Synergy One Lending in Oregon vs the state
5.2%Denial rate-10.09 pts vs state
6.8%Decision denial rate-12.37 pts vs state
71.2%Origination rate+10.60 pts vs state
6.50%Median rate-0.25 pts vs state
0.29Rate spread (pts)+0.01 pts vs state
$114kMedian applicant income
532Loans originated
39Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 529 | 387 | 4.9% | 6.75% | #56 |
| 2024 | 511 | 378 | 6.1% | 6.63% | #64 |
| 2025 | 747 | 532 | 5.2% | 6.50% | #55 |
What Synergy One Lending lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Synergy One Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Marion County | 172 | 122 | 7 | 4.1% |
| Union County | 85 | 68 | 2 | 2.4% |
| Polk County | 65 | 44 | 4 | 6.2% |
| Lane County | 60 | 43 | 1 | 1.7% |
| Linn County | 60 | 42 | 5 | 8.3% |
| Multnomah County | 43 | 30 | 1 | 2.3% |
| Umatilla County | 43 | 37 | 4 | 9.3% |
| Clackamas County | 31 | 22 | 2 | 6.5% |
| Washington County | 26 | 16 | 5 | 19.2% |
| Baker County | 24 | 15 | 0 | 0.0% |
Other large lenders in Oregon
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Onpoint Community Credit Union | B | 10,710 | 15.7% | 7.50% |
| Rocket Mortgage | C | 6,649 | 16.3% | 6.75% |
| United Shore Financial Services | B | 6,600 | 10.4% | 6.25% |
| Guild Mortgage | A | 6,034 | 2.6% | 6.55% |
| U.S. Bank | D | 4,875 | 31.6% | 7.85% |
| Umpqua Bank | C | 3,155 | 23.0% | 7.50% |
| Newrez | D | 2,945 | 12.9% | 6.63% |
| CMG Mortgage | A | 2,702 | 2.9% | 6.50% |
| Pennymac Loan Services | C | 2,642 | 10.2% | 6.62% |
| Rogue Credit Union | C | 2,511 | 10.2% | 7.49% |
Frequently asked questions
Oregon: 747 applications in 2025, of which 532 were originated and 39 denied.
5.2% of all applications, or 6.8% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Synergy One Lending originated in Oregon in 2025 was 6.50%, against a statewide median of 6.75%.
About this data. Figures are Synergy One Lending's own HMDA filing for properties located in Oregon, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology