Synergy One Lending in Alabama vs the state
2.9%Denial rate-16.94 pts vs state
3.7%Decision denial rate-21.30 pts vs state
75.7%Origination rate+20.34 pts vs state
6.88%Median rate+0.38 pts vs state
0.73Rate spread (pts)+0.44 pts vs state
$134kMedian applicant income
78Loans originated
3Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 47 | 31 | 12.8% | 6.88% | #285 |
| 2024 | 127 | 86 | 6.3% | 6.81% | #190 |
| 2025 | 103 | 78 | 2.9% | 6.88% | #229 |
What Synergy One Lending lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most Synergy One Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Baldwin County | 61 | 47 | 2 | 3.3% |
| Mobile County | 9 | 5 | 1 | 11.1% |
| Marshall County | 5 | 5 | 0 | 0.0% |
| Madison County | 4 | 4 | 0 | 0.0% |
| Monroe County | 3 | 3 | 0 | 0.0% |
| Calhoun County | 3 | 2 | 0 | 0.0% |
| Etowah County | 3 | 1 | 0 | 0.0% |
| Jackson County | 2 | 1 | 0 | 0.0% |
| Shelby County | 2 | 2 | 0 | 0.0% |
| Jefferson County | 2 | 2 | 0 | 0.0% |
Other large lenders in Alabama
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Regions Bank | C | 11,871 | 37.2% | 4.99% |
| Rocket Mortgage | C | 9,941 | 20.5% | 6.63% |
| Vanderbilt Mortgage and Finance | F | 8,461 | 41.4% | 9.50% |
| United Shore Financial Services | B | 7,689 | 12.0% | 6.13% |
| 21st Mortgage | F | 6,507 | 46.0% | 9.98% |
| Mortgage Research Center | C | 5,107 | 18.4% | 6.25% |
| REDSTONE Federal Credit Union | C | 4,548 | 18.9% | 8.13% |
| Dhi Mortgage Company | B | 3,909 | 17.5% | 4.99% |
| Freedom Mortgage | B | 3,725 | 8.7% | 6.25% |
| Pennymac Loan Services | C | 3,611 | 11.6% | 6.25% |
Frequently asked questions
Alabama: 103 applications in 2025, of which 78 were originated and 3 denied.
2.9% of all applications, or 3.7% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans Synergy One Lending originated in Alabama in 2025 was 6.88%, against a statewide median of 6.50%.
About this data. Figures are Synergy One Lending's own HMDA filing for properties located in Alabama, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology