Synergy One Lending in Utah vs the state
19.2%Denial rate+3.27 pts vs state
22.7%Decision denial rate+3.55 pts vs state
65.4%Origination rate+2.14 pts vs state
6.63%Median rate0.00 pts vs state
0.41Rate spread (pts)+0.17 pts vs state
$160kMedian applicant income
17Loans originated
5Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 125 | 81 | 9.6% | 7.25% | #113 |
| 2024 | 100 | 63 | 5.0% | 6.63% | #133 |
| 2025 | 26 | 17 | 19.2% | 6.63% | #221 |
What Synergy One Lending lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most Synergy One Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Washington County | 9 | 7 | 1 | 11.1% |
| Iron County | 5 | 3 | 0 | 0.0% |
| Salt Lake County | 4 | 2 | 2 | 50.0% |
| Davis County | 4 | 3 | 1 | 25.0% |
| Tooele County | 2 | 0 | 1 | 50.0% |
| Kane County | 1 | 1 | 0 | 0.0% |
| Utah County | 1 | 1 | 0 | 0.0% |
Other large lenders in Utah
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| AMERICA FIRST Federal Credit Union | C | 16,303 | 18.3% | 6.99% |
| Mountain America Federal Credit Union | D | 15,401 | 36.5% | 7.24% |
| United Shore Financial Services | B | 11,325 | 8.5% | 6.25% |
| Rocket Mortgage | C | 6,276 | 14.6% | 6.63% |
| Guild Mortgage | A | 5,427 | 1.5% | 6.50% |
| Intercap Lending | A | 4,881 | 0.7% | 6.50% |
| Goldenwest | B | 4,794 | 17.6% | 7.50% |
| First Colony Mortgage | A | 3,499 | 2.1% | 6.38% |
| Kind Lending | C | 3,227 | 20.3% | 6.50% |
| Zions Bancorporation | B | 3,013 | 22.9% | 6.49% |
Frequently asked questions
Utah: 26 applications in 2025, of which 17 were originated and 5 denied.
19.2% of all applications, or 22.7% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans Synergy One Lending originated in Utah in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Synergy One Lending's own HMDA filing for properties located in Utah, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology