Synergy One Lending, Inc. (2025)

Official HMDA public records summary of residential mortgage lending for Synergy One Lending, Inc.. Review underwriting credit decisions, consumer product distribution, and national lending volume.

LEI: 2549004FXPNKCLIN8250 • Headquarters: San Diego, CA • Source: Federal Financial Institutions Examination Council (FFIEC) / Consumer Financial Protection Bureau (CFPB) • Methodology →
Lender Profile #96 of 2,712
6,753 Loans Originated
• 0.17% National Market Share
• $2.58 Billion Originated Volume
• $315,000 Median Loan
Actionable Applications 7,332 Decisioned (Actions 1–3)
Approval Rate 92.70% 92.70% of actionable
Denial Rate 7.30% 7.30% of actionable
Loan Originations 6,753 92.10% funded rate
Originated Volume $2.58 Billion Median: $315,000

Application Outcomes (2025)

Outcomes for 7,332 actionable applications (Actions 1, 2, and 3).

92.70%
7.30%
6,797 approved 535 denied
Action 1: Originated
6,753 (92.10%)
Action 2: Approved not accepted
44 (0.60%)
Action 3: Denied
535 (7.30%)
Action 4: Withdrawn (not in denominator)
2,149 —
Action 5: Incomplete (not in denominator)
75 —
How to read this: Approval rate uses Actions 1, 2, and 3. Actions 4 and 5 are excluded from the credit decision denominator. Read the full methodology →

How Synergy One Lending, Inc. Compares

Institution vs. National Baseline (2025)

Metric Synergy One Lending, Inc. U.S. National
Actionable Apps 7,332 5,197,320
Approval Rate 92.70% 82.12%
Denial Rate 7.30% 17.88%
Originations 6,753 4,052,301
Originated Volume $2.58 Billion $1.58 Trillion
Median Loan $315,000 $325,000
Compared against 5,197,320 national actionable applications across all lenders in 2025.

Loan Product Mix (2025)

Distribution across Conventional, FHA, VA, and USDA loan types

Loan Product Apps Originations Approval %
Conventional 4,242 3,998 94.67%
FHA 2,369 2,096 89.24%
VA 610 564 93.44%
USDA/RHS/FSA 111 95 87.39%

Regulatory & Corporate Profile

Official entity details from CFPB Transmittal Sheet

Legal Entity Identifier (ISO 17442 LEI) 2549004FXPNKCLIN8250
Reported Corporate Headquarters San Diego, CA
National Origination Rank Rank #96 by Action 1 Originations
Data Collection Basis Regulation C (12 CFR Part 1003) Annual LAR Submission
Lenders undergo structural changes, portfolio sales, or name updates over time. Multi-year comparisons track institutions strictly by LEI.

Methodology

Learn how HMDA credit outcomes, action codes, and consumer filters are computed.

Read Methodology →

Top 100 Lenders

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Download Data

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Methodology & Disclosures

Credit Decision Denominator Rule: Approval and denial rates are calculated strictly among actionable applications reaching a formal credit underwriting decision (Actions 1, 2, and 3: loan originated, approved but not accepted, denied). Applications withdrawn by borrower (Action 4) and closed for incompleteness (Action 5) are tracked in the broader Consumer Mortgage Universe for market completeness but excluded from credit decision rates as no underwriting decision occurred.

Official Data Source & Freeze Date: Official Home Mortgage Disclosure Act (HMDA) records published by the Federal Financial Institutions Examination Council (FFIEC) and Consumer Financial Protection Bureau (CFPB). Primary analysis uses the 2025 Snapshot National Loan-Level Dataset (frozen June 2, 2026); historical baseline uses the 2024 One-Year National Loan-Level Dataset (frozen June 2, 2026).

Public Interest Commitment: OpenFileData does not sell mortgage leads, lender placements, paid rankings, or individualized mortgage recommendations.

For complete technical formulas, SQL implementations, and data definitions, read the full Mortgage Lending Methodology Specification.