Applications / Mortgage Analytics / Lenders / California / Synergy One Lending
San Diego, CA · Independent non-bank lender · CFPB · 8,115 loans in 2025
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8,115
loans originated, 2025
11,752
applications, 2025
46
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Synergy One Lending is a purchase lender that grew 37% in 2025 to 8,115 loans, faster than most similar lenders, and became the fourth-largest lender in Baton Rouge, LA.
Originations rose 37% from 5,933, against 13% for similar lenders (independent non-bank lenders making between half and twice as many loans) and 10% for the whole market, faster than about three-quarters of similar lenders. It first reported in 2020 and has passed its 2020 level of 7,016, though not the 11,797 of 2021.
In Baton Rouge, LA it ranks 4 of 369 lenders, with a 4.0% share against 0.0% a year earlier. Its share also rose in Cleveland, OH, to 1.3% from 1.1%, but fell in Boise City, ID to 1.6% from 2.0%, possibly as more of its growth went to other markets such as Baton Rouge. Ohio is its main state.
Home purchases made up 85.3% of its lending. Its conventional, FHA and VA shares sit near those of similar lenders, and its LMI (low- and moderate-income) and majority-minority area shares near the middle. Jumbo loans (larger than the conforming limit) were 3.9%, against 1.2%, more than about four in five similar lenders.
FHA loans (insured by the Federal Housing Administration) rose to 25.8% from 7.7% five years before, and conventional loans fell to 66.0% from 87.7%. Its typical rate, 6.62%, matched that of similar lenders.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2020–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Synergy One Lending took 11,752 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 85.3% · Refinance 14.3% · Home improvement 0.3%
Conventional 66.0% · FHA 25.8% · VA 7.0% · USDA (RHS or FSA) 1.2% · of 8,115 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Ohio | 1,310 | 16.1% |
| Texas | 1,261 | 15.5% |
| California | 797 | 9.8% |
| Louisiana | 765 | 9.4% |
| Colorado | 652 | 8.0% |
| Washington | 606 | 7.5% |
| Idaho | 550 | 6.8% |
| Oregon | 532 | 6.6% |
| Illinois | 348 | 4.3% |
| Montana | 180 | 2.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Cleveland | 686 |
| Baton Rouge | 532 |
| Denver-Aurora-Centennial | 481 |
| Boise City | 337 |
| Houston-Pasadena-The Woodlands | 325 |
| McAllen-Edinburg-Mission | 293 |
| Akron | 282 |
| Salem | 166 |
| Yakima | 164 |
| San Antonio-New Braunfels | 144 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 2549004FXPNKCLIN8250 | 2020–2025 |
Established 16 August 2019. Reported under HMDA 2020-2025.
Mergers, name changes, data editions and corrections: Synergy One Lending's data.
Synergy One Lending's data
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Synergy One Lending and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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