# Synergy One Lending Inc. NMLS #1907235

> Synergy One Lending is a U.S. mortgage lender combining loan officers with digital applications, home equity financing and financial readiness tools. Its Renters Advantage offering uses eligible positive rent history in mortgage assessment. The brand, founded in 2013 and relaunched through a 2020 management buyout, joined American Pacific Mortgage in 2026.

- **Founded:** 2013
- **Headquarters:** San Diego, United States
- **Founders:** Torrey Larsen (Co-founder of the original Synergy One business; historical president and CEO), Tyler Larsen (Co-founder of the original Synergy One business)
- **Products:** Home purchase mortgages, Mortgage refinancing, HELOC, Fixed-rate second mortgage, Renters Advantage
- **Notable:** Fannie Mae case study reported 73%-78% adoption of digital asset verification among prospective homebuyers., Completed USD 50 million corporate note financing in 2021., Company reports a 2025 Scotsman Guide Top Workplace recognition.

## Products & services

- **Home purchase mortgages** — Conventional, FHA, VA, USDA, jumbo and renovation financing, subject to eligibility.
- **Mortgage refinancing** — Refinancing options for changing loan terms, payments or accessing equity.
- **HELOC** — Digital fixed-rate home equity offering with underwriting and state-specific conditions; fees may be deducted from proceeds.
- **Fixed-rate second mortgage** — Additional borrowing secured by a home while retaining the existing first mortgage.
- **Renters Advantage** — Uses eligible positive rent payment history through Fannie Mae underwriting capabilities.
- **S1 Connect** — Mortgage application, document upload, payment calculation and progress tracking app.
- **S1 FinFit** — Free personal finance app with budgeting, credit monitoring and mortgage readiness tools.
- **SynerGPT** — Internal employee AI assistant advertised for writing and productivity tasks.

## Achievements

- Fannie Mae case study reported 73%-78% adoption of digital asset verification among prospective homebuyers.
- Completed USD 50 million corporate note financing in 2021.
- Company reports a 2025 Scotsman Guide Top Workplace recognition.
- Company reports number 37 in Mortgage Executive’s 2024 Top 50 mortgage company ranking.

## Latest updates

- **2026-07** — Announced a transition agreement for Newrez’s distributed retail business; financial terms undisclosed.
- **2026-06** — Announced merger with APM, with Majerus moving to APM president subject to regulatory requirements and Nemec continuing to lead Synergy One.
- **2025-07** — Figure announced Synergy One as its first institutional Democratized Prime client.

## Links

- Website: https://s1l.com/
- LinkedIn: https://www.linkedin.com/company/synergyonelending
- Twitter/X: https://twitter.com/synergy1lending
- YouTube: https://www.youtube.com/@synergyonelending
- Instagram: https://www.instagram.com/synergyonelending/
- Facebook: https://www.facebook.com/SynergyOneLending/

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Profile page: https://yespress.io/synergy-one-lending-inc-nmls-1907235
Published by YesPress — https://yespress.io
Last updated: 2026-10-25