Optimum First Mortgage Review
See how often this lender's Bankrate auction price beats comparable loans from 2025.
Bankrate verified lender
This lender is a Bankrate Auction Participant, meaning we verify their offer authenticity and hold them to high standards to ensure you get the best possible rate offer.
How Bankrate scores Optimum First Mortgage
Optimum First Mortgage doesn't appear in public mortgage records under its own name, so it doesn't have an Overall Rating. We still score its pricing on the same measures we use for every lender, so you can compare it fairly against your other options.
- Price competitiveness
How often this lender's borrowers got an interest rate at or below the median rate for similar loans.
5 out of 5 - Amount of overpayment
How much more this lender's borrowers paid than the lowest-cost mortgage offer for a similar borrower and loan, almost always found exclusively through Bankrate's auction.
5 out of 5 - —Customer complaints
no CFPB complaint on record
Not rated - —Where and what they lend
10+ Bankrate customers in 16 states; 100+ in 14. No public lending data for this company, so this stays a comparison point for you rather than a star.
Not rated
No lender can pay for a higher Bankrate Rating. Every score comes from the same data and criteria.
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What Bankrate's editors think
Optimum First Mortgage works a bit differently than a typical single-lender shop: it actively shops with multiple lenders for a borrower’s rate, by its own description, while also being licensed to fund loans directly. It’s closed more than 40,000 loans since 2008 across 15 states, with a menu of conventional, FHA, VA and jumbo loans, plus an alternative-income option for borrowers who don’t fit a standard W-2 profile, though rates and fees run higher there.
Conventional loans can close in as few as 14 days, and its Close On-Time Advantage pays up to $1,000 toward costs if a delay is Optimum’s fault. About 89% of its mortgages were priced below comparable loans in 2025, and it charges less in added costs than roughly 80% of lenders that we review. Separately, nothing shows up on its CFPB complaint or enforcement record.
The catch is that you’ll need to share your contact information before seeing a personalized rate, and its 15-state license list means it isn’t available everywhere.
At a glance
Good for borrowers who want a broker that shops multiple lenders for a competitive rate, available in 15 states. Not a good fit if you live outside its footprint or want to see a rate before submitting your contact information.
What consumers say
Optimum First Mortgage reviewers most often describe a team that is easy to reach and a closing that stays on schedule. A similarly large group credits the loan officer with keeping them informed at each step.
Would Recommend
Sean, my loan officer, was always quick to respond, informative, and helpful throughout the entire mortgage process. Julie, our loan processor, was incredibly organized and made gathering and submitting all the required documents and information a smooth and effortless experience. Both were great to work with, and I really appreciated their communication and professionalism throughout the process. Highly recommend!
Kotaro · Los Angeles
Excellent Service and Smooth Home Loan Experience
We had a great experience working with Alyssa and her team for our home loan. Alyssa was very professional, responsive, and helpful throughout the entire process. She patiently answered all our questions, explained the loan options clearly, and guided us through every step until closing. The entire team was supportive and made the process smooth and easy. We really appreciate their efforts and highly recommend them to anyone looking for a home loan!
Ketan · Pittsburgh
Rashedul Home Mortgage
It was really very good experience working with them. From very beginning to end communication was smooth. Thanks for providing great service.
Rashedul H. · Fremont, CA
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