Synergy One Lending in New Mexico vs the state
30.0%Denial rate+11.40 pts vs state
37.5%Decision denial rate+12.84 pts vs state
40.0%Origination rate-13.34 pts vs state
6.88%Median rate+0.25 pts vs state
0.82Rate spread (pts)+0.44 pts vs state
$97kMedian applicant income
4Loans originated
3Denied
Trend in New Mexico
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 15 | 9 | 13.3% | 7.63% | #204 |
| 2024 | 26 | 17 | 0.0% | 6.63% | #184 |
| 2025 | 10 | 4 | 30.0% | 6.88% | #260 |
What Synergy One Lending lends in New Mexico
By loan purpose
By loan type
Why it denied New Mexico applicants
Where in New Mexico
Counties with the most Synergy One Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Doña Ana County | 5 | 1 | 2 | 40.0% |
| Bernalillo County | 2 | 1 | 0 | 0.0% |
| Santa Fe County | 1 | 1 | 0 | 0.0% |
| Eddy County | 1 | 1 | 0 | 0.0% |
| Sandoval County | 1 | 0 | 1 | 100.0% |
Other large lenders in New Mexico
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 4,440 | 20.5% | 6.75% |
| 21st Mortgage | F | 3,992 | 45.5% | 9.60% |
| United Shore Financial Services | B | 3,251 | 12.8% | 6.13% |
| Guild Mortgage | A | 3,186 | 4.3% | 6.63% |
| Nusenda | D | 2,962 | 13.7% | 8.00% |
| Waterstone Mortgage | C | 2,740 | 3.2% | 6.88% |
| Vanderbilt Mortgage and Finance | F | 2,085 | 46.4% | 9.99% |
| Sunward Federal Credit Union | B | 1,765 | 9.1% | 6.50% |
| Mortgage Research Center | C | 1,683 | 15.9% | 6.25% |
| Primary Residential Mortgage | C | 1,497 | 4.9% | 6.63% |
Frequently asked questions
New Mexico: 10 applications in 2025, of which 4 were originated and 3 denied.
30.0% of all applications, or 37.5% of the applications it actually decided on. The New Mexico statewide average across all lenders was 18.6%.
The median rate on loans Synergy One Lending originated in New Mexico in 2025 was 6.88%, against a statewide median of 6.63%.
About this data. Figures are Synergy One Lending's own HMDA filing for properties located in New Mexico, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology