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 is a mortgage broker, not a direct lender — it doesn't originate loans itself. 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 pay at or below the typical price for a comparable loan.
5 out of 5 - Amount of overpayment
How much extra borrowers ended up paying with this lender compared to the best price for a comparable loan. A higher percentile score is always better.
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 lending-reach data from this broker, 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
Summary: 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.
Smooth First-Time Buying Experience — Clear to Close in 2 Weeks!
Working with Mila and Aaron was amazing. As a first-time homebuyer, I had tons of questions, and they made the entire process clear and stress-free. Mila was incredibly fast and responsive with daily coordination, while Aaron handled the documentation and underwriting side with impressive speed. We got CTC in just two weeks and closed right on time. Highly recommend this team!
Kyle · CA
Smooth Loan Process and On-Time Closing
I highly recommend Optimum First Mortgage! This was my first time working with their team, and I had a great experience, especially with Kelly. She helped make the loan process smooth and ensured my loan closed on time. I appreciate the team’s support and effort throughout the process. Having Kelly’s help made the experience less stressful, and I’m grateful for her dedication to getting everything ready for closing. Thank you, Kelly and the Optimum team, for making my first experience a positive one!
Kakada · Washington
Competitive, Professional, and Expedient
Working with this lender was an outstanding experience. They offered highly competitive rates, maintained complete professionalism throughout the process, and handled everything with impressive speed. I highly recommend them for anyone looking to secure a home mortgage.
Cody · Houston, TX
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