Question 1

What are Synergy One Lending's average closing costs?

Accepted Answer

Based on 7,861 homebuyer-submitted Closing Disclosures, Synergy One Lending's median total closing costs are $7,512. This is about 137% above the $3,167 national peer median for comparable lenders. Actual costs vary by loan type, loan amount, property state, and individual borrower profile. This data is informational only and not financial advice.

Question 2

Does Synergy One Lending charge junk fees?

Accepted Answer

None of the 7,861 Closing Disclosures we've analyzed for Synergy One Lending included fees flagged as potentially excessive — a strong sign. That said, every loan is different. Fair Closing Check can review your specific disclosure to confirm there are no hidden charges on your loan.

Question 3

How do Synergy One Lending's fees compare to other lenders?

Accepted Answer

Synergy One Lending currently holds a grade of C on Fair Closing Check, placing them near the national average for comparable lenders. Their median closing costs of $7,512 are about 137% above the $3,167 national peer median. Grades are based on real homebuyer-submitted Closing Disclosures and scale from A (well below average) to F (significantly above average). This is informational only; individual loans vary by state, loan type, and borrower circumstances.

Question 4

Can I negotiate closing costs with Synergy One Lending?

Accepted Answer

Yes — closing costs are almost always negotiable to some degree. Based on our data, Synergy One Lending's origination fee (avg $4,319) runs above the peer average of $1,721, making it worth challenging specifically. Lender-controlled fees like origination, processing, and underwriting charges can often be reduced or waived, especially if you have a strong credit profile or are comparing offers from multiple lenders. Third-party fees such as title insurance and settlement services can sometimes be shopped around for better rates — you are generally entitled to choose your own providers. Fair Closing Check analyzes your specific Closing Disclosure and identifies which fees to challenge and how much room there is to negotiate. This is informational only and not legal or financial advice.

Question 5

What fees on Synergy One Lending's Closing Disclosures run above peer averages?

Accepted Answer

Across homebuyer-submitted Closing Disclosures for Synergy One Lending, three fee categories tend to run above comparable lenders: origination fee (avg $4,319 vs $1,721 peer avg, +$2,599), discount points (avg $4,083 vs $2,109 peer avg, +$1,974), and lender credits (avg $912 vs $430 peer avg, +$483). These are the line items most worth scrutinizing or challenging on your own disclosure. "Junk fees" is industry shorthand for charges that are inflated beyond the peer norm or provide little discernible value — the CFPB recommends shopping title, settlement, and pest-inspection services independently when possible. This data is informational only and not financial advice.

Question 6

How much do Synergy One Lending's closing costs vary by state?

Accepted Answer

Synergy One Lending's closing costs vary significantly by state. Based on the 43 states in our database with at least 3 reports, median total closing costs range from $3,736 in Wisconsin to $23,786 in New York — a $20,050 spread. Variation reflects state-specific transfer taxes, title insurance regulation, attorney requirements, and recording-fee schedules rather than lender policy. See state-level data on this page to compare your own state. This is informational only and not financial advice.

Fee Category	This Lender (avg)	National Avg	Verdict
Origination Fee	$4,319	$1,721	🔺 High
discount_points	$4,083	$2,109	🔺 High
Title Insurance	$3,110	$3,460	🟢 Below Avg
Underwriting Fee	$1,455	$1,600	🟡 Average
Appraisal	$1,085	$1,166	🟡 Average
Settlement/Closing Fee	$986	$1,077	🟡 Average
lender_credits	$912	$430	🔺 High
Processing Fee	$793	$857	🟡 Average
Title Search	$377	$429	🟢 Below Avg
Recording Fee	$346	$380	🟡 Average
Rate Lock Fee	$292	$386	🟢 Below Avg
Document Preparation	$147	$182	🟢 Below Avg
Tax Service Fee	$128	$140	🟡 Average
Wire Transfer Fee	$69	$74	🟡 Average
Credit Report	$67	$78	🟢 Below Avg
Courier/Delivery	$58	$63	🟡 Average
Flood Certification	$23	$25	🟡 Average

Fee Category	This Lender (avg)	National Avg	Verdict
Origination Fee	$4,319	$1,721	🔺 High
discount_points	$4,083	$2,109	🔺 High
Title Insurance	$3,110	$3,460	🟢 Below Avg
Underwriting Fee	$1,455	$1,600	🟡 Average
Appraisal	$1,085	$1,166	🟡 Average
Settlement/Closing Fee	$986	$1,077	🟡 Average
lender_credits	$912	$430	🔺 High
Processing Fee	$793	$857	🟡 Average
Title Search	$377	$429	🟢 Below Avg
Recording Fee	$346	$380	🟡 Average
Rate Lock Fee	$292	$386	🟢 Below Avg
Document Preparation	$147	$182	🟢 Below Avg
Tax Service Fee	$128	$140	🟡 Average
Wire Transfer Fee	$69	$74	🟡 Average
Credit Report	$67	$78	🟢 Below Avg
Courier/Delivery	$58	$63	🟡 Average
Flood Certification	$23	$25	🟡 Average

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