Lender in Illinois · HMDA 2025
Synergy One Lending, Inc. mortgages in Illinois
Synergy One Lending, Inc.'s 2025 home-purchase and refinance lending in Illinois, compared with all lenders in the state.
Synergy One Lending, Inc. originated 285 owner-occupied single-family loans in Illinois from 317 completed applications.
Its median conventional purchase loan costs were $5,420 versus $6,090 for all Illinois lenders, at a median 30-year fixed rate of 6.875% (Illinois: 6.625%).
Loans in IL
285
of 317 applications
Denial rate
7.8%
Purchase · IL 9.2%
Rate spread
+0.48 pts
Conv. · IL +0.27 pts
Loan amount
$185,000
Purchase · IL $275,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 294 | 271 | 7.8% | 6.875% | +0.48 pts | $5,420 | $185,000 |
| Refinance | 10 | 5 | — | — | — | — | — |
| Cash-out refinance | 13 | 9 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Illinois counties where Synergy One Lending, Inc. ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| McLean County | 6 | 71 | 3.2% |
| Logan County | 6 | 17 | 4.5% |
| De Witt County | 6 | 7 | 3.4% |
| Edwards County | 7 | 1 | 3.6% |
| Tazewell County | 11 | 33 | 1.9% |
| Peoria County | 12 | 22 | 1.0% |
| Woodford County | 12 | 9 | 1.7% |
| Marshall County | 14 | 3 | 1.7% |
| Union County | 17 | 1 | 0.9% |
| Livingston County | 22 | 5 | 1.0% |
- Synergy One Lending, Inc. nationwide
- Illinois 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 California
- Synergy One Lending, Inc. in Colorado
- Synergy One Lending, Inc. in Washington
- Synergy One Lending, Inc. in Oregon
- Synergy One Lending, Inc. in Idaho
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology