Lender in Washington · HMDA 2025
Synergy One Lending, Inc. mortgages in Washington
Synergy One Lending, Inc.'s 2025 home-purchase and refinance lending in Washington, compared with all lenders in the state.
Synergy One Lending, Inc. originated 446 owner-occupied single-family loans in Washington from 500 completed applications.
Its median conventional purchase loan costs were $7,940 versus $6,530 for all Washington lenders, at a median 30-year fixed rate of 6.625% (Washington: 6.625%).
Loans in WA
446
of 500 applications
Denial rate
8.2%
Purchase · WA 5.9%
Rate spread
+0.28 pts
Conv. · WA +0.10 pts
Loan amount
$375,000
Purchase · WA $495,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 427 | 389 | 8.2% | 6.625% | +0.28 pts | $7,940 | $375,000 |
| Refinance | 47 | 36 | 23.4% | 6.490% | +0.11 pts | $4,860 | $485,000 |
| Cash-out refinance | 26 | 21 | 19.2% | — | — | — | $345,000 |
*Conventional loans only; medians with at least 20 loans.
Washington counties where Synergy One Lending, Inc. ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Yakima County | 5 | 121 | 5.4% |
| Garfield County | 8 | 1 | 3.0% |
| Asotin County | 9 | 9 | 3.0% |
| Cowlitz County | 11 | 35 | 2.0% |
| Stevens County | 11 | 9 | 1.9% |
| Klickitat County | 13 | 4 | 1.8% |
| Kittitas County | 19 | 9 | 1.3% |
| Okanogan County | 24 | 3 | 0.9% |
- Synergy One Lending, Inc. nationwide
- Washington mortgage market
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- Synergy One Lending, Inc. in Colorado
- 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