SYNERGY ONE LENDING, INC. - Florida Company Profile

Company Details

Entity Name:	SYNERGY ONE LENDING, INC.
Jurisdiction:	FLORIDA
Filing Type:	Foreign Profit
Status:	Active The business entity is active. This status indicates that the business is currently operating and compliant with state regulations, suggesting a lower risk profile for lenders and potentially better creditworthiness.
Date Filed:	07 Feb 2020 (5 years ago)
Last Event:	NAME CHANGE AMENDMENT
Event Date Filed:	30 Apr 2020 (5 years ago)
Document Number:	F20000000674
FEI/EIN Number	842764875 Federal Employer Identification (FEI) Number assigned by the IRS.
Address:	610 W. Ash Street Suite 1505, SAN DIEGO, CA, 92101, US
Mail Address:	610 W. Ash Street Suite 1505, SAN DIEGO, CA, 92101, US
Place of Formation:	DELAWARE

Key Officers & Management

Name	Role	Address
PARACORP INCORPORATED	Agent	-
NEMEC AARON	President	3131 CAMINO DEL RIO N, SUITE 150, SAN DIEGO, CA, 92108
MAJERUS STEVEN	Chief Executive Officer	3131 CAMINO DEL RIO N, SUITE 150, SAN DIEGO, CA, 92108
Abraham Nicole	Secretary	3131 CAMINO DEL RIO N, SUITE 150, SAN DIEGO, CA, 92108
FONTANILLA DAVID	Director	3 TIMES SQUARE - 14TH FLOOR, NEW YORK, NY, 10036
FINE ROBERT	Director	3 TIMES SQUARE - 14TH FLOOR, NEW YORK, NY, 10036

Fictitious Names

Registration Number	Fictitious Name	Status	Filed Date	Expiration Date	Cancellation Date	Mailing Address
G25000054564	TSIPERSON LENDING TEAM	ACTIVE	2025-04-23	2030-12-31	-	610 W ASH STREET SUITE 1505, SAN DIEGO, CA, 92101
G25000034284	SEQUENCE MORTGAGE	ACTIVE	2025-03-10	2030-12-31	-	610 W ASH STREET SUITE 1505, SAN DIEGO, CA, 92101
G24000154503	WETHINKHOMELOANS	ACTIVE	2024-12-20	2029-12-31	-	610 W ASH STREET SUITE 1505, SAN DIEGO, CA, 92101
G24000132316	ITHINK MORTGAGE	ACTIVE	2024-10-29	2029-12-31	-	610 W. ASH STREET STE 1505, SAN DIEGO, CA, 92101
G24000128991	MANN MORTGAGE GROUP	ACTIVE	2024-10-21	2029-12-31	-	610 W ASH STREET STE 1505, SAN DIGEO, CA, 92101
G24000114788	THE NOONEY TEAM	ACTIVE	2024-09-16	2029-12-31	-	610 W ASH STREET SUITE 1505, SAN DIEGO, CA, 92101
G24000115531	THE PERKINS GROUP	ACTIVE	2024-09-16	2029-12-31	-	610 W ASH STREET STE 1505, SAN DIEGO, CA, 92101
G24000114789	EZELL TEAM	ACTIVE	2024-09-16	2029-12-31	-	610 W. ASH STREET, SUITE 1505, SAN DIEGO, CA, 92101
G24000114792	THE DELVECCHIO TEAM	ACTIVE	2024-09-13	2029-12-31	-	610 W. ASH STREET, SUITE 1505, SAN DIEGO, CA, 92101
G24000114787	MALEKI MORTGAGE TEAM	ACTIVE	2024-09-13	2029-12-31	-	610 W. ASH STREET, SUITE 1505, SAN DIEGO, CA, 92101
G24000114790	SHEIL LENDING TEAM	ACTIVE	2024-09-13	2029-12-31	-	610 W. ASH STREET SUITE 1505, SAN DIEGO, CA, 92101
G24000114791	WE FUND YOU TEAM	ACTIVE	2024-09-13	2029-12-31	-	610 W. ASH STREET SUITE 1505, SAN DIEGO, CA, 92101
G24000113459	ARMOR MORTGAGE POWERED BY SYNERGY ONE LENDING, INC	ACTIVE	2024-09-11	2029-12-31	-	610 W ASH ST, STE 1505, SAN DIEGO, CA, 92101
G24000112145	CHRISTY JORDAN TEAM	ACTIVE	2024-09-09	2029-12-31	-	610 W. ASH STREET SUITE 1505, SAN DIEGO, CA, 92101
G24000112147	FREDERICK MAHON MORTGAGE TEAM	ACTIVE	2024-09-09	2029-12-31	-	610 W. ASH STREET SUITE 1505, SAN DIEGO, CA, 92101
G24000112144	THE LEGACY LENDING TEAM	ACTIVE	2024-09-09	2029-12-31	-	610 W. ASH STREET SUITE 1505, SAN DIEGO, CA, 92101
G24000112149	THE SMITH GROUP	ACTIVE	2024-09-09	2029-12-31	-	610 W. ASH STREET SUITE 1505, SAN DIEGO, CA, 92101
G24000112148	THE FORNERETTE TEAM	ACTIVE	2024-09-09	2029-12-31	-	610 W. ASH STREET SUITE 1505, SAN DIEGO, CA, 92101
G23000066231	PARTNERS MORTGAGE	ACTIVE	2023-05-30	2028-12-31	-	3131 CAMINO DEL RIO N STE 150, SAN DIEGO, CA, 92108
G21000118392	LOANLIFE	ACTIVE	2021-09-14	2026-12-31	-	3131 CAMINO DEL RIO NORTH,SUITE 150, SAN DIEGO, CA, 92108

Events

Event Type	Filed Date	Value	Description
CHANGE OF PRINCIPAL ADDRESS	2024-07-11	610 W. Ash Street Suite 1505, SAN DIEGO, CA 92101	-
CHANGE OF MAILING ADDRESS	2024-07-11	610 W. Ash Street Suite 1505, SAN DIEGO, CA 92101	-
NAME CHANGE AMENDMENT	2020-04-30	SYNERGY ONE LENDING, INC.	-

Documents

Name	Date
ANNUAL REPORT	2024-03-27
ANNUAL REPORT	2023-05-01
ANNUAL REPORT	2022-04-19
ANNUAL REPORT	2021-04-20
Name Change	2020-04-30
Foreign Profit	2020-02-07

CFPB Complaint

Complaint Id

Date Received

Issue

Product

3598498

2020-04-08

Applying for a mortgage or refinancing an existing mortgage

Mortgage

Tags	Servicemember
Issue	Applying for a mortgage or refinancing an existing mortgage
Timely	Yes
Company	SYNERGY ONE LENDING, INC.
Product	Mortgage
Sub Product	Conventional home mortgage
Date Received	2020-04-08
Submitted Via	Web
Company Response	Closed with explanation
Consumer Disputed	N/A
Date Sent To Company	2020-04-08
Complaint What Happened	I was in the process of pursuing a refinance with my current lender at a competitive rate. I contacted XXXX XXXX XXXX Mortgage on or around XX/XX/XXXX and a mortgage banker offered to provide a quote. The rate was more competitive than I was going to lock with the company I was working with so I elected to move forward with XXXX XXXX XXXX. The banker provided me a list of all required documents which I provided to him over the next XXXX hours. On Monday XX/XX/XXXX, the banker confirmed that my rate was locked XXXX 2.375 % XXXX fixed for {$970000.00} with 0.790 % / {$7600.00} prepaids ) and provided me written confirmation via email along with closing estimates. At this time, I ceased to pursue refinancing with any other companies based on this offer from XXXX XXXX XXXXOn XX/XX/XXXX, I received the complete XXXX page loan packet from Synergy One Lending, Inc. XXXX XXXX XXXX XXXX XXXX. My wife and I completed all further requirements, electronically signed all documents per instructions and submitted them to Synergy One in a timely manner. The lender 's processing department contacted my title attorney and provided information pertaining to the loan. At their direction, my attorney began title work in the interest of an expedient closing. My title attorney provided the lender with clear title, as well as requested and provided official payoffs for existing loans. The appraisal was ordered, paid for by me, and completed on XX/XX/XXXX. As of XX/XX/XXXX, everything was submitted and completed for the loan to close. It should have been in the final stage of underwriting for final approval. I had incurred fees for the work my title attorney had done on this loan. On XX/XX/XXXX the mortgage banker advised me that he received a company email stating that XXXX XXXX XXXX would not be able to fund my loan on the terms provided. He did, at this time, offer to proceed at a new interest rate of 2.875 % with {$22000.00} in prepaid costs. After multiple message exchanges, he stated, " I emailed XXXX different National Senior VPs to ask how we can legally cancel a signed rate lock .... '' Since this time, I have had exchanged numerous emails and phone calls with XXXX XXXX XXXX representatives, all in the XXXX office where this loan originated. I have been unable to contact any corporate representation beyond the XXXX office. I have requested in writing an official loan cancellation from XXXX XXXX XXXX. To date, the only thing I have received is a Statement of Credit Denial, Termination, or Change from Synergy One stating " we don't grant credit to any applicant on the terms and conditions you have requested. Loan program no longer available. '' This document states " application was denied. '' Why would they allow this to go to processing and interact with my title attorney all the way to the final stage for an application that was denied? Furthermore, the signature block for the document is the loan originator 's name and the document is not signed. The bottom line is that XXXX XXXX XXXX provided me, the customer, with a written agreement that I made life altering financial decisions based on. Based on market conditions, it was no longer favorable for XXXX XXXX XXXX to fund this loan as agreed. They have verbally cited a lack of liquidity in the market. Florida Statutes XXXX require " The mortgage lender shall make a good faith effort to process the mortgage loan application and stand ready to fulfill the terms of its commitment before the expiration date of the lock-in agreement or any extension thereof. '' Regarding the liquidity in the market, FS XXXX also states, " Before issuing a mortgage loan rate lock-in agreement, a mortgage lender must have the ability to timely advance funds on all mortgage loans for which rate lock-in agreements have been issued. As used in this section, ability to timely advance funds means having sufficient liquid assets or a line of credit necessary to cover all rate lock-in agreements issued with respect to which a lock-in fee is collected. '' My written rate lock is effective through XXXX on XX/XX/2020. There is no plausible reason on my end as to why the loan should not be closed. If not for this offer by XXXX XXXX XXXX, i would have continued this process with my alternate lender and been closed by now. I placed my faith, trust, confidence, and family 's well being in the hands of XXXX XXXX XXXX. With the change in the markets, I no longer have a competitive option for refinancing. I strongly feel that XXXX XXXX XXXX should stand by the written offer which I have invested time and money into regardless of circumstances. After all, the first page of of the XXXX page packet they sent me was a letter that started with " Serving our customers is our highest priority and we are committed to CLOSING YOUR LOAN ON TIME, WITH NO EXCEPTIONS AND NO EXCUSES. '' I have attached a copy of the written rate lock, but have over XXXX emails, text messages, and written documents documenting every step of this process that can be furnished upon request. XXXX XXXX XXXX XXXX
Consumer Consent Provided	Consent provided

3380829

2019-09-20

Applying for a mortgage or refinancing an existing mortgage

Mortgage

Issue	Applying for a mortgage or refinancing an existing mortgage
Timely	Yes
Company	SYNERGY ONE LENDING, INC.
Product	Mortgage
Sub Product	Conventional home mortgage
Date Received	2019-09-20
Submitted Via	Web
Company Response	Closed with explanation
Consumer Disputed	N/A
Date Sent To Company	2019-09-20
Complaint What Happened	I began speaking with XXXX XXXX out of Kansas NMLS # XXXX ( Synergy One Lending Inc XXXX XXXX of XXXX XXXX ) many months ago. He had a lot of promises and professed the best mortgage rates and closing costs compared to others. I started a mortgage process on a new condo in XXXX last month. There was a 4 week close time which he said he could handle. As time went on the list of demands for more documents grew. I was quite surprised as the had most any document requested before a contract was drawn and he worked directly for the Lender as well. We asked for multiple extensions as the " new list '' of requested " letters of explanantion '' and Condo documents outstandign was always there. Several times I advised if we keep this up, I will be in default and potentially lose $ XXXX in earnest money already provided. He shrugged everything off as the seller and his agent were unrealistic. I quickly told him, we set up the contract based on what he professed was necessary to close the deal. As time to close drew near, the surprise was even more costly. I had asked for A " LOCK NOTE '' to ensire no surprises come closing costs. He assured me that the original document provided was exactly that and I had nothing to fear. A few days before closing, the settlement statement was furnished for me. The closing costs had ballooned to $ XXXX above the original estimates on a XXXX loan. The closing noted that Synergy One Lending was my Lender leaving no possiblity that a mysterious outside source was the culprit. Furthermore, i was advised they had no interest to keep the loan either. I feel robbed and cheated. The broker went out of his way to promise a quick turnaround which I feel he had no chance of producing to steer me from other lenders. He made promises in writing to closing cost estimates making him look competitive again to lure consumers to his great deals, but come closing, the costs skyrocketted.
Consumer Consent Provided	Consent provided

Date of last update: 02 Apr 2025

Sources: Florida Department of State