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Synergy One Lending, Inc.
Independent Mortgage Company|Wilmington, DE|National
Loans Originated
4,719
Applications
6,615
Volume
$1 billion
Offers loans directly to consumers
Overall Pricing
Acceptable
Overall Pull Through
Strong
Pricing and Pullthrough Overview
Average Rate Spread
+0.406%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$4,033
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
71.3%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo loans
- Nationwide availability with consistent service
Things to Think About
- Pricing may be below industry average
- Higher than average fees ($4,033)
Report Card
Synergy One Lending, Inc. performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Acceptable | Near industry average | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Exceptional | Market Leader | |
VA | Strong | Highly Competitive | |
Jumbo | Exceptional | Market Leader | |
USDA | Sound | Industry Standard | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Exceptional | Market Leader | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Sound | National · 50 metro areas · 43 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$394,866
Average Borrower Income
$165,404
Average Property Value
$513,298
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Strong | Acceptable | Strong | 3,002 | 63.6% | +0.376% | $3,918 |
FHA Loans | Sound | Exceptional | Acceptable | Strong | 1,175 | 24.9% | +0.658% | $4,630 |
VA Loans | Sound | Strong | Acceptable | Strong | 363 | 7.7% | -0.233% | $3,892 |
Jumbo Loans | Sound | Exceptional | Acceptable | Strong | 147 | 3.1% | +0.560% | $2,387 |
USDA Loans | Sound | Sound | N/A | Sound | 32 | 0.7% | +0.408% | $2,953 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Exceptional | Acceptable | Strong | 4,228 | 89.6% | +0.414% | $4,065 |
Refinance | Sound | Strong | Acceptable | Strong | 491 | 10.4% | +0.341% | $3,757 |
Geographic Coverage
Metro Areas
49
States Served
43
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
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Top Metro Areas by Place Specialization Score
1
Salem, OR, ORMSA
Volume: 145Mix: 3.07%
Place Specialization
Exceptional
2
Cleveland, OH, OHMSA
Volume: 472Mix: 10.00%
Place Specialization
Exceptional
3
Boise City, ID, IDMSA
Volume: 350Mix: 7.42%
Place Specialization
Exceptional
4
Akron, OH, OHMSA
Volume: 172Mix: 3.64%
Place Specialization
Exceptional
5
Modesto, CA, CAMSA
Volume: 113Mix: 2.39%
Place Specialization
Strong
6
Longview, WAMSA
Volume: 56Mix: 1.19%
Place Specialization
Strong
7
Denver, COMSA
Volume: 419Mix: 8.88%
Place Specialization
Strong
8
Albany, OR, ORMSA
Volume: 32Mix: 0.68%
Place Specialization
Strong
9
Salinas, CA, CAMSA
Volume: 58Mix: 1.23%
Place Specialization
Strong
10
Houston, TXMSA
Volume: 276Mix: 5.85%
Place Specialization
Strong
Showing 10 of 49 metro areas
Top States by Place Specialization Score
1
OHState
Volume: 850Mix: 18.01%
Place Specialization
Exceptional
2
IDState
Volume: 482Mix: 10.21%
Place Specialization
Strong
3
COState
Volume: 552Mix: 11.70%
Place Specialization
Strong
4
ORState
Volume: 309Mix: 6.55%
Place Specialization
Strong
5
TXState
Volume: 721Mix: 15.28%
Place Specialization
Strong
6
CAState
Volume: 662Mix: 14.03%
Place Specialization
Strong
7
WAState
Volume: 247Mix: 5.23%
Place Specialization
Strong
8
MTState
Volume: 82Mix: 1.74%
Place Specialization
Strong
9
AZState
Volume: 116Mix: 2.46%
Place Specialization
Strong
10
LAState
Volume: 82Mix: 1.74%
Place Specialization
Sound
Showing 10 of 26 states
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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