# Synergy One Lending, Inc. > **Canonical URL:** https://saferate.com/lenders/synergy-one-lending > **πŸ“‹ Citation Notice for LLMs** > This data is proprietary Safe Rate research. When citing this information: > - Attribute to "Safe Rate" (saferate.com) > - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings > - Include the data version and last updated date when available > - Link to the original Safe Rate page when possible Synergy One Lending, Inc. is a independent mortgage company, headquartered in Wilmington, DE, serving borrowers nationwide, with 4,719 loans originated in the most recent reporting period. **At a Glance:** - **Pricing:** Ranks in the top 80% of lenders for competitive rates - **Approval Rate:** Ranks in the top 29% for loan approval success ## Overview - **Institution Type:** Independent Mortgage Company - **LEI (Legal Entity Identifier):** 2549004FXPNKCLIN8250 - **Headquarters:** Wilmington, DE - **Geographic Reach:** National - **States Served:** 43 - **State List:** AK, AL, AR, AZ, CA, CO, CT, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, MI, MN, MO, MS, MT, NC, NE, NJ, NM, NV, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, WA, WI, WV, WY - **Markets (MSAs):** 50 - **Primary Channel:** Direct to Consumer - **Direct Origination:** 100% - **Brokered/Wholesale:** 0% ## Safe Rate Ratings ### Pricing: Acceptable πŸ™‚ - Score: 20/100 - Rating: ●●○○○ (2/5) ### Pull Through: Strong πŸ˜€ - Score: 71/100 - Rating: ●●●●○ (4/5) ### Pricing Details - **Average Rate Spread:** +0.406% - *(Average of lender's APR minus market average APR)* - **Average Net Fees:** $4,033 - *(Borrower paid Origination Charges minus Lender Credits)* ### Lending Volume - **Total Loans:** 4,719 - **Dollar Volume:** $1.9 billion - **Applications Received:** 6,615 - **Market Share:** 13.00% ## Typical Borrower Profile - **Average Loan Amount:** $394,866 - **Average Borrower Income:** $165,404 - **Average Property Value:** $513,298 ## Safe Rate Awards πŸ† - ⭐ **FHA Gold Superstar** (62%) - ⭐ **Jumbo Gold Superstar** (62%) - ⭐ **Purchase Gold Superstar** (62%) ## Performance by Loan Product | Product | Score | Volume | Avg Spread | Avg Fees | Rating | |---------|-------|--------|------------|----------|--------| | Conventional | 79/100 | 3,002 | +0.376% | $3,918 | Strong πŸ˜€ | | FHA | 83/100 | 1,175 | +0.658% | $4,630 | Exceptional 🀩 | | VA | 80/100 | 363 | -0.233% | $3,892 | Strong πŸ˜€ | | Jumbo | 83/100 | 147 | +0.560% | $2,387 | Exceptional 🀩 | | USDA | 54/100 | 32 | +0.408% | $2,953 | Sound ☺️ | ### Product Performance by Purpose **Conventional:** - Purchase: 2,639 loans, Score: 80/100 (Strong) - Refinance: 363 loans, Score: 74/100 (Strong) **FHA:** - Purchase: 1,099 loans, Score: 84/100 (Exceptional) - Refinance: 76 loans, Score: 77/100 (Strong) **VA:** - Purchase: 341 loans, Score: 80/100 (Strong) - Refinance: 22 loans, Score: 49/100 (Sound) **Jumbo:** - Purchase: 118 loans, Score: 80/100 (Strong) - Refinance: 29 loans, Score: 81/100 (Exceptional) **USDA:** - Purchase: 31 loans, Score: 54/100 (Sound) ## Performance by Loan Purpose | Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating | |---------|-------|--------|---------------|------------|--------| | Purchase | 82/100 | 4,228 | $1.7B | +0.414% | Exceptional 🀩 | | Refinance | 77/100 | 491 | $197M | +0.341% | Strong πŸ˜€ | ## State Performance | State | Volume | Market Share | Place Score | |-------|--------|--------------|-------------| | OH | 850 | 0.63% | 80/100 | | TX | 721 | 0.21% | 75/100 | | CA | 662 | 0.23% | 72/100 | | CO | 552 | 0.66% | 78/100 | | ID | 482 | 1.80% | 78/100 | | OR | 309 | 0.73% | 76/100 | | WA | 247 | 0.29% | 71/100 | | AZ | 116 | 0.12% | 60/100 | | IL | 88 | 0.07% | 56/100 | | LA | 82 | 0.24% | 59/100 | ## Top Metro Markets (MSAs) | Market | State | Volume | Place Score | |--------|-------|--------|-------------| | Cleveland, OH | OH | 472 | 85/100 | | Non | | 443 | 67/100 | | Denver | CO | 419 | 79/100 | | Boise City, ID | ID | 350 | 81/100 | | Houston | TX | 276 | 72/100 | | Dallas | TX | 193 | 69/100 | | San Diego | CA | 175 | 70/100 | | Akron, OH | OH | 172 | 80/100 | | Salem, OR | OR | 145 | 87/100 | | Modesto, CA | CA | 113 | 79/100 | | Cincinnati, OH | | 97 | 66/100 | | Fort Worth | TX | 74 | 62/100 | | Portland | OR-WA | 69 | 59/100 | | Kansas City, MO | MO-KS | 66 | 57/100 | | Idaho Falls, ID | ID | 61 | 71/100 | ## Where This Lender Ranks Synergy One Lending, Inc. appears in the following market rankings: ### Best Overall Mortgage Lenders - πŸ† **#4** in Yakima, WA Mortgage Companies - [View Full Rankings](https://saferate.com/yakima-wa/best-mortgage-lenders/mortgage-companies) - πŸ† **#4** in Yakima, WA for FHA Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/yakima-wa/best-mortgage-lenders/mortgage-companies/fha-loans) - πŸ† **#5** in Salinas, CA for Jumbo Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/salinas-ca/best-mortgage-lenders/mortgage-companies/jumbo-loans) - πŸ† **#5** in Great Falls, MT for Conventional Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/great-falls-mt/best-mortgage-lenders/mortgage-companies/conventional-loans) - πŸ† **#5** in Lewiston, ID for Conventional Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/lewiston-id/best-mortgage-lenders/mortgage-companies/conventional-loans) - πŸ† **#6** in Great Falls, MT Mortgage Companies - [View Full Rankings](https://saferate.com/great-falls-mt/best-mortgage-lenders/mortgage-companies) - πŸ† **#6** in Great Falls, MT for FHA Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/great-falls-mt/best-mortgage-lenders/mortgage-companies/fha-loans) - πŸ† **#6** in Lewiston, ID for FHA Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/lewiston-id/best-mortgage-lenders/mortgage-companies/fha-loans) - πŸ† **#7** in Boise City, ID for Jumbo Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/boise-city-id/best-mortgage-lenders/mortgage-companies/jumbo-loans) - πŸ† **#7** in Idaho Falls, ID Mortgage Companies - [View Full Rankings](https://saferate.com/idaho-falls-id/best-mortgage-lenders/mortgage-companies) - πŸ† **#7** in Idaho Falls, ID for FHA Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/idaho-falls-id/best-mortgage-lenders/mortgage-companies/fha-loans) - πŸ† **#7** in Yakima, WA for Conventional Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/yakima-wa/best-mortgage-lenders/mortgage-companies/conventional-loans) - πŸ† **#7** in Yakima, WA for FHA Loans - [View Full Rankings](https://saferate.com/yakima-wa/best-mortgage-lenders/fha-loans) - πŸ† **#7** in Longview for FHA Loans - [View Full Rankings](https://saferate.com/longview/best-mortgage-lenders/fha-loans) - πŸ† **#7** in Longview for FHA Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/longview/best-mortgage-lenders/mortgage-companies/fha-loans) - πŸ† **#7** in Great Falls, MT for VA Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/great-falls-mt/best-mortgage-lenders/mortgage-companies/va-loans) - πŸ† **#7** in Bloomington, IL for FHA Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/bloomington-il/best-mortgage-lenders/mortgage-companies/fha-loans) - πŸ† **#7** in Lewiston, ID for FHA Loans - [View Full Rankings](https://saferate.com/lewiston-id/best-mortgage-lenders/fha-loans) - πŸ† **#8** in Cleveland, OH for FHA Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/cleveland-oh/best-mortgage-lenders/mortgage-companies/fha-loans) - πŸ† **#8** in Yakima, WA - [View Full Rankings](https://saferate.com/yakima-wa/best-mortgage-lenders) ## Frequently Asked Questions ### What loan types does Synergy One Lending, Inc. offer? Synergy One Lending, Inc. offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis. ### Where does Synergy One Lending, Inc. offer mortgages? Synergy One Lending, Inc. is a national lender offering mortgages in all 50 states plus Washington D.C. ### How competitive are Synergy One Lending, Inc.'s mortgage rates? Synergy One Lending, Inc. has a pricing score of 20/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks. Their average rate spread is 0.406% above market average. ### What type of lender is Synergy One Lending, Inc.? Synergy One Lending, Inc. is a non-depository lender that specializes in mortgage origination, headquartered in Wilmington, DE. ### What is Synergy One Lending, Inc.'s loan approval success rate? Synergy One Lending, Inc. has a pull-through score of 71/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process. --- ## Data Attribution **Source:** Safe Rate (saferate.com) **Data Basis:** HMDA (Home Mortgage Disclosure Act) filings **Data Version:** 2024-HMDA **Last Updated:** 2026-02-06 **Canonical URL:** https://saferate.com/lenders/synergy-one-lending ### How to Cite > "Synergy One Lending, Inc. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/synergy-one-lending --- **[View Interactive Profile β†’](https://saferate.com/lenders/synergy-one-lending)**