Synergy One Lending in Massachusetts vs the state
5.2%Denial rate-10.99 pts vs state
6.1%Decision denial rate-13.89 pts vs state
79.1%Origination rate+16.53 pts vs state
6.63%Median rate0.00 pts vs state
0.20Rate spread (pts)+0.11 pts vs state
$154kMedian applicant income
91Loans originated
6Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 12 | 6 | 50.0% | 7.50% | #439 |
| 2025 | 115 | 91 | 5.2% | 6.63% | #230 |
What Synergy One Lending lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most Synergy One Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Essex County | 41 | 33 | 2 | 4.9% |
| Middlesex County | 34 | 28 | 2 | 5.9% |
| Worcester County | 12 | 9 | 0 | 0.0% |
| Norfolk County | 12 | 8 | 2 | 16.7% |
| Suffolk County | 6 | 5 | 0 | 0.0% |
| Plymouth County | 5 | 4 | 0 | 0.0% |
| Barnstable County | 3 | 3 | 0 | 0.0% |
| Bristol County | 2 | 1 | 0 | 0.0% |
Other large lenders in Massachusetts
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Citizens Bank | C | 17,476 | 29.0% | 7.40% |
| Rocket Mortgage | C | 8,698 | 15.9% | 6.75% |
| Bank of America | F | 7,784 | 30.1% | 5.99% |
| Guaranteed Rate | B | 7,313 | 4.5% | 6.50% |
| Eastern Bank | B | 6,216 | 31.8% | 6.99% |
| Rockland Trust | C | 5,990 | 28.6% | 6.99% |
| Leader Bank | A | 5,913 | 1.8% | 6.25% |
| United Shore Financial Services | B | 5,898 | 12.8% | 6.50% |
| Crosscountry Mortgage | B | 5,634 | 3.8% | 6.63% |
| TD Bank | D | 3,778 | 26.9% | 7.44% |
Frequently asked questions
Massachusetts: 115 applications in 2025, of which 91 were originated and 6 denied.
5.2% of all applications, or 6.1% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans Synergy One Lending originated in Massachusetts in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Synergy One Lending's own HMDA filing for properties located in Massachusetts, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology