Florida › Orlando › Synergy One Lending, INC.
Synergy One Lending, INC.
Synergy One Lending, INC. is a mortgage lender: it funds loans with its own money or credit lines, then keeps, services or sells them (Fla. Stat. 494.001(24); CFPB: “a financial institution that makes direct loans”). It has 7 licensed Florida offices: Orlando, Ormond Beach, Palm Coast, Plant City, Tampa, Vero Beach, Winter Park. Its principal office is in San Diego, CA.
| Kind | Mortgage lender |
| License or charter | Florida mortgage lender (Chapter 494), status Approved |
| NMLS id | 1907235 (company); branches 1904638, 2870652, 2870672, 2873664, 2873672, 2877051, 2877411 |
| Florida offices | Orlando, Ormond Beach, Palm Coast, Plant City, Tampa, Vero Beach, Winter Park |
| Counties | Flagler, Hillsborough, Indian River, Orange, Seminole, Volusia |
| Website | None on file |
Loan types
Synergy One Lending, INC. does not publish a loan program list we could read because no website is on file. The license record above is the public data available. If this is your company, claiming the page lets you list programs free.
Loan mix from federal filings
| Florida loans originated, 2025 | 83 |
| Applications | 144 |
| Denial rate | 13% |
| Conventional / FHA / VA / USDA | 76% / 18% / 6% / 0% |
| Purchase / refinance / cash out | 94% / 2% / 4% |
| Home improvement / other purpose | 0% / 0% |
| Investor and second home share | 20% |
| Dollar volume | $32,755,000 |
| Top counties | Sarasota (10), Manatee (9), Escambia (8), Santa Rosa (6), Pinellas (6) |
HMDA 2025FFIEC HMDA loan-level data, Florida, calendar year 2025, filed by Synergy One Lending, Inc.. Counts are loans in Florida only.
Synergy One Lending, INC. offices in Florida
| City | Address | Phone | Record |
|---|---|---|---|
| Orlando | 7380 West Sand Lake Road, Suite 500 32819 | (385) 273-5250 | Branch, NMLS 2873672 |
| Ormond Beach | 1452 N Us 1 Hwy, Suite 110 32174 | (386) 742-0555 | Branch, NMLS 1904638 |
| Palm Coast | 5182 N Oceanshore, Unit 4 32137 | (385) 273-5250 | Branch, NMLS 2870652 |
| Plant City | 110 W. Reynolds Street, Suite 101 33563 | (385) 273-5250 | Branch, NMLS 2877411 |
| Tampa | 15310 Amberly Drive, Suite 250 33647 | (385) 273-5250 | Branch, NMLS 2873664 |
| Vero Beach | 333 17th Street, Suite K, Unit 10 32960 | (385) 273-5250 | Branch, NMLS 2870672 |
| Winter Park | 3001 Aloma Avenue, Suite 226 32792 | (385) 273-5250 | Branch, NMLS 2877051 |
As of October 15, 2026Source: Florida OFR office and branch records. Addresses are as filed; call before visiting.
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Orange County at a glance
| Mortgage applications filed in 2025 | 55,353 |
| Loans originated | 25,010 |
| Denial rate | 19% |
| FHA share of originations | 15% |
| VA share | 6% |
| Investor and second home share | 13% |
| Dollar volume originated | $11,335,890,000 |
| 2026 conforming loan limit, 1 unit | $832,750 |
| 2026 FHA loan limit, 1 unit | $541,287 |
As of October 15, 2026Sources: FFIEC HMDA 2025 loan-level data for Orange County, FL; FHFA 2026 conforming loan limits; HUD 2026 FHA mortgage limits. Look up any county.