Lenders › Synergy One Lending, Inc. › Missouri
Synergy One Lending, Inc. in Missouri
HMDA record for properties in Missouri, calendar year 2024. National record · Missouri 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 Missouri, Synergy One Lending, Inc. reported 132 applications and 83 originations for 2024, $17m in all.
Its denial rate in the state was 12.9%, below the Missouri rate of 19.9% across all lenders and compared with the lender's national rate of 9.2%.
The median rate spread on its Missouri originations was 0.6 percentage points (state median 0.4).
Applications in the state were up 5% on 2023.
Compared with the state and the lender's national record
| Measure | In Missouri | Missouri, all lenders | Synergy One Lending, Inc., all states | United States |
|---|---|---|---|---|
| Denial rate | 12.9% | 19.9% | 9.2% | 24.3% |
| Median rate spread, pp | 0.6 | 0.4 | 0.4 | 0.3 |
| Originations with spread of 1.5 pp or more | 27.2% | 14.1% | 12.6% | 15.6% |
| Average originated loan | $202k | $231k | $343k | $329k |
| Home purchase share | 74.7% | 58.6% | 82.6% | 57.0% |
| FHA-insured share | 32.5% | 12.8% | 20.9% | 13.4% |
| VA-guaranteed share | 6.0% | 8.2% | 6.7% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateMissouri, all lenders
Loan purpose and loan type in Missouri
By purpose
Home purchase 75% (62)Home improvement 6% (5)Refinancing 1% (1)Cash-out refinancing 12% (10)Other purpose 6% (5)
By type
Conventional 61% (51)FHA 33% (27)VA 6% (5)
Denial reasons as coded
Withheld: fewer than 25 denials in the state.
Counties in Missouri
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Jackson County | 78 | 47 | $8.5m | 13.8% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Synergy One Lending, Inc. originate in Missouri in 2024?
83 loans totalling $17m, from 132 applications reported for properties in Missouri.
What is Synergy One Lending, Inc.'s denial rate in Missouri?
12.9% of decided applications in Missouri were denied, against 19.9% 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 Missouri counties does Synergy One Lending, Inc. lend in most?
By originations: Jackson County (47).
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 Missouri. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.