Synergy One Lending in Tennessee vs the state
7.6%Denial rate-9.52 pts vs state
10.5%Decision denial rate-11.15 pts vs state
63.8%Origination rate+5.73 pts vs state
6.49%Median rate-0.13 pts vs state
0.32Rate spread (pts)+0.09 pts vs state
$112kMedian applicant income
67Loans originated
8Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 22 | 16 | 4.6% | 7.19% | #501 |
| 2024 | 25 | 13 | 12.0% | 6.63% | #489 |
| 2025 | 105 | 67 | 7.6% | 6.49% | #317 |
What Synergy One Lending lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most Synergy One Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Montgomery County | 52 | 37 | 3 | 5.8% |
| Williamson County | 7 | 4 | 1 | 14.3% |
| Davidson County | 6 | 3 | 1 | 16.7% |
| Loudon County | 4 | 2 | 0 | 0.0% |
| Shelby County | 4 | 4 | 0 | 0.0% |
| Cheatham County | 3 | 3 | 0 | 0.0% |
| Humphreys County | 2 | 0 | 0 | 0.0% |
| Madison County | 2 | 1 | 0 | 0.0% |
| Maury County | 2 | 2 | 0 | 0.0% |
| Putnam County | 2 | 0 | 1 | 50.0% |
Other large lenders in Tennessee
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 16,503 | 17.3% | 6.50% |
| United Shore Financial Services | B | 12,458 | 10.9% | 6.12% |
| Regions Bank | C | 11,247 | 36.5% | 4.99% |
| Vanderbilt Mortgage and Finance | F | 9,649 | 35.8% | 8.75% |
| Mortgage Research Center | C | 6,568 | 17.3% | 6.25% |
| FirstBank | C | 5,677 | 14.5% | 6.88% |
| CMG Mortgage | A | 5,643 | 2.9% | 6.50% |
| Freedom Mortgage | B | 5,493 | 8.0% | 6.25% |
| Pennymac Loan Services | C | 5,331 | 11.2% | 6.00% |
| Mortgage Investors Group | B | 4,454 | 3.5% | 6.50% |
Frequently asked questions
Tennessee: 105 applications in 2025, of which 67 were originated and 8 denied.
7.6% of all applications, or 10.5% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans Synergy One Lending originated in Tennessee in 2025 was 6.49%, against a statewide median of 6.62%.
About this data. Figures are Synergy One Lending's own HMDA filing for properties located in Tennessee, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology