Synergy One Lending in Texas vs the state
7.7%Denial rate-11.77 pts vs state
10.5%Decision denial rate-14.41 pts vs state
64.9%Origination rate+9.99 pts vs state
6.63%Median rate+0.13 pts vs state
0.54Rate spread (pts)+0.35 pts vs state
$104kMedian applicant income
1,261Loans originated
149Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 959 | 633 | 6.4% | 6.75% | #157 |
| 2024 | 1,179 | 803 | 5.0% | 6.63% | #147 |
| 2025 | 1,944 | 1,261 | 7.7% | 6.63% | #103 |
What Synergy One Lending lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Synergy One Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hidalgo County | 417 | 293 | 32 | 7.7% |
| Harris County | 218 | 151 | 21 | 9.6% |
| Cameron County | 185 | 99 | 11 | 5.9% |
| Bexar County | 155 | 94 | 10 | 6.5% |
| Dallas County | 103 | 51 | 8 | 7.8% |
| Montgomery County | 69 | 53 | 7 | 10.1% |
| Tarrant County | 64 | 37 | 10 | 15.6% |
| Galveston County | 57 | 32 | 3 | 5.3% |
| Fort Bend County | 51 | 34 | 3 | 5.9% |
| Brazoria County | 47 | 29 | 3 | 6.4% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 1,944 applications in 2025, of which 1,261 were originated and 149 denied.
7.7% of all applications, or 10.5% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Synergy One Lending originated in Texas in 2025 was 6.63%, against a statewide median of 6.50%.
About this data. Figures are Synergy One Lending's own HMDA filing for properties located in Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology