Lender in Oregon · HMDA 2025
Synergy One Lending, Inc. mortgages in Oregon
Synergy One Lending, Inc.'s 2025 home-purchase and refinance lending in Oregon, compared with all lenders in the state.
Synergy One Lending, Inc. originated 437 owner-occupied single-family loans in Oregon from 469 completed applications.
Its median conventional purchase loan costs were $6,460 versus $6,490 for all Oregon lenders, at a median 30-year fixed rate of 6.625% (Oregon: 6.625%).
Loans in OR
437
of 469 applications
Denial rate
4.9%
Purchase · OR 5.7%
Rate spread
+0.23 pts
Conv. · OR +0.12 pts
Loan amount
$365,000
Purchase · OR $415,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 385 | 364 | 4.9% | 6.625% | +0.23 pts | $6,460 | $365,000 |
| Refinance | 37 | 33 | 10.8% | — | — | — | $445,000 |
| Cash-out refinance | 47 | 40 | 12.8% | 6.625% | +0.30 pts | $7,930 | $275,000 |
*Conventional loans only; medians with at least 20 loans.
Oregon counties where Synergy One Lending, Inc. ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Union County | 2 | 50 | 17.9% |
| Sherman County | 3 | 2 | 10.5% |
| Polk County | 5 | 41 | 3.8% |
| Baker County | 5 | 12 | 6.2% |
| Marion County | 6 | 103 | 2.9% |
| Wasco County | 6 | 11 | 4.5% |
| Umatilla County | 7 | 33 | 3.5% |
| Hood River County | 9 | 4 | 2.3% |
| Wallowa County | 9 | 2 | 2.7% |
| Linn County | 11 | 36 | 2.4% |
| Grant County | 11 | 1 | 1.5% |
| Benton County | 17 | 11 | 1.6% |
| Morrow County | 19 | 1 | 0.9% |
| Lane County | 24 | 34 | 0.9% |
- Synergy One Lending, Inc. nationwide
- Oregon mortgage market
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Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology