

Jim Murphy
Producing Branch Manager


Washington State University
Synergy One Lending, Inc. is a San Diego based mortgage lender that puts the client first. We understand the needs, wants and concerns of the client, which is why we dedicate ourselves to providing the best customer experience for each tran... Show More
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24 hours
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Reviews from Web
Smooth and straightforward. Easy portal to navigate.
Reply from Jim Murphy
February 9th, 2026 04:55 PM
I appreciate your feedback, Jordan. It's great to know that you found the process smooth and the portal easy to navigate. If you ever have any more questions or need assistance, don't hesitate to contact me. Thank you for choosing Synergy One...
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Jim and his team know their stuff. They understood our unique needs and found the right product for us.
Reply from Jim Murphy
February 4th, 2026 08:15 PM
Thank you for sharing your experience, John. I'm glad to hear that you felt my team and I understood your unique needs and were able to find the right solution for you. If you have any further questions or need assistance down the road, please...
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Awesome result, great team, pleasure to work with.
Reply from Jim Murphy
January 24th, 2026 08:02 PM
I appreciate your positive feedback, Brian. I'm glad to hear you had a great experience and enjoyed working with the team and me. If there's anything else you need or wish to discuss in the future, please feel free to reach out. Thank you for...
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Always responsive and clear with explanations
Reply from Jim Murphy
January 22nd, 2026 01:08 AM
I'm pleased to hear that you found my communication clear and responsive, Vladimir. It's important to me that clients feel informed and supported throughout the process. If you ever need further assistance or have any questions, please don't...
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Jim Murphy was fantastic to work with. There were some nerves around the appraisal, but Jim handled it calmly and professionally and kept everyone informed every step of the way. Everything ultimately worked out exactly as it should, and we...
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Be more clear when communicating timelines and required actions.
Reply from Jim Murphy
January 18th, 2026 09:14 PM
Thank you for your feedback, Daniel. I apologize for any confusion regarding timelines and necessary steps. Clear communication is vital, and I'm committed to improving in this area. If there's anything specific you'd like to discuss or suggest...
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Jim's in-depth knowledge and understanding of the mortgage world is fantastic. His customer service, response time, and results are as good as it gets! Thanks Jim!!
Reply from Jim Murphy
January 18th, 2026 04:45 PM
I'm grateful for your kind words, Tara. It's fulfilling to know that my knowledge of the mortgage industry and my commitment to customer service have resonated with you. If there's ever anything more you need or questions you have in the future,...
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Integrity! He did what he said he was going to do. Overall, Jim and his team was great to deal with!
Reply from Jim Murphy
January 17th, 2026 05:23 PM
I'm glad to hear that you appreciated the integrity and dedication shown, Kenneth. Staying true to my word is very important to me, and it's rewarding to know that it made your experience positive. If you have any questions or need any further...
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Great experience with Jim and his team. This is the second loan I've taken out with him/team and will continue to do so in the future!
Reply from Jim Murphy
January 15th, 2026 07:32 PM
I'm pleased to know you had a positive experience with us once again, Derek. It's encouraging to hear that you plan to work with me in the future for your lending needs. If you have any questions or need assistance anytime, feel free to get...
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Jim and his team were wonderful to work with . They made the whole experience smooth and with minimal stess. Great communication and very personable !
Reply from Jim Murphy
January 3rd, 2026 05:48 PM
It’s great to hear that you found the process smooth and stress-free, Natalie. Providing clear communication and a personable experience are priorities for me. If there's anything more I can assist you with in the future, please don't hesitate...
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About
Synergy One Lending, Inc. is a San Diego based mortgage lender that puts the client first. We understand the needs, wants and concerns of the client, which is why we dedicate ourselves to providing the best customer experience for each transaction.
Our core values drive our business from the ground up and are reflected among every department, employee, manager and executive. Striving for excellence is not just a goal to us, it's a state of mind.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Down Payment Assistance
Home Renovation Loan
Mortgage Refinance
Construction Loan
Bridge Loans
Non-QM
Reverse Loans
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Education
- Washington State UniversityBusiness Administration / FinanceBA managementApr 2004 -Dec 2008

Addresses and Serving Areas
Primary Serving Area
Other Serving Areas
Time Zone
Pacific Standard Time (PST)
Licenses
- NMLS - 1275965 - Licensed in: Washington, Idaho, Oregon, Arizona, California, and Colorado
Disclaimer
Synergy One Lending, Inc., NMLS 1907235 | www.nmlsconsumeraccess.org | 610 W. Ash Street, Suite 1505, San Diego, CA 92101 | (888) 995-1256 | State required licensing information: AZ BK #1006787; Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Act and the California Financing Law license; GA Residential Mortgage Licensee #70829; KS Mortgage Company License #MC.0025627 and KS Supervised Loan License #SL.0026885; MA Mortgage Lender/Broker License #MC1907235; NV Mortgage Company License #5186; Licensed by the N.J. Department of Banking and Insurance; OH Registration #RM.804609.000; Rhode Island Licensed Lender and Broker. Not affiliated with any government agency. All Loans are subject to underwriting approval. Terms and Conditions apply. Subject to change without notice. Equal Housing Opportunity.
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• https://s1l.com/licensing/
• https://www.nmlsconsumeraccess.org/Enti-tyDetails.aspx/COMPANY/1907235