Synergy One Lending, Inc.
Synergy One Lending, Inc. reported 11,752 mortgage applications for 2025, according to the CFPB.
11,752 mortgage applications and 8,115 loans originated in 2025; the denial rate was 8.0% of 8,877 applications decided. It has no RSSD in the 2023 reporter panel. From 2025, the CFPB’s Snapshot release.
- 11,752
- Applications
- 8,115
- Loans originated
- 8.0%
- Denial rate
- 708 denied of 8,877 applications decided.
Every year it reported
2 more columns on a wider screen
| Year | Name that year | Applications |
|---|---|---|
| 2025 | Synergy One Lending, Inc. | 11,752 |
| 2024 | Synergy One Lending, Inc. | 8,712 |
| 2023 | Synergy One Lending | 6,102 |
| 2022 | Synergy One Lending | 11,157 |
| 2021 | Synergy One Lending | 15,853 |
| 2020 | S1L Inc | 8,662 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 123 | 15.5% of 97 decided |
| Asian | 385 | 9.7% of 268 decided |
| Black or African American | 960 | 13.6% of 708 decided |
| Native Hawaiian or Other Pacific Islander | withheld | |
| White | 9,090 | 7.1% of 6,985 decided |
| 2 or more minority races | 25 | no rate: base under 50 |
| Joint | 329 | 5.1% of 256 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 821 | 10.8% of 530 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 1,702 | 11.2% of 1,246 decided |
| Not Hispanic or Latino | 8,782 | 7.3% of 6,750 decided |
| Joint | withheld | |
| Ethnicity Not Available | 830 | 8.7% of 551 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 4,384 | 8.6% of 3,313 decided |
| Female | 2,681 | 8.0% of 1,999 decided |
| Joint | 4,404 | 7.3% of 3,382 decided |
| Sex Not Available | 283 | 7.6% of 183 decided |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved