Synergy One Lending in Georgia vs the state
19.6%Denial rate+0.39 pts vs state
27.8%Decision denial rate+2.71 pts vs state
51.0%Origination rate-3.11 pts vs state
6.99%Median rate+0.37 pts vs state
1.10Rate spread (pts)+0.83 pts vs state
$95kMedian applicant income
26Loans originated
10Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 25 | 12 | 24.0% | 7.25% | #525 |
| 2024 | 41 | 21 | 24.4% | 7.50% | #453 |
| 2025 | 51 | 26 | 19.6% | 6.99% | #436 |
What Synergy One Lending lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Synergy One Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cobb County | 8 | 6 | 0 | 0.0% |
| Fulton County | 5 | 3 | 1 | 20.0% |
| Fayette County | 4 | 4 | 0 | 0.0% |
| Clayton County | 4 | 0 | 4 | 100.0% |
| Bartow County | 3 | 1 | 0 | 0.0% |
| Houston County | 3 | 3 | 0 | 0.0% |
| Bibb County | 3 | 1 | 1 | 33.3% |
| Paulding County | 2 | 1 | 0 | 0.0% |
| Thomas County | 2 | 1 | 0 | 0.0% |
| Whitfield County | 2 | 0 | 1 | 50.0% |
Other large lenders in Georgia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 29,845 | 18.2% | 6.63% |
| United Shore Financial Services | B | 23,784 | 12.6% | 6.25% |
| Navy Federal Credit Union | D | 12,388 | 26.4% | 7.95% |
| Truist Bank | C | 10,563 | 38.7% | 6.49% |
| Pennymac Loan Services | C | 10,273 | 11.6% | 6.49% |
| Broker Solutions | D | 9,709 | 8.6% | 6.63% |
| Mortgage Research Center | C | 9,443 | 19.8% | 6.25% |
| Freedom Mortgage | B | 9,293 | 9.1% | 6.25% |
| Bank of America | F | 9,168 | 36.5% | 6.24% |
| Ameris Bank | B | 8,065 | 10.1% | 6.50% |
Frequently asked questions
Georgia: 51 applications in 2025, of which 26 were originated and 10 denied.
19.6% of all applications, or 27.8% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Synergy One Lending originated in Georgia in 2025 was 6.99%, against a statewide median of 6.63%.
About this data. Figures are Synergy One Lending's own HMDA filing for properties located in Georgia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology