Synergy One Lending in Michigan vs the state
5.3%Denial rate-13.26 pts vs state
6.7%Decision denial rate-15.91 pts vs state
73.7%Origination rate+13.79 pts vs state
7.19%Median rate+0.44 pts vs state
1.04Rate spread (pts)+0.64 pts vs state
$144kMedian applicant income
14Loans originated
1Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 12 | 8 | 8.3% | 6.88% | #479 |
| 2024 | 23 | 9 | 21.7% | 6.75% | #419 |
| 2025 | 19 | 14 | 5.3% | 7.19% | #443 |
What Synergy One Lending lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most Synergy One Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Ingham County | 4 | 4 | 0 | 0.0% |
| Hillsdale County | 3 | 2 | 0 | 0.0% |
| Kent County | 2 | 1 | 0 | 0.0% |
| Wayne County | 2 | 1 | 0 | 0.0% |
| Bay County | 2 | 1 | 1 | 50.0% |
| Oceana County | 1 | 1 | 0 | 0.0% |
| Grand Traverse County | 1 | 0 | 0 | 0.0% |
| Berrien County | 1 | 1 | 0 | 0.0% |
| Marquette County | 1 | 1 | 0 | 0.0% |
| Antrim County | 1 | 1 | 0 | 0.0% |
Other large lenders in Michigan
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 30,644 | 16.3% | 6.75% |
| United Shore Financial Services | B | 29,330 | 11.7% | 6.60% |
| The Huntington National Bank | D | 20,047 | 30.0% | 7.49% |
| Lake Michigan Credit Union | A | 16,662 | 5.6% | 6.75% |
| Fifth Third Bank | D | 11,176 | 26.4% | 7.50% |
| 21st Mortgage | F | 7,424 | 53.4% | 11.04% |
| Citizens Bank | C | 6,592 | 29.0% | 7.65% |
| Triad Financial Services | D | 6,426 | 56.1% | 8.49% |
| Union Home Mortgage | B | 5,303 | 4.3% | 6.75% |
| PNC Bank | D | 5,161 | 26.3% | 7.36% |
Frequently asked questions
Michigan: 19 applications in 2025, of which 14 were originated and 1 denied.
5.3% of all applications, or 6.7% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans Synergy One Lending originated in Michigan in 2025 was 7.19%, against a statewide median of 6.75%.
About this data. Figures are Synergy One Lending's own HMDA filing for properties located in Michigan, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology