Synergy One Lending in Missouri vs the state
6.4%Denial rate-8.66 pts vs state
9.7%Decision denial rate-9.02 pts vs state
59.8%Origination rate-2.83 pts vs state
6.50%Median rate-0.13 pts vs state
0.45Rate spread (pts)+0.10 pts vs state
$75kMedian applicant income
140Loans originated
15Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 126 | 82 | 15.1% | 6.88% | #205 |
| 2024 | 132 | 83 | 9.9% | 6.99% | #215 |
| 2025 | 234 | 140 | 6.4% | 6.50% | #164 |
What Synergy One Lending lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most Synergy One Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jackson County | 60 | 26 | 3 | 5.0% |
| Cape Girardeau County | 37 | 26 | 3 | 8.1% |
| Scott County | 21 | 13 | 3 | 14.3% |
| Clay County | 17 | 11 | 1 | 5.9% |
| Cass County | 14 | 8 | 0 | 0.0% |
| Stoddard County | 11 | 7 | 0 | 0.0% |
| Platte County | 7 | 4 | 1 | 14.3% |
| Butler County | 6 | 3 | 1 | 16.7% |
| Buchanan County | 5 | 3 | 0 | 0.0% |
| New Madrid County | 5 | 4 | 0 | 0.0% |
Other large lenders in Missouri
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 10,460 | 18.4% | 6.63% |
| Flat Branch Mortgage | A | 8,999 | 0.9% | 6.63% |
| Guild Mortgage | A | 7,388 | 2.5% | 6.63% |
| U.S. Bank | D | 7,190 | 32.8% | 7.63% |
| The Central Trust Bank | C | 7,022 | 9.7% | 6.63% |
| United Shore Financial Services | B | 6,710 | 8.0% | 6.55% |
| Communityamerica Credit Union | B | 5,843 | 16.8% | 6.49% |
| Mortgage Research Center | C | 5,734 | 15.6% | 6.25% |
| Broker Solutions | D | 5,007 | 7.8% | 6.88% |
| Commerce Bank | D | 4,905 | 27.2% | 6.72% |
Frequently asked questions
Missouri: 234 applications in 2025, of which 140 were originated and 15 denied.
6.4% of all applications, or 9.7% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans Synergy One Lending originated in Missouri in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Synergy One Lending's own HMDA filing for properties located in Missouri, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology