Synergy One Lending in Arizona vs the state
6.7%Denial rate-9.51 pts vs state
9.5%Decision denial rate-10.89 pts vs state
63.9%Origination rate+4.39 pts vs state
6.75%Median rate+0.25 pts vs state
0.46Rate spread (pts)+0.24 pts vs state
$134kMedian applicant income
152Loans originated
16Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 143 | 95 | 10.5% | 6.88% | #189 |
| 2024 | 244 | 156 | 9.0% | 6.93% | #153 |
| 2025 | 238 | 152 | 6.7% | 6.75% | #165 |
What Synergy One Lending lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most Synergy One Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Maricopa County | 112 | 75 | 3 | 2.7% |
| Yavapai County | 60 | 41 | 4 | 6.7% |
| Coconino County | 21 | 13 | 4 | 19.0% |
| Navajo County | 14 | 8 | 1 | 7.1% |
| Pinal County | 7 | 2 | 1 | 14.3% |
| Pima County | 5 | 4 | 0 | 0.0% |
| Apache County | 5 | 1 | 1 | 20.0% |
| Yuma County | 3 | 2 | 1 | 33.3% |
| Graham County | 2 | 1 | 1 | 50.0% |
| Santa Cruz County | 2 | 1 | 0 | 0.0% |
Other large lenders in Arizona
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 25,383 | 10.2% | 6.25% |
| Rocket Mortgage | C | 17,947 | 15.6% | 6.75% |
| Desert Financial Credit Union | B | 16,970 | 24.3% | 6.49% |
| Crosscountry Mortgage | B | 7,570 | 3.8% | 6.58% |
| Fairway Independent Mortgage | B | 6,729 | 5.6% | 6.63% |
| Bank of America | F | 6,229 | 32.2% | 6.24% |
| Loandepot.Com | D | 6,180 | 16.1% | 5.99% |
| Pennymac Loan Services | C | 5,838 | 11.7% | 6.62% |
| Nova Financial & Investment | C | 5,380 | 16.2% | 6.49% |
| Freedom Mortgage | B | 4,991 | 7.0% | 6.00% |
Frequently asked questions
Arizona: 238 applications in 2025, of which 152 were originated and 16 denied.
6.7% of all applications, or 9.5% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans Synergy One Lending originated in Arizona in 2025 was 6.75%, against a statewide median of 6.50%.
About this data. Figures are Synergy One Lending's own HMDA filing for properties located in Arizona, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology