Lender in California · HMDA 2025
Synergy One Lending, Inc. mortgages in California
Synergy One Lending, Inc.'s 2025 home-purchase and refinance lending in California, compared with all lenders in the state.
Synergy One Lending, Inc. originated 613 owner-occupied single-family loans in California from 640 completed applications.
Its median conventional purchase loan costs were $8,280 versus $7,920 for all California lenders, at a median 30-year fixed rate of 6.75% (California: 6.625%).
Loans in CA
613
of 640 applications
Denial rate
2.1%
Purchase · CA 8.9%
Rate spread
+0.27 pts
Conv. · CA +0.09 pts
Loan amount
$605,000
Purchase · CA $575,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 485 | 469 | 2.1% | 6.750% | +0.27 pts | $8,280 | $605,000 |
| Refinance | 110 | 103 | 4.5% | 6.500% | +0.14 pts | $5,000 | $735,000 |
| Cash-out refinance | 45 | 41 | 6.7% | 6.750% | +0.47 pts | $5,860 | $515,000 |
*Conventional loans only; medians with at least 20 loans.
California counties where Synergy One Lending, Inc. ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Sonoma County | 13 | 72 | 1.8% |
| Monterey County | 13 | 38 | 1.7% |
| Nevada County | 14 | 16 | 1.2% |
| Stanislaus County | 16 | 74 | 1.6% |
| Del Norte County | 17 | 1 | 0.6% |
| Mariposa County | 24 | 1 | 0.7% |
- Synergy One Lending, Inc. nationwide
- California mortgage market
- Synergy One Lending, Inc. in Texas
- Synergy One Lending, Inc. in Ohio
- Synergy One Lending, Inc. in Louisiana
- Synergy One Lending, Inc. in Colorado
- Synergy One Lending, Inc. in Washington
- Synergy One Lending, Inc. in Oregon
- Synergy One Lending, Inc. in Idaho
- Synergy One Lending, Inc. in Illinois
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology