# Synergy One Lending, Inc.

> **Canonical URL:** https://saferate.com/lenders/synergy-one-lending

> **📋 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 🙂
- Score: 20/100
- Rating: ●●○○○ (2/5)

### Pull Through: Strong 😀
- 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

## Safe Rate Awards 🏆

- ⭐ **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 😀 |
| FHA | 83/100 | 1,175 | +0.658% | $4,630 | Exceptional 🤩 |
| VA | 80/100 | 363 | -0.233% | $3,892 | Strong 😀 |
| 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 😀 |

## 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 |

## 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.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-05-29
**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

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