---
canonical_url: https://lendb.ai/lo/carlos-velez-409864
json_url: https://lendb.ai/lo/carlos-velez-409864.json
nmls_id: 409864
last_verified: 2026-10-09
---

# Carlos Velez

Branch Manager at Synergy One Lending, San Diego, CA. NMLS ID 409864 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/409864)).

**Summary:** Carlos Velez (NMLS 409864) is Branch Manager at Synergy One Lending, based in San Diego, CA. Licensed in Florida, confirmed with the state regulator (license LO131864). Licensed since 2024 (per Florida records). Last verified 2026-10-09.

## At a glance

- Licensed since 2024 (per Florida records). This is license history on file, not total experience.
- Licensed in: Florida (FL, confirmed)
- License confidence: confirmed = state regulator roster; lender_reported = listed on the lender page only; federal_registration = inferred from a bank or credit union employer.
- Languages: not listed
- Profile: unclaimed
- Status: active

## Specialties


## Facts from the lender page and intro

- service_area: 49 states excluding NY. Source: https://s1l.com/loanofficer/carlosvelez/, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO131864 | active | confirmed | 2024-09-16 | state_regulator | 2026-10-09 |

## Employment history

- ? to present: Synergy One Lending (NMLS 1907235), San Diego, CA. Source: https://s1l.com/loanofficer/carlosvelez/, verified 2026-10-09.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/409864

## Contact

- View profile at Synergy One Lending: https://s1l.com/loanofficer/carlosvelez/
- Office phone and Email on file: shown at https://lendb.ai/lo/carlos-velez-409864#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/409864
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip
- lender_site: https://s1l.com/loanofficer/carlosvelez/

Cite as: Carlos Velez (NMLS 409864), Synergy One Lending. LenDb.ai, https://lendb.ai/lo/carlos-velez-409864, last verified 2026-10-09.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._