Lender in Idaho · HMDA 2025
Synergy One Lending, Inc. mortgages in Idaho
Synergy One Lending, Inc.'s 2025 home-purchase and refinance lending in Idaho, compared with all lenders in the state.
Synergy One Lending, Inc. originated 423 owner-occupied single-family loans in Idaho from 452 completed applications, making it the state's #19 lender by volume.
Its median conventional purchase loan costs were $8,500 versus $7,270 for all Idaho lenders, at a median 30-year fixed rate of 6.50% (Idaho: 6.50%).
Loans in ID
423
of 452 applications
Denial rate
5.2%
Purchase · ID 4.9%
Rate spread
+0.17 pts
Conv. · ID +0.06 pts
Loan amount
$375,000
Purchase · ID $385,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 384 | 363 | 5.2% | 6.500% | +0.17 pts | $8,500 | $375,000 |
| Refinance | 38 | 31 | 18.4% | 6.625% | +0.10 pts | $6,830 | $325,000 |
| Cash-out refinance | 30 | 29 | 3.3% | — | — | — | $315,000 |
*Conventional loans only; medians with at least 20 loans.
Idaho counties where Synergy One Lending, Inc. ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Jefferson County | 6 | 23 | 4.1% |
| Madison County | 6 | 16 | 4.2% |
| Nez Perce County | 8 | 21 | 3.6% |
| Clearwater County | 8 | 3 | 3.1% |
| Lemhi County | 8 | 2 | 2.4% |
| Gem County | 9 | 8 | 2.4% |
| Custer County | 9 | 1 | 2.2% |
| Lewis County | 9 | 1 | 2.8% |
| Owyhee County | 10 | 3 | 2.6% |
| Bonneville County | 11 | 45 | 2.2% |
| Bingham County | 11 | 12 | 2.0% |
| Fremont County | 12 | 4 | 2.5% |
| Ada County | 13 | 166 | 1.8% |
| Blaine County | 14 | 3 | 1.1% |
| Canyon County | 15 | 89 | 1.7% |
| Payette County | 19 | 7 | 1.5% |
| Teton County | 20 | 2 | 1.0% |
| Washington County | 21 | 1 | 0.8% |
| Boise County | 24 | 2 | 1.1% |
- Synergy One Lending, Inc. nationwide
- Idaho mortgage market
- Synergy One Lending, Inc. in Texas
- Synergy One Lending, Inc. in Ohio
- Synergy One Lending, Inc. in Louisiana
- Synergy One Lending, Inc. in California
- Synergy One Lending, Inc. in Colorado
- Synergy One Lending, Inc. in Washington
- Synergy One Lending, Inc. in Oregon
- Synergy One Lending, Inc. in Illinois
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology