Synergy One Lending, Inc. closing costs and rates (2024)
In 2024, Synergy One Lending, Inc. originated 4,063 purchase mortgages at a median interest rate of 6.62% and median total closing costs of $8,774. That ranks #117 nationally by origination volume. For total closing costs among lenders with 500+ originations, Synergy One Lending, Inc. ranks #489. That is $2,033 above the national median of $6,741. Synergy One Lending, Inc. is most active in Ohio with 742 originations there.
Purchase Originations
4,063
Ranked #117 nationally
Median Total Costs
$8,774
+30.2% vs national ($6,741)
Median Rate
6.625%
+0.1% vs national (6.620%)
Median Origination
$4,187
Median Lender Credits
$100
Cost Rank (500+ vol.)
#489
among lenders with 500+ originations
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 2,526 | 6.625% | $7,023 | $3,902 |
| fha | 1,150 | 6.500% | $13,420 | $4,658 |
| va | 356 | 6.250% | $11,052 | $4,236 |
| usda | 31 | 6.375% | $8,411 | $3,500 |
Active states
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Ohio | 742 | 6.625% | $6,954 | #36 |
| Texas | 655 | 6.625% | $10,408 | #97 |
| California | 499 | 6.625% | $10,516 | #71 |
| Colorado | 477 | 6.625% | $7,755 | #33 |
| Idaho | 393 | 6.375% | $10,582 | #10 |
| Oregon | 296 | 6.625% | $9,844 | #31 |
| Washington | 240 | 6.500% | $11,009 | #61 |
| Arizona | 100 | 6.625% | $9,480 | #98 |
| Louisiana | 79 | 6.625% | $6,172 | #59 |
| Illinois | 76 | 6.625% | $6,332 | #164 |
| Montana | 64 | 6.125% | $7,684 | #26 |
| Wisconsin | 62 | 6.750% | $5,596 | #126 |
| Alabama | 57 | 6.500% | $7,274 | #122 |
| Missouri | 50 | 6.625% | $9,293 | #143 |
| Utah | 39 | 6.625% | $10,961 | — |
| Nevada | 34 | 6.625% | $9,251 | — |
| Minnesota | 30 | 6.625% | $6,011 | — |
| Florida | 23 | 6.625% | $8,184 | — |
| Kansas | 20 | 6.875% | $7,974 | — |
| Oklahoma | 14 | 6.812% | $7,184 | — |
| Georgia | 10 | 6.688% | $7,194 | — |
| Indiana | 10 | 6.875% | $6,024 | — |
| New Mexico | 10 | 6.188% | $10,811 | — |
| Pennsylvania | 10 | 6.688% | $8,228 | — |
| North Carolina | 9 | 6.750% | $7,388 | — |
| Tennessee | 9 | 6.375% | $6,682 | — |
| South Carolina | 8 | 6.995% | $6,687 | — |
| Mississippi | 7 | 6.625% | $6,657 | — |
| Kentucky | 5 | 6.875% | $5,664 | — |
| Michigan | 5 | 6.625% | $7,967 | — |
| Arkansas | 4 | 6.812% | $5,190 | — |
| Massachusetts | 4 | 7.245% | $6,138 | — |
| Nebraska | 4 | 6.438% | $8,232 | — |
| Virginia | 4 | 6.250% | $10,268 | — |
| Maryland | 3 | 6.500% | $17,334 | — |
| Wyoming | 3 | 6.625% | $10,593 | — |
| Alaska | 2 | 6.250% | $22,398 | — |
| South Dakota | 2 | 7.062% | $13,685 | — |
| Connecticut | 1 | 5.990% | $8,159 | — |
| Hawaii | 1 | 6.375% | $13,489 | — |
| New Jersey | 1 | 7.375% | $5,932 | — |
| West Virginia | 1 | 7.125% | $4,008 | — |
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $5,482 | 6.625% | — | 63 | −$3,292 | |
| 2 | $6,061 | 6.625% | — | 128 | −$2,713 | |
| 3 | $6,390 | 6.688% | — | 100 | −$2,384 | |
| 4 | $6,994 | 6.625% | — | 60 | −$1,780 | |
| 5 | $7,036 | 6.625% | — | 226 | −$1,738 | |
| 6 | $8,272 | 6.875% | — | 51 | −$502 | |
| 7 | $8,373 | 6.750% | — | 79 | −$401 | |
| 8 | $9,398 | 6.625% | — | 95 | +$624 | |
| 9 | $9,964 | 6.312% | — | 208 | +$1,190 | |
| 10 | $10,047 | 6.625% | — | 114 | +$1,273 | |
| 11 | $10,101 | 6.250% | — | 63 | +$1,327 | |
| 12 | $10,701 | 6.750% | — | 147 | +$1,927 | |
| 13 | $10,806 | 6.875% | — | 43 | +$2,032 | |
| 14 | $10,992 | 6.625% | — | 50 | +$2,218 | |
| 15 | $11,104 | 6.562% | — | 50 | +$2,330 | |
| 16 | $11,458 | 6.500% | — | 56 | +$2,684 | |
| 17 | $12,164 | 6.625% | — | 75 | +$3,390 | |
| 18 | $12,886 | 6.250% | — | 91 | +$4,112 | |
| 19 | $12,925 | 6.625% | — | 90 | +$4,151 | |
| 20 | $13,446 | 6.375% | — | 46 | +$4,672 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2024. Sorted by median total loan costs.
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Data source: HMDA Modified Loan Application Register 2024, 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.