Synergy One Lending in Kentucky vs the state
4.5%Denial rate-14.33 pts vs state
6.0%Decision denial rate-17.49 pts vs state
70.2%Origination rate+12.11 pts vs state
6.25%Median rate-0.50 pts vs state
0.31Rate spread (pts)0.00 pts vs state
$75kMedian applicant income
47Loans originated
3Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 53 | 39 | 7.6% | 6.75% | #233 |
| 2024 | 14 | 9 | 7.1% | 7.13% | #376 |
| 2025 | 67 | 47 | 4.5% | 6.25% | #240 |
What Synergy One Lending lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Synergy One Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| McCracken County | 11 | 10 | 0 | 0.0% |
| Calloway County | 7 | 6 | 1 | 14.3% |
| Boone County | 6 | 5 | 0 | 0.0% |
| Christian County | 5 | 2 | 0 | 0.0% |
| Marshall County | 5 | 5 | 0 | 0.0% |
| Kenton County | 4 | 2 | 0 | 0.0% |
| Graves County | 4 | 1 | 0 | 0.0% |
| Jefferson County | 3 | 3 | 0 | 0.0% |
| Madison County | 2 | 1 | 0 | 0.0% |
| Ballard County | 2 | 2 | 0 | 0.0% |
Other large lenders in Kentucky
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 8,420 | 18.1% | 6.75% |
| Vanderbilt Mortgage and Finance | F | 8,220 | 44.8% | 9.50% |
| United Shore Financial Services | B | 6,871 | 9.8% | 6.50% |
| Fifth Third Bank | D | 5,663 | 25.5% | 7.75% |
| U.S. Bank | D | 4,887 | 29.5% | 7.00% |
| Mortgage Research Center | C | 3,617 | 18.0% | 6.25% |
| PNC Bank | D | 3,585 | 23.7% | 7.40% |
| 21st Mortgage | F | 3,478 | 48.0% | 9.95% |
| Commonwealth | C | 3,270 | 24.9% | 7.25% |
| Stockton Mortgage | D | 3,255 | 6.1% | 6.63% |
Frequently asked questions
Kentucky: 67 applications in 2025, of which 47 were originated and 3 denied.
4.5% of all applications, or 6.0% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Synergy One Lending originated in Kentucky in 2025 was 6.25%, against a statewide median of 6.75%.
About this data. Figures are Synergy One Lending's own HMDA filing for properties located in Kentucky, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology