Toby Arceneaux
Vp, Production
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
Location & Business Hours
Business Hours
Tues
9 AM to 5 PM
Wed
9 AM to 5 PM
Thu
9 AM to 5 PM
View All days
Search Reviews
Search
Write a Review
Overall Ratings
Filter by Date
Range
Filter by Rating
Reviews from Web
Very fast, reliable the communication was excellent . I couldn't have asked for a better person to have done our loan and service ! Thank you
Reply from Toby Arceneaux
March 16th, 2026 08:15 PM
Derrick, I appreciate your positive feedback. It's gratifying to know that the communication met your expectations and that you felt supported throughout the loan process. If there's anything else I can assist you with in the future, please...
read more
I had an outstanding experience with Synergy One Lending! Toby Arceneaux was absolutely fantastic throughout the entire process. He was knowledgeable, responsive, and made everything feel smooth and stress-free from start to finish.Sarah Delaney...
read more
Reply from Toby Arceneaux
March 9th, 2026 08:19 PM
Thank you, Teresa, for such a thoughtful review. It was a pleasure to assist you through the lending process. I'm glad to hear that my efforts helped make everything smooth and stress-free for you. Sarah and I strive to ensure our clients feel...
read more
Toby has assisted me in the past with financing.
I knew I could count on his professional and personal service which allowed for a smooth process.
He did not disappoint.
I'll gladly refer anyone in need of mortgage financing to Toby.
and his team were so pleasant, informative and helpful for this client. They were very used to going to an online company that advertises low rates but isn't transparent with other fees , so to get a personal service and have everything explained...
read more
Everything was wonderful
Faster communications, Making a list of tasks rather than one at a time. The experience was very stressfull.
Reply from Toby Arceneaux
August 16th, 2025 11:12 PM
Appreciate your feedback. Specialty Investment products can be confusing at times especially with an initial 3 week window to close. We will improve better communication of what is needed upfront. Appreciate your business
Toby is so professional and experienced
Everyone was always willing to help or answer my questions without a hesitation and were happy to do so! Great experience, would recommend to anyone.
Toby and his team are always professional and available to answer questions, the loan terms were great, and my client is very pleased with the service!
Best team in the state! Very helpful with the entire loan process and will explain every detail and took great care of me!
11–20 of 20
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
Search Rank ScoreLearn More →
What is the Search Rank Score®?
Experience.com’s Search Rank Score measures a professional’s online search visibility across hundreds of key SEO attributes.
Time Zone
Pacific Standard Time (PST)
Licenses
- NMLS: 96596
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.
• https://s1l.com/privacy-policy/
• https://s1l.com/licensing/
• https://www.nmlsconsumeraccess.org/Enti-tyDetails.aspx/COMPANY/1907235