CFPB · Single-product concentration
Synergy One Lending, Inc.
28 CFPB complaints · 92.9% in "Mortgage" · top issue Applying for a mortgage or refinancing an existing mortgage.
Synergy One Lending, Inc.: 92.9% of 28 CFPB complaints sit in "Mortgage". Timely 85.675% · relief 0%. Allegations, not findings.
- Single-product concentration
- +50% filings 2017 to 2025
CFPB relief outcome brief
CCDB company synergy-one-lending-inc-2
0% relief · 85.675% timely · 28 filings · Mortgage
Same-product relief peers
Nearest relief peer: Rushmore Loan Management Services LLC (0% relief)
Synergy One Lending, Inc. closes 0% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of Synergy One Lending, Inc.'s 28 filings include narrative text
50% carry a written consumer narrative, this ledger is unusually text-rich for a CFPB company page. Counts still add to the company's total filings; narrative presence is not a severity finding.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Synergy One Lending, Inc. complaint mix by product
- Mortgage 26 92.9% – 0% relief
- Debt collection 1 3.6% – 0% relief
- Credit reporting, 1 3.6% – 0% relief
How Synergy One Lending, Inc.'s 28 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Mortgage | 26 |
| Debt collection | 1 |
| Credit reporting, credit repair services, or other personal consumer reports | 1 |
Where Synergy One Lending, Inc. complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- CA
- 21.4% of this company's filings
Synergy One Lending, Inc. rising annual filings
Annual filing volume from the CFPB public database
- 2025
- 3
- +50% vs 2017
Top States
| State | Complaints |
|---|---|
| CA | 6 |
| TX | 4 |
| FL | 2 |
| OR | 2 |
| IL | 2 |
| WA | 1 |
| MA | 1 |
| KY | 1 |
| NE | 1 |
| OH | 1 |
| PA | 1 |
| NC | 1 |
| ID | 1 |
| NM | 1 |
| KS | 1 |
| UT | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Applying for a mortgage or refinancing an existing mortgage | 14 |
| Closing on a mortgage | 11 |
| Took or threatened to take negative or legal action | 1 |
| Trouble during payment process | 1 |
| Improper use of your report | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2017 | 2 | 50% |
| 2018 | 2 | 100% |
| 2019 | 8 | 100% |
| 2020 | 9 | 100% |
| 2021 | 3 | 100% |
| 2023 | 1 | 100% |
| 2025 | 3 | 0% |
Source: CFPB Consumer Complaint Database
Synergy One Lending, Inc. filings cluster in one product
Synergy One Lending, Inc.'s 28 logged complaints stay concentrated: only 16 states show a filing. 50% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2017 through 2025-12-29.
Synergy One Lending, Inc. answers 85.675% of complaints inside the CFPB's tracked window and closes 89.27499999999999% with a written explanation. 0% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Mortgage" draws the most filings, most often for "Applying for a mortgage or refinancing an existing mortgage."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about Synergy One Lending, Inc..
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Synergy One Lending, Inc.: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 28.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 85.675%.
- Thunderbird Collection Specialists, Inc. Δ 0.0 pts · 203 complaints 85.7%timely
- AMCOL Systems, Inc. Δ 0.1 pts · 692 complaints 85.8%timely
- Neighborhood Assistance Corporation of America ("NACA") Δ 0.2 pts · 145 complaints 85.5%timely
- LTD Financial Services, L.P. Δ 0.2 pts · 427 complaints 85.9%timely
Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Data sourced from official public datasets for Synergy One Lending, Inc. (85.675% timely; 0% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration