What loan types does Synergy One Lending offer?

Synergy One Lending 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 offer mortgages?

Synergy One Lending is a national lender offering mortgages in all 50 states plus Washington D.C.

How competitive are Synergy One Lending's mortgage rates?

Synergy One Lending 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?

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

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Synergy One Lending

Independent Mortgage Company•Wilmington, DEHQ•Direct•Reviews near you on Google

We analyzed every closed loan from Synergy One Lending — 4.7k loans across 7k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Acceptable

2/5

vs. all lenders

Pull-through

Strong

4/5

closing strength

Product

Exceptional

5/5

FHA · Conventional · VA · Jumbo · USDA

Place

Sound

3/5

National · 49 mkts

Awards

FHA

Superstar

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 performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Acceptable

+40.6 bps above market avg

Pull Through

Closing strength

Strong

Top 40% of lenders

By Loan Product· Specialization by type

Conventional

Strong

Top 40% of lenders

FHA

Exceptional

Top 20% of lenders

Strong

Top 40% of lenders

Jumbo

Exceptional

Top 20% of lenders

USDA

Sound

Top 60% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Exceptional

Top 20% of lenders

Refinance

Strong

Top 40% of lenders

By Location· Geographic coverage

Geographic Reach

National · 50 markets

Sound

Top 60% of lenders

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

Conventional

Overall

Sound

Product

Strong

Pricing

Acceptable

Pull Through

Strong

Volume3,002

Mix63.6%

Spread

+0.376%Above

Fees

$3,918Fees

FHA Loans

Overall

Sound

Product

Exceptional

Pricing

Acceptable

Pull Through

Strong

Volume1,175

Mix24.9%

Spread

+0.658%Above

Fees

$4,630Fees

VA Loans

Overall

Sound

Product

Strong

Pricing

Acceptable

Pull Through

Strong

Volume363

Mix7.7%

Spread

-0.233%Below

Fees

$3,892Fees

Jumbo Loans

Overall

Sound

Product

Exceptional

Pricing

Acceptable

Pull Through

Strong

Volume147

Mix3.1%

Spread

+0.560%Above

Fees

$2,387Fees

USDA Loans

Overall

Sound

Product

Sound

Pricing—

Pull Through

Sound

Volume32

Mix0.7%

Spread

+0.408%Above

Fees

$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

Purchase

Overall

Sound

Product

Exceptional

Pricing

Acceptable

Pull Through

Strong

Volume4,228

Mix89.6%

Spread

+0.414%Above

Fees

$4,065Fees

Refinance

Overall

Sound

Product

Strong

Pricing

Acceptable

Pull Through

Strong

Volume491

Mix10.4%

Spread

+0.341%Above

Fees

$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

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

Northeast4

CTMANJPA

Midwest11

IAILINKSMIMNMONEOHSDWI

South15

ALARFLGAKYLAMDMSNCOKSCTNTXVAWV

West13

AKAZCACOHIIDMTNMNVORUTWAWY

Top Metro Areas by Place Specialization Score

1© No machine-readable author provided. Owen assumed · Public domain

Salem, ORMetro

Volume 145Mix 3.07% of portfolio

87/100

Exceptional

2© Warren LeMay from Cincinnati, OH, United States · CC0

Cleveland, OHMetro

Volume 472Mix 10.00% of portfolio

85/100

Exceptional

3© Leonardo Pires · CC BY 2.0

Boise City, IDMetro

Volume 350Mix 7.42% of portfolio

81/100

Exceptional

4© w_lemay · CC BY-SA 2.0

Akron, OHMetro

Volume 172Mix 3.64% of portfolio

80/100

Exceptional

Modesto, CAMetro

Volume 113Mix 2.39% of portfolio

79/100

Strong

Longview, WAMetro

Volume 56Mix 1.19% of portfolio

79/100

Strong

Denver, COMetro

Volume 419Mix 8.88% of portfolio

79/100

Strong

Albany, ORMetro

Volume 32Mix 0.68% of portfolio

74/100

Strong

Salinas, CAMetro

Volume 58Mix 1.23% of portfolio

73/100

Strong

Houston, TXMetro

Volume 276Mix 5.85% of portfolio

72/100

Strong

Showing 10 of 49 metro areas

Top States by Place Specialization Score

OhioState

Volume 850Mix 18.01% of portfolio

80/100

Exceptional

IdahoState

Volume 482Mix 10.21% of portfolio

78/100

Strong

ColoradoState

Volume 552Mix 11.70% of portfolio

78/100

Strong

OregonState

Volume 309Mix 6.55% of portfolio

76/100

Strong

TexasState

Volume 721Mix 15.28% of portfolio

75/100

Strong

CaliforniaState

Volume 662Mix 14.03% of portfolio

72/100

Strong

WashingtonState

Volume 247Mix 5.23% of portfolio

71/100

Strong

MontanaState

Volume 82Mix 1.74% of portfolio

64/100

Strong

ArizonaState

Volume 116Mix 2.46% of portfolio

60/100

Strong

LouisianaState

Volume 82Mix 1.74% of portfolio

59/100

Sound

Showing 10 of 26 states

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts

Pricing

Rate and fee competitiveness (33%)

10/ 30 pts

Pull Through

Reliability in closing loans (33%)

10/ 30 pts

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 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

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.