Purchase Originations
5,875
Ranked #80 nationally
Median Total Costs
$8,115
+21.5% vs national ($6,680)
↓ $659 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$3,369
Median Lender Credits
$155
Cost Rank (500+ vol.)
#447
among lenders with 500+ originations
Denial Rate
4.8%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 3,346 | 6.625% | $6,452 | $3,288 |
| fha | 1,949 | 6.500% | $11,445 | $3,626 |
| va | 486 | 6.250% | $9,490 | $2,925 |
| usda | 94 | 6.625% | $6,967 | $2,050 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Texas | 1,016 | 6.500% | $9,803 | #63 |
| Ohio | 967 | 6.625% | $7,289 | #27 |
| Louisiana | 639 | 6.625% | $7,069 | #14 |
| California | 475 | 6.625% | $9,218 | #79 |
| Colorado | 444 | 6.562% | $6,198 | #37 |
| Washington | 424 | 6.500% | $10,475 | #40 |
| Oregon | 406 | 6.500% | $8,007 | #28 |
| Idaho | 371 | 6.250% | $11,529 | #15 |
| Illinois | 270 | 6.750% | $5,808 | #74 |
| Montana | 118 | 6.500% | $9,652 | #17 |
| Missouri | 110 | 6.500% | $5,798 | #85 |
| Arizona | 81 | 6.625% | $10,130 | #114 |
| Nevada | 77 | 6.625% | $11,016 | #73 |
| Florida | 59 | 6.875% | $6,735 | #300 |
| Massachusetts | 59 | 6.625% | $4,944 | #121 |
| Minnesota | 58 | 6.750% | $5,407 | #117 |
| Tennessee | 50 | 6.375% | $10,328 | #185 |
| Alabama | 45 | 6.750% | $7,510 | — |
| Kentucky | 35 | 6.375% | $6,629 | — |
| North Carolina | 21 | 6.990% | $10,616 | — |
| Georgia | 20 | 6.562% | $12,049 | — |
| Wisconsin | 17 | 6.750% | $3,736 | — |
| Indiana | 13 | 6.500% | $5,437 | — |
| New Hampshire | 12 | 6.438% | $4,291 | — |
| Mississippi | 11 | 6.875% | $5,964 | — |
| Vermont | 11 | 6.750% | $4,969 | — |
| South Carolina | 10 | 6.750% | $11,641 | — |
| Utah | 10 | 6.250% | $7,328 | — |
| Kansas | 9 | 6.625% | $3,433 | — |
| Michigan | 5 | 6.625% | $7,957 | — |
| Arkansas | 4 | 6.875% | $6,188 | — |
| Nebraska | 4 | 6.812% | $5,896 | — |
| Virginia | 4 | 6.688% | $7,080 | — |
| Oklahoma | 3 | 6.500% | $7,292 | — |
| Hawaii | 2 | 6.250% | $10,021 | — |
| Iowa | 2 | 6.938% | $3,264 | — |
| Maryland | 2 | 6.870% | $11,389 | — |
| Maine | 2 | 6.870% | $5,126 | — |
| North Dakota | 2 | 6.875% | $6,980 | — |
| New Mexico | 2 | 6.375% | $6,232 | — |
| Pennsylvania | 2 | 6.938% | $8,356 | — |
| Rhode Island | 1 | 6.490% | $16,771 | — |
| West Virginia | 1 | 6.625% | $8,347 | — |
| Wyoming | 1 | 6.750% | $16,152 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $5,214 | 6.625% | — | 67 | −$2,901 | |
| 2 | $5,743 | 6.625% | — | 75 | −$2,372 | |
| 3 | $6,665 | 6.625% | — | 178 | −$1,450 | |
| 4 | $6,850 | 6.750% | — | 227 | −$1,265 | |
| 5 | $7,046 | 6.625% | — | 83 | −$1,069 | |
| 6 | $7,838 | 6.625% | — | 92 | −$277 | |
| 7 | $7,863 | 6.625% | — | 96 | −$252 | |
| 8 | $7,913 | 6.625% | — | 268 | −$202 | |
| 9 | $8,062 | 6.625% | — | 77 | −$53 | |
| 10 | $8,945 | 6.490% | — | 96 | +$830 | |
| 11 | $9,302 | 6.500% | — | 238 | +$1,187 | |
| 12 | $9,738 | 6.625% | — | 77 | +$1,623 | |
| 13 | $9,844 | 6.625% | — | 82 | +$1,729 | |
| 14 | $10,079 | 6.375% | — | 76 | +$1,964 | |
| 15 | $10,203 | 6.500% | — | 120 | +$2,088 | |
| 16 | $10,731 | 6.625% | — | 129 | +$2,616 | |
| 17 | $10,932 | 6.490% | — | 68 | +$2,817 | |
| 18 | $11,870 | 6.250% | — | 155 | +$3,755 | |
| 19 | $11,900 | 6.625% | — | 64 | +$3,785 | |
| 20 | $13,198 | 6.125% | — | 75 | +$5,083 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Synergy One Lending, Inc. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $305,000 | $335,000 | −$30,000 (−9.0%) |
| Median total closing costs | $8,115 | $7,127 | +$988 (+13.9%) |
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.