Synergy One Lending, Inc. reported 238 applications for homes in Arizona in the HMDA data of 2025.
It originated 152 loans in the state in 2025, for $68.6 million in total.
The median interest rate of these loans in 2025 was 6.625%, and the median of all lenders in Arizona was 6.250%.
The median total loan costs in 2025 were $8,595, and the state median was $7,472.
It denied 9.5% of the applications that it decided in the state in 2025, and the state denial rate was 20.4%.
Filed figures of Synergy One Lending, Inc. in Arizona, 2025
Figure
In AZ
Lender, all states
AZ, all lenders
Applications
238
11,752
309,156
Loans originated
152
8,115
183,878
Median interest rate
6.625%
6.625%
6.250%
Median total loan costs
$8,595
$7,829
$7,472
Denial rate
9.5%
8.0%
20.4%
HMDA data are generally not used alone to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions.
Pricing medians of Synergy One Lending, Inc. in Arizona, 2025Each value has the median of all lenders in Arizona under it.
Loans
Loans in the medians
Interest rate
Total loan costs
Origination charges
Discount points, of the loans with points
Lender credits, of the loans with credits
Rate spread, points
All loans in AZ
136
6.625%AZ 6.250%
$8,595AZ $7,472
$4,346AZ $2,408
$3,352AZ $3,750
$422AZ $633
0.388AZ 0.099
Medians are for originated closed-end loans with a first lien. Reverse mortgages, open-end lines of credit and loans for a business purpose are not in the medians. A median needs 20 loans.
The median rate spread was 0.388 percentage points above the average prime offer rate. On a loan of $300,000, that is about $1,164 more a year, or $97 more a month.
The dollar amount is a simple interest approximation: the rate spread times the full loan amount for one year. The balance of a loan decreases with each payment, and an APR includes some fees, so the amount for a real loan is different.
Federal Financial Institutions Examination Council and Consumer Financial Protection Bureau, Home Mortgage Disclosure Act data, 2025
Data date
HMDA year . Page made .
Provenance
The figures come from the public HMDA loan/application register of 2022 to 2025. They are the records of this LEI for homes in Arizona. This site withholds a figure with fewer than 25 applications. Method of the figures. Terms. Report an error.
Questions
What share of the loans of Synergy One Lending, Inc. were in Arizona in 2025?
152 of its loans originated, out of 8,115 in all states. That is 1.9%.
In which counties of Arizona did Synergy One Lending, Inc. originate the most loans in 2025?
The three with the most loans were Maricopa County (75) and Yavapai County (41).
Which loan types did Synergy One Lending, Inc. originate in Arizona in 2025?
116 conventional, 22 FHA, 13 VA and 1 USDA.
How did the applications of Synergy One Lending, Inc. in Arizona change from 2022 to 2025?
It reported 250 applications in 2022 and 238 in 2025.