Synergy One Lending, Inc.
8,115 mortgages originated in 2025 across 18 states, and what they cost borrowers.
30-year fixed, this week
6.71%
Freddie Mac's survey average for the week of September 3, 2026 — a year earlier it was 6.56%, and the past year ranged 5.98–6.71%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 8,115
- Median rate
- 6.625%
- Median lender fees
- $7,492
The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.
- Median loan amount
- $285,000
- Above the going rate (spread over APOR)
- 0.412
- Paid discount points
- 63.5%
- Received lender credits
- 21.5%
- Purchases / refinances
- 85.3% / 14.3%
- Conventional / FHA / VA
- 66% / 25.8% / 7%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 96.3% of loans here — see methodology.
Where Synergy One Lending, Inc. lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| Ohio | 1,310 | $6,716 | 6.750% |
| Texas | 1,261 | $9,528 | 6.625% |
| California | 797 | $7,699 | 6.625% |
| Louisiana | 765 | $6,982 | 6.625% |
| Colorado | 652 | $5,652 | 6.500% |
| Washington | 606 | $8,653 | 6.625% |
| Idaho | 550 | $9,527 | 6.375% |
| Oregon | 532 | $8,124 | 6.500% |
| Illinois | 348 | $5,410 | 6.750% |
| Montana | 180 | $8,258 | 6.500% |
| Arizona | 152 | $8,193 | 6.750% |
| Missouri | 140 | $5,486 | 6.500% |
| Nevada | 102 | $10,514 | 6.750% |
| Massachusetts | 91 | $4,792 | 6.625% |
| Florida | 83 | $6,612 | 6.875% |
| Minnesota | 81 | $5,253 | 6.750% |
| Alabama | 78 | $6,669 | 6.875% |
| Tennessee | 67 | $9,524 | 6.490% |