Synergy One Lending in Colorado vs the state
2.9%Denial rate-12.72 pts vs state
3.8%Decision denial rate-15.85 pts vs state
72.9%Origination rate+12.83 pts vs state
6.50%Median rate-0.13 pts vs state
0.16Rate spread (pts)+0.01 pts vs state
$134kMedian applicant income
652Loans originated
26Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,207 | 867 | 5.2% | 6.75% | #48 |
| 2024 | 954 | 725 | 4.5% | 6.75% | #59 |
| 2025 | 895 | 652 | 2.9% | 6.50% | #65 |
What Synergy One Lending lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most Synergy One Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Denver County | 157 | 115 | 6 | 3.8% |
| Arapahoe County | 155 | 116 | 3 | 1.9% |
| Jefferson County | 127 | 91 | 1 | 0.8% |
| Adams County | 109 | 79 | 0 | 0.0% |
| Douglas County | 85 | 61 | 4 | 4.7% |
| Boulder County | 55 | 42 | 2 | 3.6% |
| Weld County | 42 | 30 | 3 | 7.1% |
| El Paso County | 38 | 31 | 1 | 2.6% |
| Larimer County | 32 | 21 | 1 | 3.1% |
| Grand County | 16 | 14 | 0 | 0.0% |
Other large lenders in Colorado
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 23,111 | 8.8% | 6.13% |
| ENT Credit Union | B | 13,238 | 20.9% | 7.50% |
| Rocket Mortgage | C | 11,486 | 15.7% | 6.61% |
| Guild Mortgage | A | 6,232 | 3.1% | 6.62% |
| Bellco Credit Union | F | 5,863 | 40.9% | 8.00% |
| U.S. Bank | D | 4,978 | 36.0% | 7.95% |
| American Financing | D | 4,937 | 41.3% | 6.38% |
| FirstBank | C | 4,929 | 15.6% | 7.00% |
| Canvas Credit Union | C | 4,889 | 13.7% | 7.89% |
| Elevations | C | 4,426 | 10.8% | 6.88% |
Frequently asked questions
Colorado: 895 applications in 2025, of which 652 were originated and 26 denied.
2.9% of all applications, or 3.8% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans Synergy One Lending originated in Colorado in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Synergy One Lending's own HMDA filing for properties located in Colorado, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology