Lenders › Synergy One Lending, Inc. › California
Synergy One Lending, Inc. in California
HMDA record for properties in California, calendar year 2024. National record · California overview
HMDA data alone cannot be used 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. Cells under 25 applications are withheld.
In California, Synergy One Lending, Inc. reported 1,433 applications and 901 originations for 2024, $473m in all.
Its denial rate in the state was 11.1%, below the California rate of 24.8% across all lenders and compared with the lender's national rate of 9.2%.
The median rate spread on its California originations was 0.5 percentage points (state median 0.4).
Applications in the state were down 15% on 2023.
Compared with the state and the lender's national record
| Measure | In California | California, all lenders | Synergy One Lending, Inc., all states | United States |
|---|---|---|---|---|
| Denial rate | 11.1% | 24.8% | 9.2% | 24.3% |
| Median rate spread, pp | 0.5 | 0.4 | 0.4 | 0.3 |
| Originations with spread of 1.5 pp or more | 17.2% | 19.9% | 12.6% | 15.6% |
| Average originated loan | $526k | $566k | $343k | $329k |
| Home purchase share | 69.9% | 51.2% | 82.6% | 57.0% |
| FHA-insured share | 11.7% | 11.4% | 20.9% | 13.4% |
| VA-guaranteed share | 4.2% | 4.8% | 6.7% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateCalifornia, all lenders
Loan purpose and loan type in California
By purpose
Home purchase 70% (630)Home improvement 5% (43)Refinancing 5% (47)Cash-out refinancing 13% (116)Other purpose 7% (65)
By type
Conventional 84% (757)FHA 12% (105)VA 4% (38)USDA 0% (1)
Denial reasons as coded
Share of 119 denials in California by first denial reason coded (outlined bar: all lenders in the state).
Counties in California
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| San Diego County | 345 | 221 | $144m | 10.4% |
| Stanislaus County | 247 | 169 | $47m | 9.9% |
| Los Angeles County | 140 | 67 | $43m | 19.5% |
| Monterey County | 87 | 65 | $52m | 7.0% |
| Santa Clara County | 60 | 42 | $31m | 6.7% |
| Riverside County | 69 | 38 | $13m | 14.9% |
| San Bernardino County | 58 | 34 | $14m | 15.6% |
| Orange County | 58 | 31 | $20m | 15.0% |
| Alameda County | 48 | 26 | $16m | 0.0% |
| Placer County | 37 | 26 | $15m | 12.9% |
| San Joaquin County | 37 | 24 | $7.7m | 10.3% |
| Merced County | 35 | 24 | $6.9m | 10.3% |
| Contra Costa County | 28 | 14 | $6.4m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Synergy One Lending, Inc. originate in California in 2024?
901 loans totalling $473m, from 1,433 applications reported for properties in California.
What is Synergy One Lending, Inc.'s denial rate in California?
11.1% of decided applications in California were denied, against 24.8% for all lenders in the state and 9.2% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which California counties does Synergy One Lending, Inc. lend in most?
By originations: San Diego County (221), Stanislaus County (169), Los Angeles County (67), Monterey County (65), Santa Clara County (42).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in California. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.