Synergy One Lending in Ohio vs the state
5.7%Denial rate-11.98 pts vs state
7.6%Decision denial rate-14.26 pts vs state
68.7%Origination rate+8.76 pts vs state
6.75%Median rate-0.13 pts vs state
0.62Rate spread (pts)+0.24 pts vs state
$81kMedian applicant income
1,310Loans originated
109Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 46 | 32 | 4.4% | 6.93% | #405 |
| 2024 | 1,487 | 1,023 | 6.5% | 6.75% | #57 |
| 2025 | 1,908 | 1,310 | 5.7% | 6.75% | #51 |
What Synergy One Lending lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most Synergy One Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cuyahoga County | 652 | 425 | 36 | 5.5% |
| Summit County | 302 | 238 | 11 | 3.6% |
| Lake County | 143 | 99 | 8 | 5.6% |
| Lorain County | 94 | 62 | 7 | 7.4% |
| Stark County | 91 | 69 | 3 | 3.3% |
| Medina County | 80 | 63 | 4 | 5.0% |
| Hamilton County | 74 | 44 | 7 | 9.5% |
| Butler County | 70 | 45 | 2 | 2.9% |
| Portage County | 67 | 44 | 1 | 1.5% |
| Warren County | 34 | 20 | 2 | 5.9% |
Other large lenders in Ohio
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| The Huntington National Bank | D | 42,683 | 25.8% | 7.59% |
| Rocket Mortgage | C | 23,165 | 18.5% | 6.63% |
| Fifth Third Bank | D | 21,939 | 25.6% | 7.50% |
| Crosscountry Mortgage | B | 16,066 | 3.1% | 6.75% |
| United Shore Financial Services | B | 14,626 | 13.1% | 6.45% |
| Third Federal Savings and Loan Association of Cleveland | C | 12,622 | 23.0% | 6.74% |
| PNC Bank | D | 11,607 | 24.6% | 7.40% |
| Wright-Patt Credit Union | C | 8,791 | 28.1% | 7.50% |
| U.S. Bank | D | 8,623 | 38.0% | 7.60% |
| Citizens Bank | C | 7,775 | 24.3% | 7.65% |
Frequently asked questions
Ohio: 1,908 applications in 2025, of which 1,310 were originated and 109 denied.
5.7% of all applications, or 7.6% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans Synergy One Lending originated in Ohio in 2025 was 6.75%, against a statewide median of 6.88%.
About this data. Figures are Synergy One Lending's own HMDA filing for properties located in Ohio, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology