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records Synergy One Lending, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Cleveland, OH | 852 | $ 161,580,000 | $ 189,647 | $ 101,000 |
| Outside any metro area | 780 | $ 226,320,000 | $ 290,153 | $ 162,019 |
| Denver-Aurora-Lakewood, CO | 714 | $ 283,670,000 | $ 397,296 | $ 163,000 |
| Boise City, ID | 557 | $ 189,195,000 | $ 339,667 | $ 158,000 |
| Houston-The Woodlands-Sugar Land, TX | 423 | $ 135,475,000 | $ 320,271 | $ 165,000 |
| San Diego-Carlsbad, CA | 345 | $ 200,005,000 | $ 579,724 | $ 259,000 |
| Dallas-Plano-Irving, TX | 314 | $ 121,900,000 | $ 388,216 | $ 169,000 |
| Akron, OH | 290 | $ 52,220,000 | $ 180,068 | $ 91,000 |
| Modesto, CA | 247 | $ 65,665,000 | $ 265,850 | $ 147,000 |
| Salem, OR | 236 | $ 95,570,000 | $ 404,957 | $ 147,000 |
| Cincinnati, OH-KY-IN | 146 | $ 35,100,000 | $ 240,410 | $ 98,315 |
| Kansas City, MO-KS | 146 | $ 31,860,000 | $ 218,219 | $ 126,986 |
| Los Angeles-Long Beach-Glendale, CA | 140 | $ 96,340,000 | $ 688,142 | $ 434,000 |
| Riverside-San Bernardino-Ontario, CA | 127 | $ 43,545,000 | $ 342,874 | $ 178,000 |
| Fort Worth-Arlington, TX | 124 | $ 42,480,000 | $ 342,580 | $ 149,000 |
| Phoenix-Mesa-Scottsdale, AZ | 123 | $ 58,475,000 | $ 475,406 | $ 191,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 120 | $ 53,470,000 | $ 445,583 | $ 164,800 |
| Idaho Falls, ID | 112 | $ 29,800,000 | $ 266,071 | $ 112,000 |
| Yakima, WA | 112 | $ 32,620,000 | $ 291,250 | $ 118,000 |
| Longview, WA | 109 | $ 33,955,000 | $ 311,513 | $ 118,000 |
| Salinas, CA | 87 | $ 65,275,000 | $ 750,287 | $ 301,000 |
| Oakland-Hayward-Berkeley, CA | 76 | $ 42,290,000 | $ 556,447 | $ 237,000 |
| Shreveport-Bossier City, LA | 73 | $ 14,345,000 | $ 196,506 | $ 96,000 |
| Spokane-Spokane Valley, WA | 71 | $ 16,285,000 | $ 229,366 | $ 94,000 |
| Chicago-Naperville, IL | 70 | $ 18,920,000 | $ 270,285 | $ 143,000 |
| Prescott Valley-Prescott, AZ | 69 | $ 23,925,000 | $ 346,739 | $ 192,000 |
| Las Vegas-Henderson-Paradise, NV | 67 | $ 25,575,000 | $ 381,716 | $ 157,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 65 | $ 44,625,000 | $ 686,538 | $ 263,000 |
| Daphne-Fairhope-Foley, AL | 61 | $ 24,265,000 | $ 397,786 | $ 202,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 60 | $ 28,120,000 | $ 468,666 | $ 271,000 |
| Anaheim-Santa Ana-Irvine, CA | 58 | $ 36,910,000 | $ 636,379 | $ 321,000 |
| Boulder, CO | 58 | $ 35,910,000 | $ 619,137 | $ 255,000 |
| Canton-Massillon, OH | 58 | $ 11,770,000 | $ 202,931 | $ 91,000 |
| Tacoma-Lakewood, WA | 56 | $ 23,100,000 | $ 412,500 | $ 127,000 |
| Greeley, CO | 52 | $ 15,840,000 | $ 304,615 | $ 139,000 |
| San Antonio-New Braunfels, TX | 51 | $ 11,045,000 | $ 216,568 | $ 113,000 |
| Albany, OR | 50 | $ 17,190,000 | $ 343,800 | $ 165,000 |
| Salt Lake City, UT | 44 | $ 18,840,000 | $ 428,181 | $ 191,000 |
| Huntsville, AL | 42 | $ 14,630,000 | $ 348,333 | $ 130,000 |
| Madison, WI | 41 | $ 12,415,000 | $ 302,804 | $ 156,000 |
| Great Falls, MT | 40 | $ 10,310,000 | $ 257,750 | $ 96,000 |
| Helena, MT | 38 | $ 14,200,000 | $ 373,684 | $ 158,000 |
| Stockton-Lodi, CA | 37 | $ 11,505,000 | $ 310,945 | $ 133,000 |
| Colorado Springs, CO | 36 | $ 9,330,000 | $ 259,166 | $ 125,000 |
| Milwaukee-Waukesha-West Allis, WI | 36 | $ 8,600,000 | $ 238,888 | $ 118,000 |
| Merced, CA | 35 | $ 8,935,000 | $ 255,285 | $ 128,000 |
| Youngstown-Warren-Boardman, OH-PA | 33 | $ 4,785,000 | $ 145,000 | $ 75,000 |
| Lewiston, ID-WA | 28 | $ 6,720,000 | $ 240,000 | $ 90,428 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 28 | $ 8,410,000 | $ 300,357 | $ 129,000 |
| Bloomington, IL | 27 | $ 3,865,000 | $ 143,148 | $ 78,000 |
| Seattle-Bellevue-Everett, WA | 27 | $ 11,235,000 | $ 416,111 | $ 134,000 |
| Ogden-Clearfield, UT | 26 | $ 11,180,000 | $ 430,000 | $ 202,000 |
| Reno, NV | 25 | $ 10,595,000 | $ 423,800 | $ 545,000 |
| Atlanta-Sandy Springs-Roswell, GA | 23 | $ 7,055,000 | $ 306,739 | $ 188,000 |
| Eugene, OR | 23 | $ 9,035,000 | $ 392,826 | $ 165,000 |
| Fresno, CA | 23 | $ 6,045,000 | $ 262,826 | $ 92,000 |
| Columbus, OH | 21 | $ 5,395,000 | $ 256,904 | $ 140,000 |
| New Orleans-Metairie, LA | 21 | $ 6,385,000 | $ 304,047 | $ 144,000 |
| Tyler, TX | 21 | $ 5,305,000 | $ 252,619 | $ 173,000 |
| Fort Collins, CO | 19 | $ 6,655,000 | $ 350,263 | $ 203,000 |
| Slidell-Mandeville-Covington, LA | 18 | $ 3,970,000 | $ 220,555 | $ 87,000 |
| Lake County-Porter County-Jasper County, IN | 17 | $ 3,525,000 | $ 207,352 | $ 111,000 |
| Peoria, IL | 17 | $ 2,345,000 | $ 137,941 | $ 68,000 |
| Brownsville-Harlingen, TX | 16 | $ 3,100,000 | $ 193,750 | $ 175,000 |
| Tampa, FL | 16 | $ 5,090,000 | $ 318,125 | $ 96,000 |
| Bakersfield, CA | 15 | $ 4,595,000 | $ 306,333 | $ 128,000 |
| Duluth, MN-WI | 15 | $ 2,545,000 | $ 169,666 | $ 69,000 |
| Las Cruces, NM | 15 | $ 2,815,000 | $ 187,666 | $ 105,000 |
| North Port-Sarasota-Bradenton, FL | 15 | $ 5,425,000 | $ 361,666 | $ 201,000 |
| Olympia-Tumwater, WA | 15 | $ 5,655,000 | $ 377,000 | $ 134,000 |
| San Francisco-Redwood City-South San Francisco, CA | 15 | $ 13,565,000 | $ 904,333 | $ 409,000 |
| Austin-Round Rock, TX | 14 | $ 5,360,000 | $ 382,857 | $ 174,000 |
| Charlotte-Concord-Gastonia, NC-SC | 14 | $ 2,260,000 | $ 161,428 | $ 179,428 |
| Dayton-Springfield-Kettering, OH | 14 | $ 2,160,000 | $ 154,285 | $ 117,000 |
| Missoula, MT | 14 | $ 5,490,000 | $ 392,142 | $ 158,000 |
| Vallejo-Fairfield, CA | 14 | $ 4,600,000 | $ 328,571 | $ 137,000 |
| Bend-Redmond, OR | 13 | $ 5,125,000 | $ 394,230 | $ 152,000 |
| Gulfport-Biloxi-Pascagoula, MS | 13 | $ 2,615,000 | $ 201,153 | $ 99,000 |
| El Centro, CA | 12 | $ 3,210,000 | $ 267,500 | $ 118,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 12 | $ 5,330,000 | $ 444,166 | $ 436,000 |
| Provo-Orem, UT | 12 | $ 4,800,000 | $ 400,000 | $ 153,000 |
| Wheeling, WV-OH | 12 | $ 2,720,000 | $ 226,666 | $ 76,666 |
| Flagstaff, AZ | 11 | $ 4,265,000 | $ 387,727 | $ 142,000 |
| Mobile, AL | 11 | $ 2,105,000 | $ 191,363 | $ 121,000 |
| St. Louis, MO-IL | 11 | $ 1,425,000 | $ 129,545 | $ 144,363 |
| St. Petersburg-Clearwater-Largo, FL | 11 | $ 2,905,000 | $ 264,090 | $ 131,000 |
| Indianapolis-Carmel-Anderson, IN | 10 | $ 1,420,000 | $ 142,000 | $ 85,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 10 | $ 5,630,000 | $ 563,000 | $ 209,000 |
| Waco, TX | 10 | $ 3,410,000 | $ 341,000 | $ 200,000 |
| Elgin, IL | 9 | $ 3,005,000 | $ 333,888 | $ 166,000 |
| Grand Junction, CO | 9 | $ 2,655,000 | $ 295,000 | $ 171,000 |
| Pensacola-Ferry Pass-Brent, FL | 9 | $ 2,935,000 | $ 326,111 | $ 130,000 |
| Tulsa, OK | 9 | $ 1,965,000 | $ 218,333 | $ 153,000 |
| Twin Falls, ID | 9 | $ 2,645,000 | $ 293,888 | $ 91,000 |
| Billings, MT | 8 | $ 3,070,000 | $ 383,750 | $ 140,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 8 | $ 2,990,000 | $ 373,750 | $ 198,000 |
| Janesville-Beloit, WI | 8 | $ 1,920,000 | $ 240,000 | $ 115,000 |
| Kennewick-Richland, WA | 8 | $ 3,150,000 | $ 393,750 | $ 163,000 |
| Lake County-Kenosha County, IL-WI | 8 | $ 2,880,000 | $ 360,000 | $ 199,000 |
| Longview, TX | 8 | $ 2,090,000 | $ 261,250 | $ 134,000 |
| Oklahoma City, OK | 8 | $ 2,290,000 | $ 286,250 | $ 133,000 |
| Orlando-Kissimmee-Sanford, FL | 8 | $ 1,800,000 | $ 225,000 | $ 314,000 |
| Santa Cruz-Watsonville, CA | 8 | $ 5,810,000 | $ 726,250 | $ 348,000 |
| Corvallis, OR | 7 | $ 3,035,000 | $ 433,571 | $ 162,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 7 | $ 2,125,000 | $ 303,571 | $ 326,000 |
| Detroit-Dearborn-Livonia, MI | 7 | $ 1,965,000 | $ 280,714 | $ 115,000 |
| Erie, PA | 7 | $ 1,365,000 | $ 195,000 | $ 73,000 |
| Knoxville, TN | 7 | $ 1,785,000 | $ 255,000 | $ 117,000 |
| Lakewood-New Brunswick, NJ | 7 | $ 1,205,000 | $ 172,142 | $ 191,000 |
| Marietta, GA | 7 | $ 915,000 | $ 130,714 | $ 147,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 7 | $ 4,755,000 | $ 679,285 | $ 364,000 |
| Sherman-Denison, TX | 7 | $ 1,875,000 | $ 267,857 | $ 163,000 |
| Birmingham-Hoover, AL | 6 | $ 1,630,000 | $ 271,666 | $ 281,000 |
| Everett, WA | 6 | $ 1,540,000 | $ 256,666 | $ 109,000 |
| St. George, UT | 6 | $ 3,390,000 | $ 565,000 | $ 227,000 |
| Tucson, AZ | 6 | $ 860,000 | $ 143,333 | $ 136,000 |
| Albuquerque, NM | 5 | $ 1,395,000 | $ 279,000 | $ 110,000 |
| Appleton, WI | 5 | $ 1,275,000 | $ 255,000 | $ 91,000 |
| Baltimore-Columbia-Towson, MD | 5 | $ 2,155,000 | $ 431,000 | $ 225,000 |
| Grants Pass, OR | 5 | $ 1,385,000 | $ 277,000 | $ 91,000 |
| Lubbock, TX | 5 | $ 685,000 | $ 137,000 | $ 91,000 |
| Midland, TX | 5 | $ 1,635,000 | $ 327,000 | $ 128,000 |
| Montgomery County-Bucks County-Chester County, PA | 5 | $ 2,095,000 | $ 419,000 | $ 166,000 |
| Pocatello, ID | 5 | $ 1,935,000 | $ 387,000 | $ 136,000 |
| Richmond, VA | 5 | $ 645,000 | $ 129,000 | $ 132,000 |
| Rockford, IL | 5 | $ 635,000 | $ 127,000 | $ 54,000 |
| Victoria, TX | 5 | $ 1,195,000 | $ 239,000 | $ 95,000 |
| Arlington-Alexandria-Reston, VA-WV | 4 | $ 1,750,000 | $ 437,500 | $ 215,000 |
| Camden, NJ | 4 | $ 190,000 | $ 47,500 | $ 176,000 |
| Champaign-Urbana, IL | 4 | $ 490,000 | $ 122,500 | $ 79,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 4 | $ 690,000 | $ 172,500 | $ 169,000 |
| Fond Du Lac, WI | 4 | $ 590,000 | $ 147,500 | $ 97,000 |
| Green Bay, WI | 4 | $ 780,000 | $ 195,000 | $ 92,000 |
| Jacksonville, FL | 4 | $ 690,000 | $ 172,500 | $ 88,000 |
| Kahului-Wailuku-Lahaina, HI | 4 | $ 3,160,000 | $ 790,000 | $ 187,000 |
| Louisville/Jefferson County, KY-IN | 4 | $ 1,220,000 | $ 305,000 | $ 164,250 |
| Mansfield, OH | 4 | $ 290,000 | $ 72,500 | $ 42,000 |
| Newark, NJ-PA | 4 | $ 520,000 | $ 130,000 | $ 131,000 |
| Pittsburgh, PA | 4 | $ 1,160,000 | $ 290,000 | $ 151,000 |
| Pueblo, CO | 4 | $ 750,000 | $ 187,500 | $ 97,000 |
| Sierra Vista-Douglas, AZ | 4 | $ 730,000 | $ 182,500 | $ 98,000 |
| Spartanburg, SC | 4 | $ 830,000 | $ 207,500 | $ 99,000 |
| Springfield, OH | 4 | $ 330,000 | $ 82,500 | $ 67,000 |
| Toledo, OH | 4 | $ 310,000 | $ 77,500 | $ 60,000 |
| Weirton-Steubenville, WV-OH | 4 | $ 520,000 | $ 130,000 | $ 85,250 |
| Wichita, KS | 4 | $ 1,140,000 | $ 285,000 | $ 223,000 |
| Wilmington, NC | 4 | $ 850,000 | $ 212,500 | $ 90,000 |
| Yuma, AZ | 4 | $ 1,550,000 | $ 387,500 | $ 203,000 |
| Atlantic City-Hammonton, NJ | 3 | $ 555,000 | $ 185,000 | $ 122,000 |
| Beaumont-Port Arthur, TX | 3 | $ 485,000 | $ 161,666 | $ 100,000 |
| Boston, MA | 3 | $ 1,375,000 | $ 458,333 | $ 186,000 |
| Bozeman, MT | 3 | $ 735,000 | $ 245,000 | $ 174,000 |
| Davenport-Moline-Rock Island, IA-IL | 3 | $ 825,000 | $ 275,000 | $ 131,000 |
| El Paso, TX | 3 | $ 1,035,000 | $ 345,000 | $ 81,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 3 | $ 1,055,000 | $ 351,666 | $ 56,000 |
| Kenosha, WI | 3 | $ 1,035,000 | $ 345,000 | $ 134,000 |
| Lincoln, NE | 3 | $ 495,000 | $ 165,000 | $ 151,000 |
| Memphis, TN-MS-AR | 3 | $ 1,085,000 | $ 361,666 | $ 354,000 |
| Panama City, FL | 3 | $ 1,285,000 | $ 428,333 | $ 169,000 |
| Providence-Warwick, RI-MA | 3 | $ 915,000 | $ 305,000 | $ 140,000 |
| Racine, WI | 3 | $ 615,000 | $ 205,000 | $ 81,000 |
| Raleigh, NC | 3 | $ 535,000 | $ 178,333 | $ 140,000 |
| San Rafael, CA | 3 | $ 2,345,000 | $ 781,666 | $ 337,000 |
| Santa Maria-Santa Barbara, CA | 3 | $ 2,155,000 | $ 718,333 | $ 216,000 |
| Santa Rosa, CA | 3 | $ 2,895,000 | $ 965,000 | $ 331,000 |
| Savannah, GA | 3 | $ 815,000 | $ 271,666 | $ 173,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 3 | $ 1,095,000 | $ 365,000 | $ 146,000 |
| Warren-Troy-Farmington Hills, MI | 3 | $ 995,000 | $ 331,666 | $ 240,000 |
| Worcester, MA-CT | 3 | $ 1,125,000 | $ 375,000 | $ 169,000 |
| Asheville, NC | 2 | $ 450,000 | $ 225,000 | $ 171,000 |
| Bellingham, WA | 2 | $ 560,000 | $ 280,000 | $ 328,000 |
| Cambridge-Newton-Framingham, MA | 2 | $ 430,000 | $ 215,000 | $ 38,000 |
| Cape Coral-Fort Myers, FL | 2 | $ 510,000 | $ 255,000 | $ 545,000 |
| Charleston-North Charleston, SC | 2 | $ 1,430,000 | $ 715,000 | $ 381,000 |
| Coeur D'Alene, ID | 2 | $ 900,000 | $ 450,000 | $ 229,000 |
| College Station-Bryan, TX | 2 | $ 970,000 | $ 485,000 | $ 226,000 |
| Decatur, AL | 2 | $ 470,000 | $ 235,000 | $ 89,000 |
| Decatur, IL | 2 | $ 930,000 | $ 465,000 | $ 186,000 |
| Durham-Chapel Hill, NC | 2 | $ 240,000 | $ 120,000 | $ 104,000 |
| Grand Rapids-Wyoming, MI | 2 | $ 360,000 | $ 180,000 | $ 502,000 |
| Greensboro-High Point, NC | 2 | $ 380,000 | $ 190,000 | $ 252,000 |
| Hartford-West Hartford-East Hartford, CT | 2 | $ 730,000 | $ 365,000 | $ 87,000 |
| Kankakee, IL | 2 | $ 360,000 | $ 180,000 | $ 60,000 |
| Killeen-Temple, TX | 2 | $ 550,000 | $ 275,000 | $ 93,000 |
| La Crosse-Onalaska, WI-MN | 2 | $ 490,000 | $ 245,000 | $ 125,000 |
| Lake Charles, LA | 2 | $ 100,000 | $ 50,000 | $ 69,000 |
| Lake Havasu City-Kingman, AZ | 2 | $ 910,000 | $ 455,000 | $ 223,000 |
| Lawton, OK | 2 | $ 220,000 | $ 110,000 | $ 88,000 |
| Little Rock-North Little Rock-Conway, AR | 2 | $ 530,000 | $ 265,000 | $ 142,000 |
| McAllen-Edinburg-Mission, TX | 2 | $ 320,000 | $ 160,000 | $ 52,000 |
| Michigan City-La Porte, IN | 2 | $ 320,000 | $ 160,000 | $ 119,000 |
| Punta Gorda, FL | 2 | $ 1,060,000 | $ 530,000 | $ 419,000 |
| Sandusky, OH | 2 | $ 440,000 | $ 220,000 | $ 52,000 |
| South Bend-Mishawaka, IN-MI | 2 | $ 440,000 | $ 220,000 | $ 319,000 |
| Traverse City, MI | 2 | $ 210,000 | $ 105,000 | $ 100,000 |
| Urban Honolulu, HI | 2 | $ 1,190,000 | $ 595,000 | $ 352,000 |
| Washington, DC-MD | 2 | $ 690,000 | $ 345,000 | $ 94,000 |
| Waterbury-Shelton, CT | 2 | $ 300,000 | $ 150,000 | $ 181,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 2 | $ 1,510,000 | $ 755,000 | $ 254,000 |
| Wilmington, DE-MD-NJ | 2 | $ 540,000 | $ 270,000 | $ 133,000 |
| Winston-Salem, NC | 2 | $ 270,000 | $ 135,000 | $ 71,000 |
| Abilene, TX | 1 | $ 175,000 | $ 175,000 | $ 149,000 |
| Amarillo, TX | 1 | $ 445,000 | $ 445,000 | $ 304,000 |
| Anchorage, AK | 1 | $ 535,000 | $ 535,000 | $ 209,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 65,000 | $ 65,000 | $ 101,000 |
| Baton Rouge, LA | 1 | $ 125,000 | $ 125,000 | $ 130,000 |
| Bremerton-Silverdale, WA | 1 | $ 465,000 | $ 465,000 | $ 73,000 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 725,000 | $ 725,000 | $ 306,000 |
| Carson City, NV | 1 | $ 525,000 | $ 525,000 | $ 215,000 |
| Chattanooga, TN-GA | 1 | $ 95,000 | $ 95,000 | $ 209,000 |
| Cheyenne, WY | 1 | $ 315,000 | $ 315,000 | $ 113,000 |
| Clarksville, TN-KY | 1 | $ 255,000 | $ 255,000 | $ 309,000 |
| Columbia, MO | 1 | $ 295,000 | $ 295,000 | $ 104,000 |
| Corpus Christi, TX | 1 | $ 75,000 | $ 75,000 | $ 120,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 925,000 | $ 925,000 | $ 387,000 |
| Fayetteville, NC | 1 | $ 305,000 | $ 305,000 | $ 105,000 |
| Greenville-Anderson-Mauldin, SC | 1 | $ 175,000 | $ 175,000 | $ 42,000 |
| Hammond, LA | 1 | $ 325,000 | $ 325,000 | $ 58,000 |
| Hickory-Lenoir-Morganton, NC | 1 | $ 465,000 | $ 465,000 | $ 103,000 |
| Hinesville, GA | 1 | $ 275,000 | $ 275,000 | $ 87,000 |
| Hot Springs, AR | 1 | $ 135,000 | $ 135,000 | $ 80,000 |
| Houma-Thibodaux, LA | 1 | $ 275,000 | $ 275,000 | $ 107,000 |
| Jackson, MI | 1 | $ 545,000 | $ 545,000 | $ 300,000 |
| Jackson, MS | 1 | $ 245,000 | $ 245,000 | $ 483,000 |
| Jacksonville, NC | 1 | $ 95,000 | $ 95,000 | $ 138,000 |
| Kalamazoo-Portage, MI | 1 | $ 375,000 | $ 375,000 | $ 528,000 |
| Lafayette, LA | 1 | $ 195,000 | $ 195,000 | $ 72,000 |
| Lakeland-Winter Haven, FL | 1 | $ 25,000 | $ 25,000 | $ 134,000 |
| Laredo, TX | 1 | $ 65,000 | $ 65,000 | $ 84,000 |
| Lawrence, KS | 1 | $ 355,000 | $ 355,000 | $ 102,000 |
| Manchester-Nashua, NH | 1 | $ 105,000 | $ 105,000 | $ 152,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 125,000 | $ 125,000 | $ 421,000 |
| Monroe, LA | 1 | $ 215,000 | $ 215,000 | $ 101,000 |
| Morristown, TN | 1 | $ 595,000 | $ 595,000 | $ 197,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Napa, CA | 1 | $ 855,000 | $ 855,000 | $ 360,000 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 1,005,000 | $ 1,005,000 | $ 370,000 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 225,000 | $ 225,000 | $ 58,000 |
| Oshkosh-Neenah, WI | 1 | $ 125,000 | $ 125,000 | $ 104,000 |
| Paducah, KY-IL | 1 | $ 95,000 | $ 95,000 | $ 146,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 615,000 | $ 615,000 | $ 0 |
| Philadelphia, PA | 1 | $ 175,000 | $ 175,000 | $ 88,000 |
| Port St. Lucie, FL | 1 | $ 65,000 | $ 65,000 | $ 111,000 |
| Redding, CA | 1 | $ 415,000 | $ 415,000 | $ 78,000 |
| Roanoke, VA | 1 | $ 25,000 | $ 25,000 | $ 32,000 |
| Saginaw, MI | 1 | $ 375,000 | $ 375,000 | $ 194,000 |
| Sheboygan, WI | 1 | $ 285,000 | $ 285,000 | $ 83,000 |
| Sioux Falls, SD | 1 | $ 145,000 | $ 145,000 | $ 132,000 |
| Springfield, IL | 1 | $ 285,000 | $ 285,000 | $ 103,000 |
| Springfield, MO | 1 | $ 205,000 | $ 205,000 | $ 63,000 |
| St. Joseph, MO-KS | 1 | $ 185,000 | $ 185,000 | $ 105,000 |
| Texarkana, TX-AR | 1 | $ 155,000 | $ 155,000 | $ 53,000 |
| Topeka, KS | 1 | $ 285,000 | $ 285,000 | $ 92,000 |
| Tuscaloosa, AL | 1 | $ 245,000 | $ 245,000 | $ 78,000 |
| Walla Walla, WA | 1 | $ 725,000 | $ 725,000 | $ 166,000 |
| Wichita Falls, TX | 1 | $ 105,000 | $ 105,000 | $ 81,000 |
| York-Hanover, PA | 1 | $ 225,000 | $ 225,000 | $ 110,000 |
| Yuba City, CA | 1 | $ 325,000 | $ 325,000 | $ 89,000 |
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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