Synergy One Lending in Illinois vs the state
8.0%Denial rate-9.15 pts vs state
9.8%Decision denial rate-11.84 pts vs state
73.0%Origination rate+14.22 pts vs state
6.75%Median rate0.00 pts vs state
0.54Rate spread (pts)+0.16 pts vs state
$78kMedian applicant income
348Loans originated
38Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 6 | 5 | 16.7% | 7.75% | #750 |
| 2024 | 170 | 101 | 12.9% | 6.63% | #252 |
| 2025 | 477 | 348 | 8.0% | 6.75% | #131 |
What Synergy One Lending lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most Synergy One Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| McLean County | 114 | 87 | 8 | 7.0% |
| Cook County | 71 | 39 | 9 | 12.7% |
| Tazewell County | 50 | 40 | 2 | 4.0% |
| Peoria County | 39 | 27 | 5 | 12.8% |
| McHenry County | 39 | 24 | 4 | 10.3% |
| Logan County | 25 | 23 | 1 | 4.0% |
| DuPage County | 21 | 16 | 0 | 0.0% |
| Macon County | 15 | 14 | 0 | 0.0% |
| Woodford County | 14 | 13 | 1 | 7.1% |
| Will County | 11 | 9 | 1 | 9.1% |
Other large lenders in Illinois
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Guaranteed Rate | B | 17,479 | 4.9% | 6.63% |
| Rocket Mortgage | C | 16,971 | 19.7% | 6.75% |
| United Shore Financial Services | B | 15,644 | 13.0% | 6.50% |
| JPMorgan Chase Bank | B | 13,574 | 9.7% | 6.49% |
| U.S. Bank | D | 10,076 | 38.3% | 7.00% |
| Crosscountry Mortgage | B | 8,779 | 4.5% | 6.75% |
| Fifth Third Bank | D | 8,628 | 32.1% | 7.50% |
| The Huntington National Bank | D | 8,226 | 31.9% | 6.99% |
| BMO Bank | F | 8,007 | 32.7% | 8.33% |
| Loandepot.Com | D | 7,019 | 17.7% | 6.88% |
Frequently asked questions
Illinois: 477 applications in 2025, of which 348 were originated and 38 denied.
8.0% of all applications, or 9.8% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans Synergy One Lending originated in Illinois in 2025 was 6.75%, against a statewide median of 6.75%.
About this data. Figures are Synergy One Lending's own HMDA filing for properties located in Illinois, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology