Synergy One Lending in Washington vs the state
8.6%Denial rate-7.07 pts vs state
11.2%Decision denial rate-8.32 pts vs state
67.6%Origination rate+6.50 pts vs state
6.63%Median rate0.00 pts vs state
0.28Rate spread (pts)+0.09 pts vs state
$105kMedian applicant income
606Loans originated
77Denied
Trend in Washington
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 170 | 109 | 8.2% | 7.25% | #171 |
| 2024 | 497 | 343 | 8.3% | 6.50% | #96 |
| 2025 | 897 | 606 | 8.6% | 6.63% | #73 |
What Synergy One Lending lends in Washington
By loan purpose
By loan type
Why it denied Washington applicants
Where in Washington
Counties with the most Synergy One Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Yakima County | 230 | 164 | 16 | 7.0% |
| King County | 106 | 73 | 3 | 2.8% |
| Spokane County | 103 | 68 | 11 | 10.7% |
| Pierce County | 97 | 73 | 8 | 8.2% |
| Clark County | 74 | 43 | 11 | 14.9% |
| Cowlitz County | 71 | 49 | 4 | 5.6% |
| Snohomish County | 23 | 13 | 5 | 21.7% |
| Benton County | 23 | 14 | 1 | 4.3% |
| Kittitas County | 20 | 15 | 0 | 0.0% |
| Stevens County | 20 | 12 | 4 | 20.0% |
Other large lenders in Washington
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Boeing Employees Credit Union | B | 21,599 | 23.8% | 6.13% |
| Rocket Mortgage | C | 14,301 | 15.9% | 6.63% |
| United Shore Financial Services | B | 13,770 | 10.0% | 6.13% |
| Guild Mortgage | A | 8,056 | 3.4% | 6.63% |
| CMG Mortgage | A | 7,817 | 3.1% | 6.63% |
| Movement Mortgage | A | 7,472 | 3.6% | 6.63% |
| Bank of America | F | 6,986 | 27.0% | 5.99% |
| Crosscountry Mortgage | B | 6,903 | 3.1% | 6.63% |
| U.S. Bank | D | 6,568 | 27.6% | 6.63% |
| Newrez | D | 5,849 | 12.9% | 6.63% |
Frequently asked questions
Washington: 897 applications in 2025, of which 606 were originated and 77 denied.
8.6% of all applications, or 11.2% of the applications it actually decided on. The Washington statewide average across all lenders was 15.7%.
The median rate on loans Synergy One Lending originated in Washington 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 Washington, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology