,000
Kerr, Texas 1 $ 205,000 $ 205,000 $ 58,000
Lamar, Texas 1 $ 115,000 $ 115,000 $ 67,000
Lubbock, Texas 1 $ 155,000 $ 155,000 $ 83,000
Midland, Texas 1 $ 245,000 $ 245,000 $ 198,000
Moore, Texas 1 $ 175,000 $ 175,000 $ 119,000
Navarro, Texas 1 $ 565,000 $ 565,000 $ 239,000
Polk, Texas 1 $ 295,000 $ 295,000 $ 79,000
Presidio, Texas 1 $ 305,000 $ 305,000 $ 0
Roberts, Texas 1 $ 85,000 $ 85,000 $ 80,000
Starr, Texas 1 $ 255,000 $ 255,000 $ 112,000
Webb, Texas 1 $ 215,000 $ 215,000 $ 48,000
Willacy, Texas 1 $ 175,000 $ 175,000 $ 434,000
Williamson, Texas 1 $ 305,000 $ 305,000 $ 106,000
Box Elder, Utah 1 $ 355,000 $ 355,000 $ 149,000
Grand, Utah 1 $ 335,000 $ 335,000 $ 89,000
Chesapeake, Virginia 1 $ 585,000 $ 585,000 $ 111,000
Fairfax, Virginia 1 $ 2,305,000 $ 2,305,000 $ 2,500,000
Galax, Virginia 1 $ 225,000 $ 225,000 $ 57,000
Hanover, Virginia 1 $ 25,000 $ 25,000 $ 43,000
Orange, Virginia 1 $ 25,000 $ 25,000 $ 0
Portsmouth, Virginia 1 $ 75,000 $ 75,000 $ 114,000
Prince William, Virginia 1 $ 155,000 $ 155,000 $ 300,000
Staunton, Virginia 1 $ 55,000 $ 55,000 $ 297,000
Clallam, Washington 1 $ 305,000 $ 305,000 $ 84,000
Grant, Washington 1 $ 245,000 $ 245,000 $ 53,000
Jefferson, Washington 1 $ 725,000 $ 725,000 $ 241,000
San Juan, Washington 1 $ 865,000 $ 865,000 $ 259,000
Stevens, Washington 1 $ 465,000 $ 465,000 $ 124,000
Yakima, Washington 1 $ 45,000 $ 45,000 $ 160,000
Ohio, West Virginia 1 $ 75,000 $ 75,000 $ 1,000
Milwaukee, Wisconsin 1 $ 55,000 $ 55,000 $ 156,000
Ozaukee, Wisconsin 1 $ 55,000 $ 55,000 $ 112,000
Walworth, Wisconsin 1 $ 305,000 $ 305,000 $ 111,000
Natrona, Wyoming 1 $ 255,000 $ 255,000 $ 81,000
Sheridan, Wyoming 1 $ 515,000 $ 515,000 $ 210,000

Mortgage Loan Application Detail Totals for Synergy One Lending, Inc. in 2023

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 4,802 $1,909,490,000 $397,000 $7,155,000 $158,000 $6,098,000
Other Purpose 464 $47,600,000 $102,000 $405,000 $153,000 $750,000
Cash-out Refinancing 341 $131,835,000 $386,000 $1,695,000 $261,000 $5,624,000
Home Improvement 306 $35,830,000 $117,000 $875,000 $162,000 $2,227,000
Refinancing 189 $99,865,000 $528,000 $3,005,000 $263,000 $4,344,000
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 3,153 $1,200,195,000 $380,000 $7,155,000 $169,000 $6,098,000
Not Provided 1,198 $463,300,000 $386,000 $4,165,000 $199,000 $5,624,000
Hispanic 1,126 $329,880,000 $292,000 $2,925,000 $127,000 $4,344,000
Asian 257 $125,405,000 $487,000 $2,565,000 $203,000 $3,600,000
Black or African American 250 $76,960,000 $307,000 $2,305,000 $135,000 $2,500,000
American Indian or Alaskan Native 54 $13,690,000 $253,000 $835,000 $142,000 $422,000
Native Hawaiian or Other Pacific Islander 16 $4,720,000 $295,000 $605,000 $133,000 $250,000
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) 4,614 $1,673,510,000 $362,000 $7,155,000 $185,000 $6,098,000
FHA-insured (Federal Housing Administration) 1,131 $385,975,000 $341,000 $1,105,000 $105,000 $398,000
VA-guaranteed (Veterans Administration) 334 $160,820,000 $481,000 $1,305,000 $127,000 $525,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 23 $4,315,000 $187,000 $435,000 $73,000 $135,000

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 4,187 $1,550,105,000 $370,000 $3,195,000 $169,000 $5,624,000
Application Withdrawn By Applicant 1,351 $531,925,000 $393,000 $7,155,000 $171,000 $6,098,000
Application Denied By Financial Institution 462 $123,290,000 $266,000 $3,005,000 $133,000 $1,610,000
Application Approved But Not Accepted 71 $9,115,000 $128,000 $675,000 $180,000 $1,161,000
File Closed For Incompleteness 31 $10,185,000 $328,000 $695,000 $147,000 $740,000
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 5,640 $2,101,330,000 $372,000 $7,155,000 $170,000 $6,098,000
Debt-To-Income Ratio 166 $47,570,000 $286,000 $2,885,000 $91,000 $498,000
Credit Application Incomplete 106 $18,710,000 $176,000 $3,005,000 $170,000 $1,060,000
Other 59 $16,225,000 $275,000 $1,405,000 $151,000 $404,000
Credit History 46 $11,590,000 $251,000 $685,000 $102,000 $229,000
Collateral 29 $12,485,000 $430,000 $1,825,000 $193,000 $1,610,000
Unverifiable Information 22 $6,030,000 $274,000 $1,115,000 $221,000 $1,610,000
Insufficient Cash (Downpayment, Closing Cost) 21 $6,785,000 $323,000 $1,515,000 $130,000 $732,000
Employment History 13 $3,895,000 $299,000 $575,000 $100,000 $247,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Synergy One Lending, Inc.'s 2023 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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