Synergy One Lending, Inc. Mortgage Lending & HMDA Data, 2024

In 2024, Synergy One Lending, Inc. of San Diego, CA reported 8,712 mortgage applications totaling $2.9 billion, up 43% from 2023. The average application was for $336,581, and applicants reported an average income of $160,101. 68% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Cleveland, OH (852), Denver-Aurora-Lakewood, CO (714) and Boise City, ID (557) (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 8,712
Total Mortgage Loan Application Amount $2,932,300,000
Average Mortgage Loan Application Amount $336,581
Highest Mortgage Loan Application Amount $4,005,000
Average Applicant Income $160,101
Highest Applicant Income $7,833,000

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records Synergy One Lending, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2024

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Cuyahoga, Ohio 562 $ 101,150,000 $ 179,982 $ 101,000
Ada, Idaho 378 $ 138,690,000 $ 366,904 $ 173,000
San Diego, California 345 $ 200,005,000 $ 579,724 $ 259,000
Stanislaus, California 247 $ 65,665,000 $ 265,850 $ 147,000
Summit, Ohio 247 $ 41,755,000 $ 169,048 $ 87,000
Harris, Texas 219 $ 67,215,000 $ 306,917 $ 164,000
Adams, Colorado 178 $ 52,310,000 $ 293,876 $ 123,000
Denver, Colorado 173 $ 72,905,000 $ 421,416 $ 170,000
Marion, Oregon 171 $ 69,695,000 $ 407,573 $ 150,000
Canyon, Idaho 163 $ 46,285,000 $ 283,957 $ 126,000
Arapahoe, Colorado 152 $ 56,890,000 $ 374,276 $ 159,000
Los Angeles, California 140 $ 96,340,000 $ 688,142 $ 434,000
Maricopa, Arizona 116 $ 56,650,000 $ 488,362 $ 195,000
Yakima, Washington 112 $ 32,620,000 $ 291,250 $ 118,000
Cowlitz, Washington 109 $ 33,955,000 $ 311,513 $ 118,000
Jefferson, Colorado 104 $ 47,520,000 $ 456,923 $ 182,000
Tarrant, Texas 100 $ 33,470,000 $ 334,700 $ 146,000
Dallas, Texas 99 $ 34,425,000 $ 347,727 $ 164,000
Lake, Ohio 98 $ 19,540,000 $ 199,387 $ 93,000
Monterey, California 87 $ 65,275,000 $ 750,287 $ 301,000
Lorain, Ohio 85 $ 16,205,000 $ 190,647 $ 100,000
Bonneville, Idaho 84 $ 21,810,000 $ 259,642 $ 110,000
Collin, Texas 79 $ 35,785,000 $ 452,974 $ 174,000
Jackson, Missouri 78 $ 13,380,000 $ 171,538 $ 132,000
Douglas, Colorado 76 $ 40,500,000 $ 532,894 $ 231,000
Denton, Texas 71 $ 28,325,000 $ 398,943 $ 199,000
Yavapai, Arizona 69 $ 23,925,000 $ 346,739 $ 192,000
Riverside, California 69 $ 24,305,000 $ 352,246 $ 205,000
Clark, Nevada 67 $ 25,575,000 $ 381,716 $ 157,000
Polk, Oregon 65 $ 25,875,000 $ 398,076 $ 140,000
Spokane, Washington 65 $ 15,215,000 $ 234,076 $ 97,000
Baldwin, Alabama 61 $ 24,265,000 $ 397,786 $ 202,000
Santa Clara, California 60 $ 42,830,000 $ 713,833 $ 270,000
Montgomery, Texas 59 $ 24,185,000 $ 409,915 $ 151,000
Orange, California 58 $ 36,910,000 $ 636,379 $ 321,000
San Bernardino, California 58 $ 19,240,000 $ 331,724 $ 145,000
Boulder, Colorado 58 $ 35,910,000 $ 619,137 $ 255,000
Stark, Ohio 57 $ 11,655,000 $ 204,473 $ 92,000
Pierce, Washington 56 $ 23,100,000 $ 412,500 $ 127,000
Brazoria, Texas 55 $ 14,865,000 $ 270,272 $ 138,000
Butler, Ohio 54 $ 10,950,000 $ 202,777 $ 81,000
Medina, Ohio 54 $ 13,580,000 $ 251,481 $ 124,000
Hamilton, Ohio 53 $ 11,745,000 $ 221,603 $ 85,000
Weld, Colorado 52 $ 15,840,000 $ 304,615 $ 139,000
Fort Bend, Texas 51 $ 18,485,000 $ 362,450 $ 202,000
Linn, Oregon 50 $ 17,190,000 $ 343,800 $ 165,000
Alameda, California 48 $ 27,180,000 $ 566,250 $ 212,000
Portage, Ohio 43 $ 10,465,000 $ 243,372 $ 113,000
Salt Lake, Utah 42 $ 17,970,000 $ 427,857 $ 194,000
Cascade, Montana 40 $ 10,310,000 $ 257,750 $ 96,000
Caddo, Louisiana 38 $ 6,190,000 $ 162,894 $ 88,000
Placer, California 37 $ 20,675,000 $ 558,783 $ 320,000
San Joaquin, California 37 $ 11,505,000 $ 310,945 $ 133,000
Merced, California 35 $ 8,935,000 $ 255,285 $ 128,000
El Paso, Colorado 35 $ 9,025,000 $ 257,857 $ 127,000
Navarro, Texas 34 $ 10,200,000 $ 300,000 $ 131,000
Madison, Alabama 31 $ 10,085,000 $ 325,322 $ 124,000
Lewis and Clark, Montana 31 $ 11,275,000 $ 363,709 $ 160,000
Bexar, Texas 31 $ 7,625,000 $ 245,967 $ 123,000
Ellis, Texas 31 $ 12,375,000 $ 399,193 $ 159,000
Dane, Wisconsin 31 $ 9,585,000 $ 309,193 $ 134,000
Bossier, Louisiana 30 $ 6,990,000 $ 233,000 $ 105,000
Geauga, Ohio 30 $ 7,190,000 $ 239,666 $ 124,000
Milwaukee, Wisconsin 30 $ 6,130,000 $ 204,333 $ 108,000
McHenry, Illinois 29 $ 7,885,000 $ 271,896 $ 118,000
Clackamas, Oregon 29 $ 12,195,000 $ 420,517 $ 184,000
Contra Costa, California 28 $ 15,110,000 $ 539,642 $ 281,000
Cook, Illinois 28 $ 6,570,000 $ 234,642 $ 122,000
Multnomah, Oregon 28 $ 12,440,000 $ 444,285 $ 156,000
Jefferson, Idaho 27 $ 7,565,000 $ 280,185 $ 118,000
McLean, Illinois 27 $ 3,865,000 $ 143,148 $ 78,000
King, Washington 27 $ 11,235,000 $ 416,111 $ 134,000
Johnson, Kansas 26 $ 8,030,000 $ 308,846 $ 148,000
Kaufman, Texas 24 $ 7,580,000 $ 315,833 $ 109,000
Ashtabula, Ohio 23 $ 3,915,000 $ 170,217 $ 64,000
Lane, Oregon 23 $ 9,035,000 $ 392,826 $ 165,000
Umatilla, Oregon 23 $ 5,865,000 $ 255,000 $ 134,000
Galveston, Texas 23 $ 6,425,000 $ 279,347 $ 219,000
Davis, Utah 23 $ 9,705,000 $ 421,956 $ 168,000
Clark, Washington 22 $ 9,650,000 $ 438,636 $ 141,000
Washington, Oregon 21 $ 11,355,000 $ 540,714 $ 209,000
Howard, Texas 21 $ 2,775,000 $ 132,142 $ 98,000
Smith, Texas 21 $ 5,305,000 $ 252,619 $ 173,000
Montrose, Colorado 20 $ 5,990,000 $ 299,500 $ 935,000
Washoe, Nevada 20 $ 9,010,000 $ 450,500 $ 658,000
Sacramento, California 19 $ 5,525,000 $ 290,789 $ 140,000
Larimer, Colorado 19 $ 6,655,000 $ 350,263 $ 203,000
Mahoning, Ohio 19 $ 2,585,000 $ 136,052 $ 87,000
Wayne, Ohio 19 $ 3,115,000 $ 163,947 $ 66,000
St. Tammany, Louisiana 18 $ 3,970,000 $ 220,555 $ 87,000
Fresno, California 17 $ 3,755,000 $ 220,882 $ 103,000
Graham, Arizona 16 $ 4,250,000 $ 265,625 $ 105,000
Nevada, California 16 $ 11,490,000 $ 718,125 $ 417,000
Nez Perce, Idaho 16 $ 3,670,000 $ 229,375 $ 87,000
Flathead, Montana 16 $ 5,690,000 $ 355,625 $ 114,000
Clermont, Ohio 16 $ 5,510,000 $ 344,375 $ 142,000
Union, Oregon 16 $ 4,590,000 $ 286,875 $ 101,000
Cameron, Texas 16 $ 3,100,000 $ 193,750 $ 175,000
Freestone, Texas 16 $ 3,550,000 $ 221,875 $ 96,000
Kern, California 15 $ 4,595,000 $ 306,333 $ 128,000
Clay, Missouri 15 $ 3,505,000 $ 233,666 $ 117,000
Dona Ana, New Mexico 15 $ 2,815,000 $ 187,666 $ 105,000
Lewis, Washington 15 $ 4,305,000 $ 287,000 $ 101,000
Thurston, Washington 15 $ 5,655,000 $ 377,000 $ 134,000
Solano, California 14 $ 4,600,000 $ 328,571 $ 137,000
Madison, Idaho 14 $ 4,340,000 $ 310,000 $ 96,000
Payette, Idaho 14 $ 4,610,000 $ 329,285 $ 101,000
Tazewell, Illinois 14 $ 2,030,000 $ 145,000 $ 71,000
Missoula, Montana 14 $ 5,490,000 $ 392,142 $ 158,000
Franklin, Ohio 14 $ 2,490,000 $ 177,857 $ 133,000
Trumbull, Ohio 14 $ 2,200,000 $ 157,142 $ 59,000
Yamhill, Oregon 14 $ 5,950,000 $ 425,000 $ 143,000
St. Louis, Minnesota 13 $ 1,965,000 $ 151,153 $ 62,000
Warren, Ohio 13 $ 4,285,000 $ 329,615 $ 178,000
Henderson, Texas 13 $ 3,345,000 $ 257,307 $ 110,000
Imperial, California 12 $ 3,210,000 $ 267,500 $ 118,000
Ventura, California 12 $ 5,330,000 $ 444,166 $ 436,000
Broomfield, Colorado 12 $ 5,620,000 $ 468,333 $ 182,000
Orleans, Louisiana 12 $ 4,390,000 $ 365,833 $ 173,000
Johnson, Texas 12 $ 3,970,000 $ 330,833 $ 127,000
Utah, Utah 12 $ 4,800,000 $ 400,000 $ 153,000
Asotin, Washington 12 $ 3,050,000 $ 254,166 $ 95,000
Limestone, Alabama 11 $ 4,545,000 $ 413,181 $ 147,000
Mobile, Alabama 11 $ 2,105,000 $ 191,363 $ 121,000
Coconino, Arizona 11 $ 4,265,000 $ 387,727 $ 142,000
Elbert, Colorado 11 $ 5,315,000 $ 483,181 $ 124,000
Pasco, Florida 11 $ 3,875,000 $ 352,272 $ 62,000
Pinellas, Florida 11 $ 2,905,000 $ 264,090 $ 131,000
Belmont, Ohio 11 $ 2,615,000 $ 237,727 $ 80,000
Montgomery, Ohio 11 $ 1,575,000 $ 143,181 $ 117,000
Bingham, Idaho 10 $ 2,720,000 $ 272,000 $ 79,000
Logan, Illinois 10 $ 1,010,000 $ 101,000 $ 90,000
Lake, Indiana 10 $ 1,500,000 $ 150,000 $ 100,000
Hennepin, Minnesota 10 $ 4,390,000 $ 439,000 $ 187,000
Park, Montana 10 $ 2,900,000 $ 290,000 $ 100,000
Mesa, Colorado 9 $ 2,655,000 $ 295,000 $ 171,000
Escambia, Florida 9 $ 2,935,000 $ 326,111 $ 130,000
Elmore, Idaho 9 $ 2,575,000 $ 286,111 $ 119,000
Gem, Idaho 9 $ 2,165,000 $ 240,555 $ 129,000
Washington, Idaho 9 $ 3,595,000 $ 399,444 $ 122,000
Will, Illinois 9 $ 3,465,000 $ 385,000 $ 310,000
Webster, Louisiana 9 $ 1,325,000 $ 147,222 $ 107,000
Deschutes, Oregon 9 $ 3,655,000 $ 406,111 $ 171,000
Parker, Texas 9 $ 3,595,000 $ 399,444 $ 227,000
San Mateo, California 8 $ 8,060,000 $ 1,007,500 $ 493,000
Santa Cruz, California 8 $ 5,810,000 $ 726,250 $ 348,000
Broward, Florida 8 $ 2,990,000 $ 373,750 $ 198,000
Sarasota, Florida 8 $ 3,330,000 $ 416,250 $ 238,000
Valley, Idaho 8 $ 4,780,000 $ 597,500 $ 210,000
Kane, Illinois 8 $ 2,760,000 $ 345,000 $ 174,000
Lake, Illinois 8 $ 2,880,000 $ 360,000 $ 199,000
Cass, Missouri 8 $ 1,890,000 $ 236,250 $ 102,000
Columbiana, Ohio 8 $ 1,300,000 $ 162,500 $ 55,000
Baker, Oregon 8 $ 2,080,000 $ 260,000 $ 81,000
Morris, Texas 8 $ 1,260,000 $ 157,500 $ 129,000
Rock, Wisconsin 8 $ 1,920,000 $ 240,000 $ 115,000
Pinal, Arizona 7 $ 1,825,000 $ 260,714 $ 127,000
Plumas, California 7 $ 2,615,000 $ 373,571 $ 289,000
San Francisco, California 7 $ 5,505,000 $ 786,428 $ 312,000
San Luis Obispo, California 7 $ 4,755,000 $ 679,285 $ 364,000
Manatee, Florida 7 $ 2,095,000 $ 299,285 $ 159,000
Jefferson, Louisiana 7 $ 1,535,000 $ 219,285 $ 101,000
Wayne, Michigan 7 $ 1,965,000 $ 280,714 $ 115,000
Pearl River, Mississippi 7 $ 2,025,000 $ 289,285 $ 110,000
Tulsa, Oklahoma 7 $ 1,905,000 $ 272,142 $ 177,000
Benton, Oregon 7 $ 3,035,000 $ 433,571 $ 162,000
Douglas, Oregon 7 $ 2,155,000 $ 307,857 $ 123,000
Erie, Pennsylvania 7 $ 1,365,000 $ 195,000 $ 73,000
Grayson, Texas 7 $ 1,875,000 $ 267,857 $ 163,000
Harrison, Texas 7 $ 1,815,000 $ 259,285 $ 129,000
Travis, Texas 7 $ 2,135,000 $ 305,000 $ 202,000
Klickitat, Washington 7 $ 2,335,000 $ 333,571 $ 119,000
Pima, Arizona 6 $ 860,000 $ 143,333 $ 136,000
Calaveras, California 6 $ 1,980,000 $ 330,000 $ 152,000
Madera, California 6 $ 2,290,000 $ 381,666 $ 61,000
Park, Colorado 6 $ 1,650,000 $ 275,000 $ 100,000
Flagler, Florida 6 $ 1,960,000 $ 326,666 $ 373,000
Fulton, Georgia 6 $ 2,700,000 $ 450,000 $ 200,000
Porter, Indiana 6 $ 1,600,000 $ 266,666 $ 105,000
Hancock, Mississippi 6 $ 1,260,000 $ 210,000 $ 98,000
Lake, Montana 6 $ 1,690,000 $ 281,666 $ 92,000
Yellowstone, Montana 6 $ 1,730,000 $ 288,333 $ 102,000
Douglas, Nevada 6 $ 3,910,000 $ 651,666 $ 170,000
Knox, Tennessee 6 $ 1,650,000 $ 275,000 $ 120,000
Liberty, Texas 6 $ 1,880,000 $ 313,333 $ 125,000
Medina, Texas 6 $ 600,000 $ 100,000 $ 70,000
Rockwall, Texas 6 $ 2,490,000 $ 415,000 $ 134,000
Van Zandt, Texas 6 $ 1,500,000 $ 250,000 $ 74,000
Waller, Texas 6 $ 1,570,000 $ 261,666 $ 99,000
Washington, Utah 6 $ 3,390,000 $ 565,000 $ 227,000
Benton, Washington 6 $ 2,120,000 $ 353,333 $ 168,000
Snohomish, Washington 6 $ 1,540,000 $ 256,666 $ 109,000
Stevens, Washington 6 $ 1,070,000 $ 178,333 $ 65,000
Dodge, Wisconsin 6 $ 1,310,000 $ 218,333 $ 107,000
San Benito, California 5 $ 1,795,000 $ 359,000 $ 178,000
Morgan, Colorado 5 $ 1,905,000 $ 381,000 $ 112,000
Summit, Colorado 5 $ 2,245,000 $ 449,000 $ 239,000
Hillsborough, Florida 5 $ 1,215,000 $ 243,000 $ 171,000
Orange, Florida 5 $ 1,355,000 $ 271,000 $ 405,000
Cobb, Georgia 5 $ 685,000 $ 137,000 $ 163,000
Bannock, Idaho 5 $ 1,935,000 $ 387,000 $ 136,000
Owyhee, Idaho 5 $ 1,345,000 $ 269,000 $ 100,000
Twin Falls, Idaho 5 $ 1,435,000 $ 287,000 $ 94,000
De Soto, Louisiana 5 $ 1,165,000 $ 233,000 $ 106,000
Anoka, Minnesota 5 $ 995,000 $ 199,000 $ 102,000
Dakota, Minnesota 5 $ 1,005,000 $ 201,000 $ 89,000
Harrison, Mississippi 5 $ 855,000 $ 171,000 $ 77,000
St. Louis, Missouri 5 $ 285,000 $ 57,000 $ 199,000
Lyon, Nevada 5 $ 1,585,000 $ 317,000 $ 94,000
Mecklenburg, North Carolina 5 $ 525,000 $ 105,000 $ 212,000
Josephine, Oregon 5 $ 1,385,000 $ 277,000 $ 91,000
Tillamook, Oregon 5 $ 2,015,000 $ 403,000 $ 135,000
Lubbock, Texas 5 $ 685,000 $ 137,000 $ 91,000
Midland, Texas 5 $ 1,635,000 $ 327,000 $ 128,000
Palo Pinto, Texas 5 $ 2,875,000 $ 575,000 $ 294,000
Victoria, Texas 5 $ 1,195,000 $ 239,000 $ 95,000
Wharton, Texas 5 $ 965,000 $ 193,000 $ 106,000
Grant, Washington 5 $ 845,000 $ 169,000 $ 85,000
Grays Harbor, Washington 5 $ 1,655,000 $ 331,000 $ 162,000
Kittitas, Washington 5 $ 1,765,000 $ 353,000 $ 129,000
Pacific, Washington 5 $ 1,665,000 $ 333,000 $ 103,000
Columbia, Wisconsin 5 $ 935,000 $ 187,000 $ 271,000
Jefferson, Wisconsin 5 $ 1,005,000 $ 201,000 $ 81,000
Cochise, Arizona 4 $ 730,000 $ 182,500 $ 98,000
Gila, Arizona 4 $ 1,360,000 $ 340,000 $ 151,000
Yuma, Arizona 4 $ 1,550,000 $ 387,500 $ 203,000
Eagle, Colorado 4 $ 3,030,000 $ 757,500 $ 324,000
Grand, Colorado 4 $ 1,870,000 $ 467,500 $ 268,000
Pueblo, Colorado 4 $ 750,000 $ 187,500 $ 97,000
DeKalb, Georgia 4 $ 880,000 $ 220,000 $ 90,000
Maui, Hawaii 4 $ 3,160,000 $ 790,000 $ 187,000
Jerome, Idaho 4 $ 1,210,000 $ 302,500 $ 87,000
DuPage, Illinois 4 $ 1,000,000 $ 250,000 $ 101,000
Winnebago, Illinois 4 $ 470,000 $ 117,500 $ 49,000
Hamilton, Indiana 4 $ 360,000 $ 90,000 $ 120,000
Miami, Kansas 4 $ 1,220,000 $ 305,000 $ 102,000
Sedgwick, Kansas 4 $ 1,140,000 $ 285,000 $ 223,000
Wyandotte, Kansas 4 $ 1,070,000 $ 267,500 $ 64,000
Platte, Missouri 4 $ 1,280,000 $ 320,000 $ 105,000
Jefferson, Montana 4 $ 2,020,000 $ 505,000 $ 178,000
Burlington, New Jersey 4 $ 190,000 $ 47,500 $ 176,000
Clark, Ohio 4 $ 330,000 $ 82,500 $ 67,000
Huron, Ohio 4 $ 780,000 $ 195,000 $ 71,000
Lucas, Ohio 4 $ 310,000 $ 77,500 $ 60,000
Richland, Ohio 4 $ 290,000 $ 72,500 $ 42,000
Bryan, Oklahoma 4 $ 710,000 $ 177,500 $ 88,000
Canadian, Oklahoma 4 $ 990,000 $ 247,500 $ 58,000
Columbia, Oregon 4 $ 1,420,000 $ 355,000 $ 117,000
Morrow, Oregon 4 $ 1,220,000 $ 305,000 $ 113,000
Mercer, Pennsylvania 4 $ 750,000 $ 187,500 $ 87,000
Spartanburg, South Carolina 4 $ 830,000 $ 207,500 $ 99,000
Bandera, Texas 4 $ 530,000 $ 132,500 $ 48,000
Bosque, Texas 4 $ 1,830,000 $ 457,500 $ 413,000
Colorado, Texas 4 $ 1,130,000 $ 282,500 $ 159,000
Fannin, Texas 4 $ 1,260,000 $ 315,000 $ 124,000
Guadalupe, Texas 4 $ 690,000 $ 172,500 $ 115,000
Hunt, Texas 4 $ 920,000 $ 230,000 $ 140,000
Titus, Texas 4 $ 1,580,000 $ 395,000 $ 182,000
Williamson, Texas 4 $ 2,740,000 $ 685,000 $ 192,000
Iron, Utah 4 $ 1,060,000 $ 265,000 $ 86,000
Fond du Lac, Wisconsin 4 $ 590,000 $ 147,500 $ 97,000
Green, Wisconsin 4 $ 1,560,000 $ 390,000 $ 172,000
Waukesha, Wisconsin 4 $ 2,190,000 $ 547,500 $ 209,000
Jefferson, Alabama 3 $ 1,095,000 $ 365,000 $ 215,000
Shelby, Alabama 3 $ 535,000 $ 178,333 $ 347,000
El Dorado, California 3 $ 1,705,000 $ 568,333 $ 604,000
Marin, California 3 $ 2,345,000 $ 781,666 $ 337,000
Santa Barbara, California 3 $ 2,155,000 $ 718,333 $ 216,000
Sonoma, California 3 $ 2,895,000 $ 965,000 $ 331,000
Chaffee, Colorado 3 $ 1,145,000 $ 381,666 $ 134,000
Delta, Colorado 3 $ 1,215,000 $ 405,000 $ 153,000
Saguache, Colorado 3 $ 825,000 $ 275,000 $ 366,000
Bay, Florida 3 $ 1,285,000 $ 428,333 $ 169,000
Clayton, Georgia 3 $ 795,000 $ 265,000 $ 474,000
Blaine, Idaho 3 $ 1,555,000 $ 518,333 $ 184,000
Fremont, Idaho 3 $ 835,000 $ 278,333 $ 142,000
Lemhi, Idaho 3 $ 1,025,000 $ 341,666 $ 117,000
De Witt, Illinois 3 $ 365,000 $ 121,666 $ 92,000
Scott, Iowa 3 $ 825,000 $ 275,000 $ 131,000
Boone, Kentucky 3 $ 1,065,000 $ 355,000 $ 112,000
Campbell, Kentucky 3 $ 685,000 $ 228,333 $ 56,000
Jefferson, Kentucky 3 $ 1,095,000 $ 365,000 $ 219,000
Kenton, Kentucky 3 $ 475,000 $ 158,333 $ 94,000
Bristol, Massachusetts 3 $ 915,000 $ 305,000 $ 140,000
Worcester, Massachusetts 3 $ 1,125,000 $ 375,000 $ 169,000
Ramsey, Minnesota 3 $ 585,000 $ 195,000 $ 86,000
Wright, Minnesota 3 $ 935,000 $ 311,666 $ 112,000
Johnson, Missouri 3 $ 905,000 $ 301,666 $ 175,000
Lafayette, Missouri 3 $ 365,000 $ 121,666 $ 52,000
Broadwater, Montana 3 $ 905,000 $ 301,666 $ 112,000
Gallatin, Montana 3 $ 735,000 $ 245,000 $ 174,000
Sanders, Montana 3 $ 475,000 $ 158,333 $ 80,000
Lancaster, Nebraska 3 $ 495,000 $ 165,000 $ 151,000
Monmouth, New Jersey 3 $ 815,000 $ 271,666 $ 300,000
Union, New Jersey 3 $ 365,000 $ 121,666 $ 139,000
Bernalillo, New Mexico 3 $ 805,000 $ 268,333 $ 130,000
Wake, North Carolina 3 $ 535,000 $ 178,333 $ 140,000
Greene, Ohio 3 $ 585,000 $ 195,000 $ 120,000
Jefferson, Ohio 3 $ 365,000 $ 121,666 $ 87,000
Clatsop, Oregon 3 $ 935,000 $ 311,666 $ 173,000
Crook, Oregon 3 $ 1,105,000 $ 368,333 $ 68,000
Hood River, Oregon 3 $ 1,725,000 $ 575,000 $ 120,000
Lincoln, Oregon 3 $ 985,000 $ 328,333 $ 221,000
Wasco, Oregon 3 $ 725,000 $ 241,666 $ 84,000
Clay, South Dakota 3 $ 335,000 $ 111,666 $ 98,000
Davidson, Tennessee 3 $ 1,575,000 $ 525,000 $ 260,000
Rutherford, Tennessee 3 $ 1,905,000 $ 635,000 $ 191,000
Austin, Texas 3 $ 715,000 $ 238,333 $ 172,000
Comal, Texas 3 $ 1,045,000 $ 348,333 $ 198,000
El Paso, Texas 3 $ 1,035,000 $ 345,000 $ 81,000
Falls, Texas 3 $ 515,000 $ 171,666 $ 75,000
Hood, Texas 3 $ 715,000 $ 238,333 $ 100,000
McLennan, Texas 3 $ 1,065,000 $ 355,000 $ 40,000
Montague, Texas 3 $ 365,000 $ 121,666 $ 59,000
Wilson, Texas 3 $ 555,000 $ 185,000 $ 91,000
Wise, Texas 3 $ 1,445,000 $ 481,666 $ 129,000
Duchesne, Utah 3 $ 685,000 $ 228,333 $ 39,000
Whitman, Washington 3 $ 275,000 $ 91,666 $ 69,000
Kenosha, Wisconsin 3 $ 1,035,000 $ 345,000 $ 134,000
Outagamie, Wisconsin 3 $ 805,000 $ 268,333 $ 70,000
Racine, Wisconsin 3 $ 615,000 $ 205,000 $ 81,000
Richland, Wisconsin 3 $ 485,000 $ 161,666 $ 70,000
Apache, Arizona 2 $ 380,000 $ 190,000 $ 76,000
Mohave, Arizona 2 $ 910,000 $ 455,000 $ 223,000
Navajo, Arizona 2 $ 510,000 $ 255,000 $ 60,000
Benton, Arkansas 2 $ 520,000 $ 260,000 $ 287,000
Washington, Arkansas 2 $ 170,000 $ 85,000 $ 52,000
Mariposa, California 2 $ 710,000 $ 355,000 $ 96,000
Tuolumne, California 2 $ 570,000 $ 285,000 $ 139,000
Gilpin, Colorado 2 $ 960,000 $ 480,000 $ 224,000
Ouray, Colorado 2 $ 1,080,000 $ 540,000 $ 180,000
San Miguel, Colorado 2 $ 1,150,000 $ 575,000 $ 716,000
Sedgwick, Colorado 2 $ 160,000 $ 80,000 $ 60,000
Capitol Planning Region, Connecticut 2 $ 730,000 $ 365,000 $ 87,000
Naugatuck Valley Planning Region, Connecticut 2 $ 300,000 $ 150,000 $ 181,000
Charlotte, Florida 2 $ 1,060,000 $ 530,000 $ 419,000
Clay, Florida 2 $ 380,000 $ 190,000 $ 123,000
Duval, Florida 2 $ 310,000 $ 155,000 $ 54,000
Lee, Florida 2 $ 510,000 $ 255,000 $ 545,000
Osceola, Florida 2 $ 150,000 $ 75,000 $ 214,000
Palm Beach, Florida 2 $ 1,510,000 $ 755,000 $ 254,000
Chatham, Georgia 2 $ 770,000 $ 385,000 $ 212,000
Cherokee, Georgia 2 $ 230,000 $ 115,000 $ 108,000
Fayette, Georgia 2 $ 150,000 $ 75,000 $ 133,000
Jackson, Georgia 2 $ 330,000 $ 165,000 $ 88,000
Lumpkin, Georgia 2 $ 710,000 $ 355,000 $ 151,000
Hawaii, Hawaii 2 $ 810,000 $ 405,000 $ 191,000
Honolulu, Hawaii 2 $ 1,190,000 $ 595,000 $ 352,000
Adams, Idaho 2 $ 610,000 $ 305,000 $ 116,000
Boise, Idaho 2 $ 710,000 $ 355,000 $ 288,000
Bonner, Idaho 2 $ 610,000 $ 305,000 $ 319,000
Cassia, Idaho 2 $ 220,000 $ 110,000 $ 92,000
Kootenai, Idaho 2 $ 900,000 $ 450,000 $ 229,000
Lewis, Idaho 2 $ 410,000 $ 205,000 $ 84,000
Champaign, Illinois 2 $ 300,000 $ 150,000 $ 48,000
Kankakee, Illinois 2 $ 360,000 $ 180,000 $ 60,000
LaSalle, Illinois 2 $ 260,000 $ 130,000 $ 43,000
Macon, Illinois 2 $ 930,000 $ 465,000 $ 186,000
Mason, Illinois 2 $ 180,000 $ 90,000 $ 40,000
Piatt, Illinois 2 $ 190,000 $ 95,000 $ 110,000
Saline, Illinois 2 $ 90,000 $ 45,000 $ 105,000
Whiteside, Illinois 2 $ 280,000 $ 140,000 $ 74,000
Woodford, Illinois 2 $ 190,000 $ 95,000 $ 55,000
Hendricks, Indiana 2 $ 70,000 $ 35,000 $ 57,000
LaPorte, Indiana 2 $ 320,000 $ 160,000 $ 119,000
Marion, Indiana 2 $ 510,000 $ 255,000 $ 56,000
St. Joseph, Indiana 2 $ 440,000 $ 220,000 $ 319,000
Delaware, Iowa 2 $ 310,000 $ 155,000 $ 231,000
Leavenworth, Kansas 2 $ 510,000 $ 255,000 $ 78,000
Calcasieu, Louisiana 2 $ 100,000 $ 50,000 $ 69,000
St. Charles, Louisiana 2 $ 460,000 $ 230,000 $ 120,000
Harford, Maryland 2 $ 930,000 $ 465,000 $ 145,000
Prince George's, Maryland 2 $ 690,000 $ 345,000 $ 94,000
Suffolk, Massachusetts 2 $ 890,000 $ 445,000 $ 214,000
Antrim, Michigan 2 $ 1,490,000 $ 745,000 $ 250,000
Grand Traverse, Michigan 2 $ 210,000 $ 105,000 $ 100,000
Livingston, Michigan 2 $ 920,000 $ 460,000 $ 300,000
Mecosta, Michigan 2 $ 480,000 $ 240,000 $ 65,000
Ottawa, Michigan 2 $ 360,000 $ 180,000 $ 502,000
Carlton, Minnesota 2 $ 580,000 $ 290,000 $ 111,000
Carver, Minnesota 2 $ 500,000 $ 250,000 $ 101,000
Itasca, Minnesota 2 $ 350,000 $ 175,000 $ 89,000
Meeker, Minnesota 2 $ 340,000 $ 170,000 $ 103,000
Jackson, Mississippi 2 $ 500,000 $ 250,000 $ 158,000
Lee, Mississippi 2 $ 450,000 $ 225,000 $ 132,000
Ray, Missouri 2 $ 610,000 $ 305,000 $ 202,000
St. Charles, Missouri 2 $ 430,000 $ 215,000 $ 147,000
St. Louis City, Missouri 2 $ 540,000 $ 270,000 $ 83,000
Lincoln, Montana 2 $ 1,180,000 $ 590,000 $ 857,000
Silver Bow, Montana 2 $ 670,000 $ 335,000 $ 87,000
Teton, Montana 2 $ 680,000 $ 340,000 $ 164,000
Cape May, New Jersey 2 $ 490,000 $ 245,000 $ 140,000
Salem, New Jersey 2 $ 540,000 $ 270,000 $ 133,000
Somerset, New Jersey 2 $ 250,000 $ 125,000 $ 85,000
Colfax, New Mexico 2 $ 890,000 $ 445,000 $ 49,000
Grant, New Mexico 2 $ 520,000 $ 260,000 $ 66,000
Brunswick, North Carolina 2 $ 480,000 $ 240,000 $ 56,000
Buncombe, North Carolina 2 $ 450,000 $ 225,000 $ 171,000
Forsyth, North Carolina 2 $ 270,000 $ 135,000 $ 71,000
Gaston, North Carolina 2 $ 360,000 $ 180,000 $ 120,000
Guilford, North Carolina 2 $ 380,000 $ 190,000 $ 252,000
Iredell, North Carolina 2 $ 490,000 $ 245,000 $ 133,000
New Hanover, North Carolina 2 $ 370,000 $ 185,000 $ 125,000
Person, North Carolina 2 $ 240,000 $ 120,000 $ 104,000
Union, North Carolina 2 $ 150,000 $ 75,000 $ 252,000
Clinton, Ohio 2 $ 600,000 $ 300,000 $ 118,000
Delaware, Ohio 2 $ 910,000 $ 455,000 $ 232,000
Erie, Ohio 2 $ 440,000 $ 220,000 $ 52,000
Fairfield, Ohio 2 $ 720,000 $ 360,000 $ 106,000
Fayette, Ohio 2 $ 180,000 $ 90,000 $ 65,000
Guernsey, Ohio 2 $ 110,000 $ 55,000 $ 70,000
Harrison, Ohio 2 $ 490,000 $ 245,000 $ 94,000
Muskingum, Ohio 2 $ 250,000 $ 125,000 $ 58,000
Tuscarawas, Ohio 2 $ 320,000 $ 160,000 $ 40,000
Union, Ohio 2 $ 1,010,000 $ 505,000 $ 126,000
Comanche, Oklahoma 2 $ 220,000 $ 110,000 $ 88,000
Lincoln, Oklahoma 2 $ 600,000 $ 300,000 $ 133,000
Okfuskee, Oklahoma 2 $ 660,000 $ 330,000 $ 250,000
Wagoner, Oklahoma 2 $ 60,000 $ 30,000 $ 71,000
Coos, Oregon 2 $ 590,000 $ 295,000 $ 78,000
Klamath, Oregon 2 $ 490,000 $ 245,000 $ 211,000
Allegheny, Pennsylvania 2 $ 520,000 $ 260,000 $ 167,000
Chester, Pennsylvania 2 $ 680,000 $ 340,000 $ 171,000
Montgomery, Pennsylvania 2 $ 930,000 $ 465,000 $ 140,000
Jasper, South Carolina 2 $ 700,000 $ 350,000 $ 84,000
Orangeburg, South Carolina 2 $ 230,000 $ 115,000 $ 0
York, South Carolina 2 $ 600,000 $ 300,000 $ 198,000
Lawrence, South Dakota 2 $ 1,490,000 $ 745,000 $ 132,000
Shelby, Tennessee 2 $ 740,000 $ 370,000 $ 424,000
Wilson, Tennessee 2 $ 910,000 $ 455,000 $ 180,000
Bell, Texas 2 $ 550,000 $ 275,000 $ 93,000
Camp, Texas 2 $ 520,000 $ 260,000 $ 95,000
Cooke, Texas 2 $ 660,000 $ 330,000 $ 113,000
Franklin, Texas 2 $ 330,000 $ 165,000 $ 60,000
Hays, Texas 2 $ 260,000 $ 130,000 $ 80,000
Hidalgo, Texas 2 $ 320,000 $ 160,000 $ 52,000
Hopkins, Texas 2 $ 530,000 $ 265,000 $ 190,000
Jefferson, Texas 2 $ 260,000 $ 130,000 $ 51,000
Limestone, Texas 2 $ 450,000 $ 225,000 $ 65,000
Matagorda, Texas 2 $ 560,000 $ 280,000 $ 204,000
Scurry, Texas 2 $ 410,000 $ 205,000 $ 173,000
Box Elder, Utah 2 $ 1,200,000 $ 600,000 $ 152,000
Tooele, Utah 2 $ 870,000 $ 435,000 $ 123,000
Weber, Utah 2 $ 660,000 $ 330,000 $ 595,000
Buena Vista, Virginia 2 $ 280,000 $ 140,000 $ 90,000
Prince William, Virginia 2 $ 190,000 $ 95,000 $ 330,000
Richmond City, Virginia 2 $ 140,000 $ 70,000 $ 130,000
Virginia Beach, Virginia 2 $ 650,000 $ 325,000 $ 126,000
Franklin, Washington 2 $ 1,030,000 $ 515,000 $ 147,000
Garfield, Washington 2 $ 270,000 $ 135,000 $ 71,000
Skamania, Washington 2 $ 460,000 $ 230,000 $ 89,000
Whatcom, Washington 2 $ 560,000 $ 280,000 $ 328,000
Brown, Wisconsin 2 $ 460,000 $ 230,000 $ 92,000
Calumet, Wisconsin 2 $ 470,000 $ 235,000 $ 123,000
La Crosse, Wisconsin 2 $ 490,000 $ 245,000 $ 125,000
Oconto, Wisconsin 2 $ 320,000 $ 160,000 $ 92,000
Walworth, Wisconsin 2 $ 250,000 $ 125,000 $ 120,000
Washington, Wisconsin 2 $ 280,000 $ 140,000 $ 87,000
Lincoln, Wyoming 2 $ 780,000 $ 390,000 $ 113,000
Cullman, Alabama 1 $ 205,000 $ 205,000 $ 87,000
Lawrence, Alabama 1 $ 265,000 $ 265,000 $ 111,000
Marshall, Alabama 1 $ 165,000 $ 165,000 $ 42,000
Monroe, Alabama 1 $ 155,000 $ 155,000 $ 2,000
Morgan, Alabama 1 $ 205,000 $ 205,000 $ 68,000
Sumter, Alabama 1 $ 55,000 $ 55,000 $ 97,000
Tuscaloosa, Alabama 1 $ 245,000 $ 245,000 $ 78,000
Anchorage, Alaska 1 $ 535,000 $ 535,000 $ 209,000
Skagway, Alaska 1 $ 625,000 $ 625,000 $ 156,000
La Paz, Arizona 1 $ 165,000 $ 165,000 $ 4,835,000
Carroll, Arkansas 1 $ 255,000 $ 255,000 $ 73,000
Faulkner, Arkansas 1 $ 465,000 $ 465,000 $ 165,000
Garland, Arkansas 1 $ 135,000 $ 135,000 $ 80,000
Pulaski, Arkansas 1 $ 65,000 $ 65,000 $ 120,000
Alpine, California 1 $ 355,000 $ 355,000 $ 859,000
Lake, California 1 $ 285,000 $ 285,000 $ 108,000
Mono, California 1 $ 1,725,000 $ 1,725,000 $ 1,273,000
Napa, California 1 $ 855,000 $ 855,000 $ 360,000
Shasta, California 1 $ 415,000 $ 415,000 $ 78,000
Sierra, California 1 $ 335,000 $ 335,000 $ 105,000
Tehama, California 1 $ 155,000 $ 155,000 $ 60,000
Yolo, California 1 $ 215,000 $ 215,000 $ 0
Yuba, California 1 $ 325,000 $ 325,000 $ 89,000
Gunnison, Colorado 1 $ 875,000 $ 875,000 $ 688,000
Lake, Colorado 1 $ 535,000 $ 535,000 $ 184,000
Las Animas, Colorado 1 $ 265,000 $ 265,000 $ 134,000
Logan, Colorado 1 $ 315,000 $ 315,000 $ 99,000
Montezuma, Colorado 1 $ 235,000 $ 235,000 $ 88,000
Phillips, Colorado 1 $ 185,000 $ 185,000 $ 372,000
Pitkin, Colorado 1 $ 2,695,000 $ 2,695,000 $ 2,207,000
Rio Blanco, Colorado 1 $ 195,000 $ 195,000 $ 141,000
Routt, Colorado 1 $ 205,000 $ 205,000 $ 296,000
Teller, Colorado 1 $ 305,000 $ 305,000 $ 60,000
Western Connecticut Planning Region, Connecticut 1 $ 725,000 $ 725,000 $ 306,000
Brevard, Florida 1 $ 615,000 $ 615,000 $ 0
Collier, Florida 1 $ 1,005,000 $ 1,005,000 $ 370,000
Lake, Florida 1 $ 295,000 $ 295,000 $ 58,000
Miami-Dade, Florida 1 $ 125,000 $ 125,000 $ 421,000
Okaloosa, Florida 1 $ 925,000 $ 925,000 $ 387,000
Polk, Florida 1 $ 25,000 $ 25,000 $ 134,000
St. Lucie, Florida 1 $ 65,000 $ 65,000 $ 111,000
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Mortgage Loan Application Detail Totals for Synergy One Lending, Inc. in 2024

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 6,595 $2,345,805,000 $355,000 $4,005,000 $151,000 $7,833,000
Cash-out Refinancing 789 $251,715,000 $319,000 $2,505,000 $207,000 $5,532,000
Other Purpose 509 $53,505,000 $105,000 $435,000 $157,000 $900,000
Refinancing 499 $232,995,000 $466,000 $3,715,000 $196,000 $4,439,000
Home Improvement 320 $48,280,000 $150,000 $1,505,000 $181,000 $6,526,000
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 5,130 $1,774,100,000 $345,000 $4,005,000 $169,000 $7,833,000
Hispanic 1,408 $403,420,000 $286,000 $1,485,000 $128,000 $2,598,000
Not Provided 1,178 $424,040,000 $359,000 $2,675,000 $166,000 $1,807,000
Black or African American 555 $141,255,000 $254,000 $1,425,000 $116,000 $1,778,000
Asian 359 $160,145,000 $446,000 $3,145,000 $212,000 $2,867,000
American Indian or Alaskan Native 53 $19,575,000 $369,000 $2,155,000 $150,000 $872,000
Native Hawaiian or Other Pacific Islander 29 $9,765,000 $336,000 $735,000 $145,000 $675,000
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) 6,383 $2,110,745,000 $330,000 $4,005,000 $178,000 $7,833,000
FHA-insured (Federal Housing Administration) 1,749 $567,515,000 $324,000 $1,415,000 $107,000 $1,555,000
VA-guaranteed (Veterans Administration) 539 $245,255,000 $455,000 $2,095,000 $127,000 $618,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 41 $8,785,000 $214,000 $395,000 $74,000 $143,000

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 5,933 $2,036,605,000 $343,000 $4,005,000 $159,000 $6,248,000
Application Withdrawn By Applicant 1,960 $701,900,000 $358,000 $3,715,000 $167,000 $7,833,000
Application Denied By Financial Institution 619 $157,135,000 $253,000 $2,815,000 $150,000 $4,835,000
Application Approved But Not Accepted 160 $19,160,000 $119,000 $475,000 $161,000 $547,000
File Closed For Incompleteness 40 $17,500,000 $437,000 $1,145,000 $175,000 $730,000
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 8,093 $2,775,165,000 $342,000 $4,005,000 $161,000 $7,833,000
Debt-To-Income Ratio 179 $40,755,000 $227,000 $1,965,000 $95,000 $955,000
Credit Application Incomplete 155 $34,905,000 $225,000 $2,815,000 $184,000 $956,000
Other 97 $23,795,000 $245,000 $965,000 $156,000 $2,381,000
Collateral 78 $22,640,000 $290,000 $1,125,000 $217,000 $4,835,000
Credit History 40 $9,270,000 $231,000 $515,000 $104,000 $242,000
Insufficient Cash (Downpayment, Closing Cost) 31 $12,405,000 $400,000 $1,415,000 $150,000 $660,000
Employment History 23 $7,955,000 $345,000 $725,000 $137,000 $348,000
Unverifiable Information 16 $5,410,000 $338,000 $1,385,000 $204,000 $1,323,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Synergy One Lending, Inc.'s 2024 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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