Synergy One Lending in California vs the state
3.6%Denial rate-13.82 pts vs state
4.7%Decision denial rate-17.67 pts vs state
71.8%Origination rate+15.60 pts vs state
6.63%Median rate0.00 pts vs state
0.30Rate spread (pts)+0.02 pts vs state
$202kMedian applicant income
797Loans originated
40Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,684 | 1,124 | 9.1% | 6.88% | #92 |
| 2024 | 1,433 | 901 | 8.3% | 6.88% | #119 |
| 2025 | 1,110 | 797 | 3.6% | 6.63% | #159 |
What Synergy One Lending lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Synergy One Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| San Diego County | 201 | 141 | 8 | 4.0% |
| Stanislaus County | 127 | 97 | 3 | 2.4% |
| Sonoma County | 90 | 75 | 2 | 2.2% |
| Santa Clara County | 87 | 60 | 3 | 3.4% |
| Los Angeles County | 79 | 47 | 3 | 3.8% |
| Monterey County | 64 | 50 | 1 | 1.6% |
| Contra Costa County | 52 | 38 | 2 | 3.8% |
| Riverside County | 46 | 33 | 2 | 4.3% |
| San Joaquin County | 42 | 30 | 2 | 4.8% |
| Alameda County | 39 | 21 | 1 | 2.6% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 1,110 applications in 2025, of which 797 were originated and 40 denied.
3.6% of all applications, or 4.7% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Synergy One Lending originated in California in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Synergy One Lending's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology