Synergy One Lending in Minnesota vs the state
1.0%Denial rate-12.63 pts vs state
1.2%Decision denial rate-15.13 pts vs state
78.6%Origination rate+12.27 pts vs state
6.75%Median rate+0.13 pts vs state
0.27Rate spread (pts)+0.02 pts vs state
$94kMedian applicant income
81Loans originated
1Denied
Trend in Minnesota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 49 | 40 | 6.1% | 6.63% | #267 |
| 2025 | 103 | 81 | 1.0% | 6.75% | #200 |
What Synergy One Lending lends in Minnesota
By loan purpose
By loan type
Why it denied Minnesota applicants
Where in Minnesota
Counties with the most Synergy One Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hennepin County | 28 | 23 | 0 | 0.0% |
| St. Louis County | 11 | 10 | 0 | 0.0% |
| Ramsey County | 11 | 8 | 1 | 9.1% |
| Dakota County | 9 | 7 | 0 | 0.0% |
| Aitkin County | 6 | 6 | 0 | 0.0% |
| Scott County | 4 | 2 | 0 | 0.0% |
| Anoka County | 4 | 3 | 0 | 0.0% |
| Itasca County | 4 | 4 | 0 | 0.0% |
| Olmsted County | 3 | 2 | 0 | 0.0% |
| Washington County | 2 | 1 | 0 | 0.0% |
Other large lenders in Minnesota
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 8,694 | 10.6% | 6.38% |
| U.S. Bank | D | 8,624 | 30.4% | 7.88% |
| Bell Bank | A | 7,987 | 5.3% | 6.63% |
| Rocket Mortgage | C | 7,630 | 16.3% | 6.63% |
| Trustone Financial Credit Union | C | 6,066 | 20.0% | 7.25% |
| Affinity Plus | C | 5,438 | 14.6% | 6.63% |
| Blaze Credit Union | B | 4,074 | 12.3% | 6.38% |
| Wings Financial Credit Union | A | 3,960 | 16.4% | 7.25% |
| Crosscountry Mortgage | B | 3,942 | 2.1% | 6.63% |
| Fairway Independent Mortgage | B | 3,327 | 3.2% | 6.75% |
Frequently asked questions
Minnesota: 103 applications in 2025, of which 81 were originated and 1 denied.
1.0% of all applications, or 1.2% of the applications it actually decided on. The Minnesota statewide average across all lenders was 13.6%.
The median rate on loans Synergy One Lending originated in Minnesota in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are Synergy One Lending's own HMDA filing for properties located in Minnesota, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology