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 score and performance metrics.

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 an overall pricing score of 20.1/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Synergy One Lending, Inc.?

Synergy One Lending, Inc. is a Independent Mortgage Company headquartered in Wilmington, DE.

Unclaimed

Synergy One Lending, Inc.

Independent Mortgage Company•Wilmington, DE•Direct to Consumer

We analyzed every closed loan from Synergy One Lending — 4.7k loans across 7k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.

Pricing

Acceptable

vs. all lenders

Pull Through

Strong

closing strength

Products

Exceptional

FHA · Conventional · VA · Jumbo · USDA

Place

Sound

National · 49 mkts

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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)

Explore another lender or local market

Report Card

Synergy One Lending, Inc. performance at a glance

Category	Score	vs. Peers
Overall Performance· Pricing & closing strength
Pricing Rate competitiveness	Acceptable	Near industry average +40.6 bps above market avg
Pull Through Closing strength	Strong	Highly Competitive Top 40% of lenders
By Loan Product· Specialization by type
Conventional	Strong	Highly Competitive Top 40% of lenders
FHA	Exceptional	Market Leader Top 20% of lenders
VA	Strong	Highly Competitive Top 40% of lenders
Jumbo	Exceptional	Market Leader Top 20% of lenders
USDA	Sound	Industry Standard Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase	Exceptional	Market Leader Top 20% of lenders
Refinance	Strong	Highly Competitive Top 40% of lenders
By Location· Geographic coverage
Geographic Reach Coverage footprint	Sound	Industry Standard Top 60% of lenders National50 markets

Loan Product Performance

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%Above	$3,918Fees
FHA Loans	Sound	Exceptional	Acceptable	Strong	1,175	24.9%	+0.658%Above	$4,630Fees
VA Loans	Sound	Strong	Acceptable	Strong	363	7.7%	-0.233%Below	$3,892Fees
Jumbo Loans	Sound	Exceptional	Acceptable	Strong	147	3.1%	+0.560%Above	$2,387Fees
USDA Loans	Sound	Sound	—	Sound	32	0.7%	+0.408%Above	$2,953Fees

Loan Purpose Performance

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%Above	$4,065Fees
Refinance	Sound	Strong	Acceptable	Strong	491	10.4%	+0.341%Above	$3,757Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

4,719

Applications

6,615

Volume

$1 billion

Pricing & Closing

Avg Rate Spread

+0.406%

vs. market APOR

Avg Net Fees

$4,033

Origination − Credits

Pullthrough Rate

71.3%

Applications → Closed

Typical Borrower

Avg Loan Amount

$394,866

Avg Borrower Income

$165,404

Avg Property Value

$513,298

Geographic Coverage

Geographic Performance

Metro Areas

States Served

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

Salem, OR, ORMSA

Volume: 145Mix: 3.07%of portfolio

Place

Exceptional

Cleveland, OH, OHMSA

Volume: 472Mix: 10.00%of portfolio

Place

Exceptional

Boise City, ID, IDMSA

Volume: 350Mix: 7.42%of portfolio

Place

Exceptional

Akron, OH, OHMSA

Volume: 172Mix: 3.64%of portfolio

Place

Exceptional

Modesto, CA, CAMSA

Volume: 113Mix: 2.39%of portfolio

Place

Strong

Longview, WAMSA

Volume: 56Mix: 1.19%of portfolio

Place

Strong

Denver, COMSA

Volume: 419Mix: 8.88%of portfolio

Place

Strong

Albany, OR, ORMSA

Volume: 32Mix: 0.68%of portfolio

Place

Strong

Salinas, CA, CAMSA

Volume: 58Mix: 1.23%of portfolio

Place

Strong

Houston, TXMSA

Volume: 276Mix: 5.85%of portfolio

Place

Strong

Showing 10 of 49 metro areas

Top States by Place Specialization Score

OHState

Volume: 850Mix: 18.01%of portfolio

Place

Exceptional

IDState

Volume: 482Mix: 10.21%of portfolio

Place

Strong

COState

Volume: 552Mix: 11.70%of portfolio

Place

Strong

ORState

Volume: 309Mix: 6.55%of portfolio

Place

Strong

TXState

Volume: 721Mix: 15.28%of portfolio

Place

Strong

CAState

Volume: 662Mix: 14.03%of portfolio

Place

Strong

WAState

Volume: 247Mix: 5.23%of portfolio

Place

Strong

MTState

Volume: 82Mix: 1.74%of portfolio

Place

Strong

AZState

Volume: 116Mix: 2.46%of portfolio

Place

Strong

LAState

Volume: 82Mix: 1.74%of portfolio

Place

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)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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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The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.