About Us

WHO WE ARE

Founded in 1996, Synergy is a leading provider of mortgage regulatory compliance and loan fulfillment services. With decades of industry experience, we specialize in guiding financial institutions through the complexities of the mortgage industry. Our mission is to help our clients navigate the regulatory landscape with confidence, ensuring they meet compliance requirements while optimizing loan processes.

OUR MISSION

At Synergy, we are committed to empowering our clients to achieve their business goals through unparalleled expertise and innovative solutions. We strive to deliver exceptional service, helping financial institutions operate efficiently, reduce risk, and succeed in an ever-evolving market. Together, we build lasting partnerships based on trust, excellence, and a deep understanding of our clients’ unique needs.

WHO WE ARE

Founded in 1996, Synergy is a leading provider of mortgage regulatory compliance and loan fulfillment services. With decades of industry experience, we specialize in guiding financial institutions through the complexities of the mortgage industry. Our mission is to help our clients navigate the regulatory landscape with confidence, ensuring they meet compliance requirements while optimizing loan processes.

OUR MISSION

At Synergy, we are committed to empowering our clients to achieve their business goals through unparalleled expertise and innovative solutions. We strive to deliver exceptional service, helping financial institutions operate efficiently, reduce risk, and succeed in an ever-evolving market. Together, we build lasting partnerships based on trust, excellence, and a deep understanding of our clients’ unique needs.

SYNERGY AT A GLANCE

Every successful engagement is based on a sound strategy—one that makes sense for our customers, employees, investors, and you. Synergy offers a premier advisory team skilled in extracting value through expert analysis and tailored solutions. Our network of legal and accounting professionals provides clients with some of the most advanced resources available today. By developing a customized strategic plan for each client, we ensure accuracy and thorough preparation through extensive due diligence.

OUR SERVICES

We offer a comprehensive range of services designed to meet the diverse needs of our clients:

  • Mortgage Loan Quality Control: Ensuring that your loan processes meet regulatory standards.
  • Mortgage Loan Fulfillment: Streamlining loan origination and processing to enhance efficiency.
  • MERS Review Services: Providing thorough reviews to ensure compliance with MERS requirements.
  • Commercial Loan Reviews: Offering expert analysis and reviews to support your commercial lending operations.
  • Fair Lending Compliance Assessment: Helping you maintain fair lending practices and avoid regulatory penalties.
  • HMDA/AML/BSA: Ensure compliance with housing, anti-money laundering, and banking regulations by evaluating and enhancing organizational practices to meet your legal and financial standards.

OUR SERVICES

We offer a comprehensive range of services designed to meet the diverse needs of our clients:

  • Mortgage Loan Quality Control: Ensuring that your loan processes meet regulatory standards.
  • Mortgage Loan Fulfillment: Streamlining loan origination and processing to enhance efficiency.
  • MERS Review Services: Providing thorough reviews to ensure compliance with MERS requirements.
  • Commercial Loan Reviews: Offering expert analysis and reviews to support your commercial lending operations.
  • Fair Lending Compliance Assessment: Helping you maintain fair lending practices and avoid regulatory penalties.
  • HMDA/AML/BSA: Ensure compliance with housing, anti-money laundering, and banking regulations by evaluating and enhancing organizational practices to meet your legal and financial standards.

WHY CHOOSE US?

  • Expertise: Our team consists of seasoned professionals with deep industry knowledge.
  • Commitment: We are dedicated to helping our clients succeed by providing tailored solutions.
  • Integrity: We operate with the highest level of integrity, ensuring that all our services are delivered transparently and ethically.
  • Experience & Professionalism: These are the fundamentals on which Synergy was built, and they remain at the core of every client engagement.
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YEARS OF EXPERIENCE

Douglas Cunningham – Founder

Mr. Cunningham is a Co-Founder and President of Synergy. Prior to forming Synergy, Mr. Cunningham founded the mergers and acquisitions department of Sisung Securities Corporation, a regional securities firm, where he developed and executed numerous mergers, acquisitions, corporate reorganizations and financial advisory assignments in a broad range of industries.

Mr. Cunningham began his career as a tax specialist with KPMG Peat Marwick, where he was involved in the structuring of financial transactions and preparation of corporate regulatory filings.

Mr. Cunningham earned a Master of Business Administration Degree and a Bachelor of Arts Degree in Accounting from Loyola University. In addition, he is a Certified Public Accountant (currently unlicensed) and a business valuations specialist.

Our Team

Our executive management team comprises industry veterans with extensive experience in mortgage lending, regulatory compliance, and financial services. Each member brings a wealth of knowledge and a commitment to excellence, ensuring that our clients receive the highest level of service.

Key Services

Synergy is proud to offer a range of options including:

1

SYNERGY CAPITAL SERVICES
Synergy is a specialized consulting firm that provides regulatory advisory and consulting services to mortgage banks and financial institutions throughout the United States. Learn More.

2

SYNERGY COMPLIANCE SERVICES
Synergy Capital is an investment banking and capital advisory firm specializing in merger & acquisition advisory, credit risk analysis and structured capital arrangement services to middle market companies throughout the United States. Learn More.

3

SYNERGY FULFILLMENT SERVICES
As a preferred provider for leading investors in the mortgage industry, we are your trusted partner for comprehensive mortgage fulfillment services, including processing and underwriting. Rely on our expertise to ensure seamless and efficient operations. Learn More.

Who Holds Commercial & Multifamily Mortgages

For outstanding debt increase in First-Quarter of 2024.

Commercial Banks 38%
Agency, GSE portfolios, and MBS 22%
Life Insurance Companies 15%
CMBS, CDO, and other ABS issues 13%

Source: Real Estate Arama

Mortgage Loans Reviewed Since 2015

Mortgage News
  • Beyond Manual Checks: Leveraging Technology and Outsourcing for Robust Mortgage Quality Control and Compliance in 2025
    by synergy on September 9, 2025 at 8:39 am

    In an era of heightened regulatory scrutiny and evolving market dynamics, traditional manual compliance processes are proving insufficient for mortgage lenders and servicers. The need for agility, accuracy, and efficiency in quality control (QC) and regulatory adherence has never been more critical. Forward-thinking financial institutions are increasingly turning to technology and specialized outsourcing partners to … Continue reading Beyond Manual Checks: Leveraging Technology and Outsourcing for Robust Mortgage Quality Control and Compliance in 2025 →

  • Market Momentum: Rate Relief, Crypto Convergence, and Lender Resilience in 2025
    by synergy on September 9, 2025 at 8:32 am

    The mortgage market in 2025 is a tapestry of evolving trends, offering glimpses of relief for homebuyers while challenging lenders to adapt to new financial instruments and persistent profitability pressures. As the industry navigates a period of rate volatility and affordability strain, strategic insights into these shifts are essential for executives charting their course through … Continue reading Market Momentum: Rate Relief, Crypto Convergence, and Lender Resilience in 2025 →

  • December 1, 2025: Ignoring FinCEN’s Real Estate Reporting Rule Could Spell Financial Ruin
    by synergy on September 9, 2025 at 8:01 am

    The landscape of U.S. real estate transactions is about to shift dramatically. On December 1, 2025, the Financial Crimes Enforcement Network (FinCEN) will begin enforcing its final rule on Anti-Money Laundering (AML) regulations for residential real estate transfers. This regulation, published in the Federal Register on August 29, 2024, is more than a procedural change—it … Continue reading December 1, 2025: Ignoring FinCEN’s Real Estate Reporting Rule Could Spell Financial Ruin →

Mortgage Loans Reviewed Since 2015

Mortgage News

We invite you to reach out to learn more about how Synergy can support your business. Whether you need assistance with compliance, loan fulfillment, or any of our other services, we are here to help.

Inquire Now