Synergy One Lending in Indiana vs the state
12.5%Denial rate-4.07 pts vs state
17.7%Decision denial rate-2.49 pts vs state
58.3%Origination rate-3.92 pts vs state
6.63%Median rate-0.13 pts vs state
0.56Rate spread (pts)+0.20 pts vs state
$92kMedian applicant income
14Loans originated
3Denied
Trend in Indiana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 5 | 3 | 20.0% | 7.63% | #616 |
| 2024 | 35 | 18 | 20.0% | 7.38% | #378 |
| 2025 | 24 | 14 | 12.5% | 6.63% | #433 |
What Synergy One Lending lends in Indiana
By loan purpose
By loan type
Why it denied Indiana applicants
Where in Indiana
Counties with the most Synergy One Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lake County | 4 | 2 | 1 | 25.0% |
| LaPorte County | 3 | 1 | 1 | 33.3% |
| Floyd County | 2 | 1 | 0 | 0.0% |
| Dearborn County | 2 | 2 | 0 | 0.0% |
| Hamilton County | 2 | 2 | 0 | 0.0% |
| Grant County | 1 | 1 | 0 | 0.0% |
| Marshall County | 1 | 0 | 1 | 100.0% |
| Vanderburgh County | 1 | 0 | 0 | 0.0% |
| Bartholomew County | 1 | 1 | 0 | 0.0% |
| Porter County | 1 | 1 | 0 | 0.0% |
Other large lenders in Indiana
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 13,503 | 18.6% | 6.75% |
| Ruoff Mortgage Company | A | 8,860 | 4.0% | 6.75% |
| Fifth Third Bank | D | 8,693 | 27.6% | 7.75% |
| United Shore Financial Services | B | 8,659 | 12.2% | 6.38% |
| Freedom Mortgage | B | 5,454 | 8.9% | 6.25% |
| Newrez | D | 5,421 | 18.2% | 6.63% |
| First Merchants Bank | C | 5,114 | 19.9% | 6.76% |
| Fairway Independent Mortgage | B | 4,813 | 7.4% | 6.75% |
| Mortgage Research Center | C | 4,791 | 19.0% | 6.25% |
| PNC Bank | D | 4,724 | 25.1% | 7.55% |
Frequently asked questions
Indiana: 24 applications in 2025, of which 14 were originated and 3 denied.
12.5% of all applications, or 17.7% of the applications it actually decided on. The Indiana statewide average across all lenders was 16.6%.
The median rate on loans Synergy One Lending originated in Indiana in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are Synergy One Lending's own HMDA filing for properties located in Indiana, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology