Synergy One Lending, Inc. Mortgage Lending & HMDA Data, 2025
In 2025, Synergy One Lending, Inc. of San Diego, CA reported 11,752 mortgage applications totaling $4.1 billion, up 35% from 2024. The average application was for $351,297, and applicants reported an average income of $153,418. 69% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Cleveland, OH (1,019), Baton Rouge, LA (702) and Denver-Aurora-Lakewood, CO (654) (applications in parentheses).
| Mortgage Company & Address | Synergy One Lending, Inc. 3131 Camino Del Rio N. Suite 150 San Diego, CA 92101 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 |
| Total Number of Mortgage Applications | 11,752 |
| Total Mortgage Loan Application Amount | $4,128,450,000 |
| Average Mortgage Loan Application Amount | $351,297 |
| Highest Mortgage Loan Application Amount | $6,505,000 |
| Average Applicant Income | $153,418 |
| Highest Applicant Income | $6,561,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Synergy One Lending, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Outside any metro area | 1,324 | $ 383,770,000 | $ 289,856 | $ 141,204 |
| Cleveland, OH | 1,019 | $ 207,845,000 | $ 203,969 | $ 97,000 |
| Baton Rouge, LA | 702 | $ 193,810,000 | $ 276,082 | $ 137,000 |
| Denver-Aurora-Lakewood, CO | 654 | $ 316,240,000 | $ 483,547 | $ 192,000 |
| Houston-The Woodlands-Sugar Land, TX | 478 | $ 166,940,000 | $ 349,246 | $ 166,000 |
| Boise City, ID | 422 | $ 169,230,000 | $ 401,018 | $ 152,000 |
| McAllen-Edinburg-Mission, TX | 417 | $ 99,905,000 | $ 239,580 | $ 96,000 |
| Akron, OH | 369 | $ 73,185,000 | $ 198,333 | $ 101,000 |
| Salem, OR | 237 | $ 97,145,000 | $ 409,894 | $ 135,000 |
| Yakima, WA | 230 | $ 67,440,000 | $ 293,217 | $ 110,000 |
| San Antonio-New Braunfels, TX | 228 | $ 66,620,000 | $ 292,192 | $ 126,000 |
| Cincinnati, OH-KY-IN | 220 | $ 61,040,000 | $ 277,454 | $ 115,563 |
| Dallas-Plano-Irving, TX | 213 | $ 85,765,000 | $ 402,652 | $ 182,000 |
| San Diego-Carlsbad, CA | 201 | $ 154,575,000 | $ 769,029 | $ 310,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 200 | $ 86,390,000 | $ 431,950 | $ 160,915 |
| Brownsville-Harlingen, TX | 185 | $ 43,865,000 | $ 237,108 | $ 116,000 |
| Idaho Falls, ID | 143 | $ 41,935,000 | $ 293,251 | $ 144,000 |
| Chicago-Naperville, IL | 142 | $ 43,150,000 | $ 303,873 | $ 140,000 |
| Shreveport-Bossier City, LA | 136 | $ 28,730,000 | $ 211,250 | $ 110,000 |
| Modesto, CA | 127 | $ 46,185,000 | $ 363,661 | $ 147,000 |
| Spokane-Spokane Valley, WA | 123 | $ 33,325,000 | $ 270,934 | $ 102,000 |
| Kansas City, MO-KS | 120 | $ 26,560,000 | $ 221,333 | $ 101,166 |
| Phoenix-Mesa-Scottsdale, AZ | 119 | $ 60,735,000 | $ 510,378 | $ 249,000 |
| Bloomington, IL | 114 | $ 20,690,000 | $ 181,491 | $ 86,000 |
| Las Vegas-Henderson-Paradise, NV | 114 | $ 60,410,000 | $ 529,912 | $ 252,000 |
| Peoria, IL | 106 | $ 12,740,000 | $ 120,188 | $ 71,000 |
| Seattle-Bellevue-Everett, WA | 106 | $ 56,260,000 | $ 530,754 | $ 166,000 |
| Tacoma-Lakewood, WA | 97 | $ 37,385,000 | $ 385,412 | $ 122,000 |
| Canton-Massillon, OH | 96 | $ 19,650,000 | $ 204,687 | $ 109,000 |
| Oakland-Hayward-Berkeley, CA | 91 | $ 60,185,000 | $ 661,373 | $ 256,000 |
| Santa Rosa, CA | 90 | $ 64,020,000 | $ 711,333 | $ 241,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 89 | $ 95,595,000 | $ 1,074,101 | $ 485,000 |
| Fort Worth-Arlington, TX | 84 | $ 31,480,000 | $ 374,761 | $ 151,000 |
| Los Angeles-Long Beach-Glendale, CA | 79 | $ 75,725,000 | $ 958,544 | $ 441,000 |
| Cambridge-Newton-Framingham, MA | 75 | $ 36,675,000 | $ 489,000 | $ 174,000 |
| Austin-Round Rock, TX | 71 | $ 38,375,000 | $ 540,492 | $ 204,000 |
| Longview, WA | 71 | $ 22,465,000 | $ 316,408 | $ 118,000 |
| Great Falls, MT | 65 | $ 14,885,000 | $ 229,000 | $ 94,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 64 | $ 21,390,000 | $ 334,218 | $ 180,000 |
| Riverside-San Bernardino-Ontario, CA | 64 | $ 26,060,000 | $ 407,187 | $ 185,000 |
| Salinas, CA | 64 | $ 57,060,000 | $ 891,562 | $ 410,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 62 | $ 36,240,000 | $ 584,516 | $ 244,000 |
| Daphne-Fairhope-Foley, AL | 61 | $ 24,515,000 | $ 401,885 | $ 202,000 |
| Albany, OR | 60 | $ 21,290,000 | $ 354,833 | $ 117,000 |
| Eugene, OR | 60 | $ 21,450,000 | $ 357,500 | $ 119,000 |
| Prescott Valley-Prescott, AZ | 60 | $ 22,410,000 | $ 373,500 | $ 556,000 |
| Lewiston, ID-WA | 58 | $ 16,720,000 | $ 288,275 | $ 116,965 |
| Clarksville, TN-KY | 57 | $ 17,685,000 | $ 310,263 | $ 120,964 |
| Boulder, CO | 55 | $ 37,015,000 | $ 673,000 | $ 246,000 |
| Helena, MT | 53 | $ 19,345,000 | $ 365,000 | $ 121,000 |
| New Orleans-Metairie, LA | 51 | $ 12,075,000 | $ 236,764 | $ 121,000 |
| Slidell-Mandeville-Covington, LA | 48 | $ 13,130,000 | $ 273,541 | $ 115,000 |
| Youngstown-Warren-Boardman, OH-PA | 43 | $ 5,825,000 | $ 135,465 | $ 70,000 |
| Greeley, CO | 42 | $ 15,830,000 | $ 376,904 | $ 119,000 |
| Stockton-Lodi, CA | 42 | $ 19,620,000 | $ 467,142 | $ 143,000 |
| Cape Girardeau, MO-IL | 40 | $ 6,990,000 | $ 174,750 | $ 71,000 |
| Colorado Springs, CO | 40 | $ 13,590,000 | $ 339,750 | $ 118,000 |
| North Port-Sarasota-Bradenton, FL | 39 | $ 17,325,000 | $ 444,230 | $ 416,000 |
| Columbus, OH | 37 | $ 11,065,000 | $ 299,054 | $ 208,000 |
| Missoula, MT | 34 | $ 13,980,000 | $ 411,176 | $ 148,000 |
| San Francisco-Redwood City-South San Francisco, CA | 33 | $ 44,195,000 | $ 1,339,242 | $ 412,000 |
| Fort Collins, CO | 32 | $ 15,350,000 | $ 479,687 | $ 154,000 |
| Kennewick-Richland, WA | 31 | $ 12,435,000 | $ 401,129 | $ 134,000 |
| Reno, NV | 29 | $ 11,835,000 | $ 408,103 | $ 177,000 |
| Pensacola-Ferry Pass-Brent, FL | 27 | $ 7,395,000 | $ 273,888 | $ 110,000 |
| Boston, MA | 23 | $ 10,645,000 | $ 462,826 | $ 241,000 |
| Everett, WA | 23 | $ 12,305,000 | $ 535,000 | $ 150,000 |
| Lake Charles, LA | 23 | $ 4,955,000 | $ 215,434 | $ 114,000 |
| Corvallis, OR | 22 | $ 9,830,000 | $ 446,818 | $ 149,000 |
| Duluth, MN-WI | 22 | $ 5,610,000 | $ 255,000 | $ 101,545 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 22 | $ 13,180,000 | $ 599,090 | $ 210,000 |
| Flagstaff, AZ | 21 | $ 10,805,000 | $ 514,523 | $ 248,000 |
| Bend-Redmond, OR | 20 | $ 9,720,000 | $ 486,000 | $ 148,000 |
| Houma-Thibodaux, LA | 19 | $ 4,345,000 | $ 228,684 | $ 116,000 |
| Anaheim-Santa Ana-Irvine, CA | 18 | $ 15,790,000 | $ 877,222 | $ 383,000 |
| Lafayette, LA | 18 | $ 4,120,000 | $ 228,888 | $ 121,000 |
| Atlanta-Sandy Springs-Roswell, GA | 17 | $ 4,495,000 | $ 264,411 | $ 121,000 |
| Burlington-South Burlington, VT | 17 | $ 7,375,000 | $ 433,823 | $ 163,000 |
| Merced, CA | 16 | $ 4,860,000 | $ 303,750 | $ 104,000 |
| Paducah, KY-IL | 16 | $ 2,110,000 | $ 131,875 | $ 65,000 |
| Decatur, IL | 15 | $ 1,025,000 | $ 68,333 | $ 63,000 |
| Rockingham County-Strafford County, NH | 15 | $ 5,175,000 | $ 345,000 | $ 136,000 |
| Dayton-Springfield-Kettering, OH | 14 | $ 3,090,000 | $ 220,714 | $ 103,000 |
| Fresno, CA | 14 | $ 4,000,000 | $ 285,714 | $ 144,000 |
| Gulfport-Biloxi-Pascagoula, MS | 14 | $ 4,150,000 | $ 296,428 | $ 227,000 |
| Hammond, LA | 14 | $ 2,990,000 | $ 213,571 | $ 86,000 |
| St. Petersburg-Clearwater-Largo, FL | 14 | $ 7,190,000 | $ 513,571 | $ 222,000 |
| Elgin, IL | 13 | $ 4,245,000 | $ 326,538 | $ 140,000 |
| Killeen-Temple, TX | 13 | $ 3,615,000 | $ 278,076 | $ 113,000 |
| Marietta, GA | 13 | $ 3,905,000 | $ 300,384 | $ 146,000 |
| Bremerton-Silverdale, WA | 12 | $ 5,560,000 | $ 463,333 | $ 162,000 |
| Champaign-Urbana, IL | 12 | $ 2,050,000 | $ 170,833 | $ 81,000 |
| Midland, TX | 12 | $ 3,410,000 | $ 284,166 | $ 198,000 |
| Vallejo-Fairfield, CA | 12 | $ 4,630,000 | $ 385,833 | $ 116,000 |
| Worcester, MA-CT | 12 | $ 4,580,000 | $ 381,666 | $ 138,000 |
| Charlotte-Concord-Gastonia, NC-SC | 11 | $ 3,195,000 | $ 290,454 | $ 105,000 |
| Pocatello, ID | 11 | $ 2,745,000 | $ 249,545 | $ 94,000 |
| Portland-South Portland, ME | 11 | $ 6,675,000 | $ 606,818 | $ 258,000 |
| Billings, MT | 10 | $ 4,020,000 | $ 402,000 | $ 126,000 |
| Sandusky, OH | 10 | $ 1,800,000 | $ 180,000 | $ 79,000 |
| Santa Cruz-Watsonville, CA | 10 | $ 7,650,000 | $ 765,000 | $ 326,000 |
| Grand Junction, CO | 9 | $ 1,455,000 | $ 161,666 | $ 103,000 |
| Manchester-Nashua, NH | 9 | $ 3,565,000 | $ 396,111 | $ 197,000 |
| Mobile, AL | 9 | $ 1,495,000 | $ 166,111 | $ 132,000 |
| Olympia-Tumwater, WA | 9 | $ 3,725,000 | $ 413,888 | $ 150,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 9 | $ 5,305,000 | $ 589,444 | $ 282,000 |
| Springfield, OH | 9 | $ 1,195,000 | $ 132,777 | $ 80,000 |
| St. George, UT | 9 | $ 4,275,000 | $ 475,000 | $ 196,000 |
| Urban Honolulu, HI | 9 | $ 6,415,000 | $ 712,777 | $ 238,000 |
| Waco, TX | 9 | $ 1,955,000 | $ 217,222 | $ 97,000 |
| Baltimore-Columbia-Towson, MD | 8 | $ 2,070,000 | $ 258,750 | $ 132,000 |
| Beaumont-Port Arthur, TX | 8 | $ 1,800,000 | $ 225,000 | $ 119,000 |
| Charleston-North Charleston, SC | 8 | $ 3,200,000 | $ 400,000 | $ 181,000 |
| Corpus Christi, TX | 8 | $ 2,030,000 | $ 253,750 | $ 143,000 |
| Knoxville, TN | 8 | $ 3,550,000 | $ 443,750 | $ 164,000 |
| Napa, CA | 8 | $ 5,110,000 | $ 638,750 | $ 274,000 |
| Rockford, IL | 8 | $ 1,370,000 | $ 171,250 | $ 83,000 |
| Tampa, FL | 8 | $ 4,460,000 | $ 557,500 | $ 271,000 |
| Wheeling, WV-OH | 8 | $ 980,000 | $ 122,500 | $ 62,250 |
| Bakersfield, CA | 7 | $ 2,235,000 | $ 319,285 | $ 98,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 7 | $ 1,715,000 | $ 245,000 | $ 170,000 |
| Lake County-Kenosha County, IL-WI | 7 | $ 1,575,000 | $ 225,000 | $ 177,000 |
| Orlando-Kissimmee-Sanford, FL | 7 | $ 2,375,000 | $ 339,285 | $ 103,000 |
| San Rafael, CA | 7 | $ 4,985,000 | $ 712,142 | $ 269,000 |
| Toledo, OH | 7 | $ 855,000 | $ 122,142 | $ 90,000 |
| Wichita, KS | 7 | $ 1,655,000 | $ 236,428 | $ 117,000 |
| Arlington-Alexandria-Reston, VA-WV | 6 | $ 2,760,000 | $ 460,000 | $ 275,500 |
| Cape Coral-Fort Myers, FL | 6 | $ 2,150,000 | $ 358,333 | $ 108,000 |
| Coeur D'Alene, ID | 6 | $ 2,310,000 | $ 385,000 | $ 118,000 |
| Salt Lake City, UT | 6 | $ 4,350,000 | $ 725,000 | $ 277,000 |
| St. Joseph, MO-KS | 6 | $ 1,180,000 | $ 196,666 | $ 90,000 |
| Birmingham-Hoover, AL | 5 | $ 1,495,000 | $ 299,000 | $ 82,000 |
| Carson City, NV | 5 | $ 2,275,000 | $ 455,000 | $ 208,000 |
| College Station-Bryan, TX | 5 | $ 1,515,000 | $ 303,000 | $ 102,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 5 | $ 2,315,000 | $ 463,000 | $ 234,000 |
| Indianapolis-Carmel-Anderson, IN | 5 | $ 1,335,000 | $ 267,000 | $ 95,000 |
| Kahului-Wailuku-Lahaina, HI | 5 | $ 2,925,000 | $ 585,000 | $ 30,000 |
| Kenosha, WI | 5 | $ 1,205,000 | $ 241,000 | $ 77,000 |
| Lake County-Porter County-Jasper County, IN | 5 | $ 1,065,000 | $ 213,000 | $ 70,000 |
| Las Cruces, NM | 5 | $ 1,145,000 | $ 229,000 | $ 89,000 |
| Louisville/Jefferson County, KY-IN | 5 | $ 1,225,000 | $ 245,000 | $ 115,800 |
| Macon-Bibb County, GA | 5 | $ 705,000 | $ 141,000 | $ 57,000 |
| Milwaukee-Waukesha-West Allis, WI | 5 | $ 895,000 | $ 179,000 | $ 94,000 |
| Providence-Warwick, RI-MA | 5 | $ 1,585,000 | $ 317,000 | $ 138,400 |
| Pueblo, CO | 5 | $ 1,215,000 | $ 243,000 | $ 82,000 |
| Raleigh, NC | 5 | $ 1,255,000 | $ 251,000 | $ 156,000 |
| Tucson, AZ | 5 | $ 1,845,000 | $ 369,000 | $ 143,000 |
| Tyler, TX | 5 | $ 945,000 | $ 189,000 | $ 96,000 |
| Weirton-Steubenville, WV-OH | 5 | $ 725,000 | $ 145,000 | $ 42,400 |
| Wildwood-The Villages, FL | 5 | $ 1,615,000 | $ 323,000 | $ 137,000 |
| Asheville, NC | 4 | $ 870,000 | $ 217,500 | $ 173,000 |
| Columbia, SC | 4 | $ 1,130,000 | $ 282,500 | $ 101,000 |
| Grants Pass, OR | 4 | $ 1,620,000 | $ 405,000 | $ 131,000 |
| Greensboro-High Point, NC | 4 | $ 640,000 | $ 160,000 | $ 153,000 |
| Huntsville, AL | 4 | $ 910,000 | $ 227,500 | $ 120,000 |
| Lakeland-Winter Haven, FL | 4 | $ 1,070,000 | $ 267,500 | $ 97,000 |
| Lansing-East Lansing, MI | 4 | $ 620,000 | $ 155,000 | $ 207,000 |
| Laredo, TX | 4 | $ 660,000 | $ 165,000 | $ 75,000 |
| Madison, WI | 4 | $ 2,030,000 | $ 507,500 | $ 204,000 |
| Memphis, TN-MS-AR | 4 | $ 510,000 | $ 127,500 | $ 0 |
| Naples-Immokalee-Marco Island, FL | 4 | $ 3,800,000 | $ 950,000 | $ 486,000 |
| Ogden-Clearfield, UT | 4 | $ 2,810,000 | $ 702,500 | $ 199,000 |
| Oklahoma City, OK | 4 | $ 1,050,000 | $ 262,500 | $ 180,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 4 | $ 3,760,000 | $ 940,000 | $ 363,000 |
| Springfield, IL | 4 | $ 380,000 | $ 95,000 | $ 48,000 |
| St. Louis, MO-IL | 4 | $ 410,000 | $ 102,500 | $ 103,000 |
| Albuquerque, NM | 3 | $ 1,115,000 | $ 371,666 | $ 223,000 |
| Anniston-Oxford-Jacksonville, AL | 3 | $ 565,000 | $ 188,333 | $ 150,000 |
| Barnstable Town, MA | 3 | $ 985,000 | $ 328,333 | $ 271,000 |
| Bozeman, MT | 3 | $ 1,065,000 | $ 355,000 | $ 118,000 |
| Fayetteville, NC | 3 | $ 435,000 | $ 145,000 | $ 112,000 |
| Gadsden, AL | 3 | $ 305,000 | $ 101,666 | $ 45,000 |
| Jackson, TN | 3 | $ 705,000 | $ 235,000 | $ 80,000 |
| Little Rock-North Little Rock-Conway, AR | 3 | $ 665,000 | $ 221,666 | $ 87,000 |
| Longview, TX | 3 | $ 485,000 | $ 161,666 | $ 79,000 |
| Mansfield, OH | 3 | $ 635,000 | $ 211,666 | $ 119,000 |
| Michigan City-La Porte, IN | 3 | $ 715,000 | $ 238,333 | $ 143,000 |
| Pittsburgh, PA | 3 | $ 545,000 | $ 181,666 | $ 165,000 |
| Rochester, MN | 3 | $ 525,000 | $ 175,000 | $ 40,000 |
| Visalia-Porterville, CA | 3 | $ 775,000 | $ 258,333 | $ 91,000 |
| Walla Walla, WA | 3 | $ 1,105,000 | $ 368,333 | $ 141,000 |
| Warner Robins, GA | 3 | $ 545,000 | $ 181,666 | $ 101,000 |
| Winston-Salem, NC | 3 | $ 525,000 | $ 175,000 | $ 87,000 |
| Yuma, AZ | 3 | $ 865,000 | $ 288,333 | $ 1,015,000 |
| Abilene, TX | 2 | $ 320,000 | $ 160,000 | $ 77,000 |
| Bay City, MI | 2 | $ 330,000 | $ 165,000 | $ 48,000 |
| Chattanooga, TN-GA | 2 | $ 750,000 | $ 375,000 | $ 83,000 |
| Chico, CA | 2 | $ 630,000 | $ 315,000 | $ 70,000 |
| Columbia, MO | 2 | $ 390,000 | $ 195,000 | $ 84,000 |
| Crestview-Fort Walton Beach-Destin, FL | 2 | $ 970,000 | $ 485,000 | $ 275,000 |
| Dalton, GA | 2 | $ 450,000 | $ 225,000 | $ 67,000 |
| Detroit-Dearborn-Livonia, MI | 2 | $ 490,000 | $ 245,000 | $ 21,000 |
| Eau Claire, WI | 2 | $ 550,000 | $ 275,000 | $ 205,000 |
| El Centro, CA | 2 | $ 640,000 | $ 320,000 | $ 152,000 |
| Grand Rapids-Wyoming, MI | 2 | $ 410,000 | $ 205,000 | $ 55,000 |
| Jacksonville, FL | 2 | $ 890,000 | $ 445,000 | $ 53,000 |
| Kankakee, IL | 2 | $ 190,000 | $ 95,000 | $ 209,000 |
| La Crosse-Onalaska, WI-MN | 2 | $ 390,000 | $ 195,000 | $ 113,500 |
| Lake Havasu City-Kingman, AZ | 2 | $ 480,000 | $ 240,000 | $ 151,000 |
| Lima, OH | 2 | $ 440,000 | $ 220,000 | $ 107,000 |
| Lubbock, TX | 2 | $ 480,000 | $ 240,000 | $ 55,000 |
| Minot, ND | 2 | $ 390,000 | $ 195,000 | $ 68,000 |
| Redding, CA | 2 | $ 580,000 | $ 290,000 | $ 62,000 |
| Santa Maria-Santa Barbara, CA | 2 | $ 2,750,000 | $ 1,375,000 | $ 82,000 |
| Savannah, GA | 2 | $ 710,000 | $ 355,000 | $ 119,000 |
| Springfield, MO | 2 | $ 420,000 | $ 210,000 | $ 155,000 |
| Traverse City, MI | 2 | $ 1,500,000 | $ 750,000 | $ 338,000 |
| Valdosta, GA | 2 | $ 510,000 | $ 255,000 | $ 48,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 2 | $ 800,000 | $ 400,000 | $ 0 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 2 | $ 980,000 | $ 490,000 | $ 148,000 |
| Amarillo, TX | 1 | $ 245,000 | $ 245,000 | $ 289,000 |
| Appleton, WI | 1 | $ 355,000 | $ 355,000 | $ 113,000 |
| Athens-Clarke County, GA | 1 | $ 325,000 | $ 325,000 | $ 159,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 205,000 | $ 205,000 | $ 57,000 |
| Charlottesville, VA | 1 | $ 865,000 | $ 865,000 | $ 235,000 |
| Cheyenne, WY | 1 | $ 345,000 | $ 345,000 | $ 121,000 |
| Cleveland, TN | 1 | $ 315,000 | $ 315,000 | $ 103,000 |
| Columbus, IN | 1 | $ 275,000 | $ 275,000 | $ 107,000 |
| Davenport-Moline-Rock Island, IA-IL | 1 | $ 375,000 | $ 375,000 | $ 128,000 |
| Dothan, AL | 1 | $ 85,000 | $ 85,000 | $ 34,000 |
| Durham-Chapel Hill, NC | 1 | $ 465,000 | $ 465,000 | $ 146,000 |
| Eagle Pass, TX | 1 | $ 105,000 | $ 105,000 | $ 46,000 |
| Evansville, IN-KY | 1 | $ 105,000 | $ 105,000 | $ 271,000 |
| Gainesville, FL | 1 | $ 205,000 | $ 205,000 | $ 74,000 |
| Hagerstown-Martinsburg, MD-WV | 1 | $ 205,000 | $ 205,000 | $ 225,000 |
| Hattiesburg, MS | 1 | $ 35,000 | $ 35,000 | $ 24,000 |
| Homosassa Springs, FL | 1 | $ 165,000 | $ 165,000 | $ 62,000 |
| Jackson, MS | 1 | $ 305,000 | $ 305,000 | $ 129,000 |
| Johnson City, TN | 1 | $ 125,000 | $ 125,000 | $ 33,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 195,000 | $ 195,000 | $ 133,000 |
| Lafayette-West Lafayette, IN | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Lawrence, KS | 1 | $ 1,205,000 | $ 1,205,000 | $ 295,000 |
| Lewiston-Auburn, ME | 1 | $ 245,000 | $ 245,000 | $ 80,000 |
| Lexington-Fayette, KY | 1 | $ 995,000 | $ 995,000 | $ 495,000 |
| Lincoln, NE | 1 | $ 485,000 | $ 485,000 | $ 220,000 |
| Lynchburg, VA | 1 | $ 285,000 | $ 285,000 | $ 74,000 |
| Medford, OR | 1 | $ 445,000 | $ 445,000 | $ 188,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 1,005,000 | $ 1,005,000 | $ 287,000 |
| Monroe, LA | 1 | $ 275,000 | $ 275,000 | $ 112,000 |
| Montgomery, AL | 1 | $ 435,000 | $ 435,000 | $ 65,000 |
| Morgantown, WV | 1 | $ 205,000 | $ 205,000 | $ 298,000 |
| Mount Vernon-Anacortes, WA | 1 | $ 485,000 | $ 485,000 | $ 129,000 |
| New York-Jersey City-White Plains, NY-NJ | 1 | $ 725,000 | $ 725,000 | $ 273,000 |
| Niles-Benton Harbor, MI | 1 | $ 325,000 | $ 325,000 | $ 144,000 |
| Ocala, FL | 1 | $ 215,000 | $ 215,000 | $ 156,000 |
| Oshkosh-Neenah, WI | 1 | $ 115,000 | $ 115,000 | $ 10,000 |
| Panama City, FL | 1 | $ 605,000 | $ 605,000 | $ 155,000 |
| Philadelphia, PA | 1 | $ 165,000 | $ 165,000 | $ 120,000 |
| Provo-Orem, UT | 1 | $ 575,000 | $ 575,000 | $ 180,000 |
| Punta Gorda, FL | 1 | $ 235,000 | $ 235,000 | $ 0 |
| San Angelo, TX | 1 | $ 315,000 | $ 315,000 | $ 130,000 |
| Santa Fe, NM | 1 | $ 305,000 | $ 305,000 | $ 60,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 1 | $ 285,000 | $ 285,000 | $ 122,000 |
| Sebring, FL | 1 | $ 285,000 | $ 285,000 | $ 80,000 |
| Sherman-Denison, TX | 1 | $ 235,000 | $ 235,000 | $ 87,000 |
| Sierra Vista-Douglas, AZ | 1 | $ 125,000 | $ 125,000 | $ 27,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 165,000 | $ 165,000 | $ 48,000 |
| St. Cloud, MN | 1 | $ 155,000 | $ 155,000 | $ 75,000 |
| Tulsa, OK | 1 | $ 315,000 | $ 315,000 | $ 79,000 |
| Washington, DC-MD | 1 | $ 835,000 | $ 835,000 | $ 153,000 |
| Waterloo-Cedar Falls, IA | 1 | $ 115,000 | $ 115,000 | $ 54,000 |
| Wenatchee, WA | 1 | $ 355,000 | $ 355,000 | $ 85,000 |
| Wilmington, NC | 1 | $ 255,000 | $ 255,000 | $ 87,000 |
Mortgage Loan Application Detail Totals for Synergy One Lending, Inc. in 2025
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 9,580 | $3,212,890,000 | $335,000 | $4,005,000 | $143,000 | $6,561,000 |
| Cash-out Refinancing | 1,056 | $363,320,000 | $344,000 | $3,505,000 | $182,000 | $4,628,000 |
| Refinancing | 1,033 | $529,305,000 | $512,000 | $6,505,000 | $220,000 | $4,598,000 |
| Home Improvement | 72 | $21,060,000 | $292,000 | $1,125,000 | $171,000 | $840,000 |
| Other Purpose | 11 | $1,875,000 | $170,000 | $365,000 | $115,000 | $266,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 7,654 | $2,805,230,000 | $366,000 | $6,505,000 | $163,000 | $6,031,000 |
| Hispanic | 1,896 | $555,920,000 | $293,000 | $2,505,000 | $116,000 | $4,628,000 |
| Black or African American | 982 | $273,840,000 | $278,000 | $2,005,000 | $107,000 | $2,000,000 |
| Not Provided | 668 | $251,160,000 | $375,000 | $3,755,000 | $193,000 | $6,561,000 |
| Asian | 414 | $197,830,000 | $477,000 | $2,565,000 | $204,000 | $2,753,000 |
| American Indian or Alaskan Native | 118 | $36,730,000 | $311,000 | $2,125,000 | $125,000 | $722,000 |
| Native Hawaiian or Other Pacific Islander | 20 | $7,740,000 | $387,000 | $1,065,000 | $143,000 | $304,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 7,730 | $2,862,110,000 | $370,000 | $6,505,000 | $180,000 | $6,561,000 |
| FHA-insured (Federal Housing Administration) | 3,093 | $906,275,000 | $293,000 | $1,235,000 | $98,000 | $537,000 |
| VA-guaranteed (Veterans Administration) | 787 | $332,655,000 | $422,000 | $2,255,000 | $127,000 | $652,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 142 | $27,410,000 | $193,000 | $375,000 | $75,000 | $215,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 8,115 | $2,878,695,000 | $354,000 | $3,705,000 | $154,000 | $6,561,000 |
| Application Withdrawn By Applicant | 2,776 | $961,030,000 | $346,000 | $6,505,000 | $159,000 | $4,083,000 |
| Application Denied By Financial Institution | 708 | $232,700,000 | $328,000 | $3,755,000 | $133,000 | $4,598,000 |
| File Closed For Incompleteness | 99 | $39,125,000 | $395,000 | $3,005,000 | $135,000 | $775,000 |
| Application Approved But Not Accepted | 54 | $16,900,000 | $312,000 | $795,000 | $141,000 | $1,165,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 11,044 | $3,895,750,000 | $352,000 | $6,505,000 | $155,000 | $6,561,000 |
| Debt-To-Income Ratio | 236 | $80,760,000 | $342,000 | $1,865,000 | $102,000 | $810,000 |
| Collateral | 150 | $50,140,000 | $334,000 | $3,755,000 | $197,000 | $4,598,000 |
| Credit History | 99 | $26,635,000 | $269,000 | $2,225,000 | $117,000 | $626,000 |
| Other | 61 | $21,535,000 | $353,000 | $1,165,000 | $132,000 | $900,000 |
| Unverifiable Information | 51 | $18,025,000 | $353,000 | $1,995,000 | $141,000 | $1,145,000 |
| Credit Application Incomplete | 46 | $13,980,000 | $303,000 | $1,125,000 | $152,000 | $782,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 38 | $10,510,000 | $276,000 | $765,000 | $99,000 | $350,000 |
| Employment History | 27 | $11,115,000 | $411,000 | $1,445,000 | $106,000 | $459,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Synergy One Lending, Inc.'s 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Synergy One Lending, Inc.'s mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in California, download the full spreadsheet
with aggregated HMDA statistics today.
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