Lender in Texas · HMDA 2025
Synergy One Lending, Inc. mortgages in Texas
Synergy One Lending, Inc.'s 2025 home-purchase and refinance lending in Texas, compared with all lenders in the state.
Synergy One Lending, Inc. originated 1,081 owner-occupied single-family loans in Texas from 1,200 completed applications.
Its median conventional purchase loan costs were $7,480 versus $6,860 for all Texas lenders, at a median 30-year fixed rate of 6.625% (Texas: 6.50%).
Loans in TX
1,081
of 1,200 applications
Denial rate
8.3%
Purchase · TX 10.2%
Rate spread
+0.33 pts
Conv. · TX +0.09 pts
Loan amount
$275,000
Purchase · TX $315,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 1,086 | 990 | 8.3% | 6.625% | +0.33 pts | $7,480 | $275,000 |
| Refinance | 68 | 55 | 17.6% | 6.625% | +0.35 pts | $9,080 | $415,000 |
| Cash-out refinance | 46 | 36 | 21.7% | 7.125% | +0.68 pts | $9,980 | $295,000 |
*Conventional loans only; medians with at least 20 loans.
Texas counties where Synergy One Lending, Inc. ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Scurry County | 1 | 13 | 10.8% |
| Navarro County | 3 | 32 | 6.2% |
| Mitchell County | 4 | 3 | 6.4% |
| Fisher County | 5 | 1 | 4.5% |
| Hidalgo County | 7 | 259 | 4.4% |
| Cameron County | 7 | 85 | 2.9% |
| Howard County | 7 | 11 | 3.9% |
| Starr County | 8 | 8 | 4.4% |
| Willacy County | 8 | 2 | 3.3% |
| Frio County | 9 | 1 | 2.0% |
| DeWitt County | 10 | 2 | 1.7% |
| Gaines County | 12 | 4 | 1.5% |
| Freestone County | 14 | 2 | 1.3% |
| Dawson County | 14 | 1 | 1.5% |
| Henderson County | 16 | 10 | 1.1% |
| Anderson County | 16 | 4 | 1.2% |
| Austin County | 18 | 5 | 1.4% |
| Somervell County | 22 | 1 | 0.8% |
| Calhoun County | 23 | 1 | 0.6% |
| Atascosa County | 24 | 4 | 0.9% |
| Falls County | 24 | 1 | 0.8% |
| Waller County | 25 | 16 | 0.8% |
| Houston County | 25 | 1 | 0.8% |
| Morris County | 25 | 1 | 0.8% |
- Synergy One Lending, Inc. nationwide
- Texas mortgage market
- 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 Idaho
- Synergy One Lending, Inc. in Illinois
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology