Mortgage company · complaint record
Optimum First complaints
Filed under Optimum First, Inc.
Consumers have filed 8 complaints about Optimum First since 2024, 6 of them in the last 12 months. It answered 100% on time and closed 0% with relief for the customer. The most common problem is applying for a mortgage or refinancing an existing mortgage.
Rated once a company has 25+ complaints in 12 months. How it works
- Complaints on record
- 8
- Last 12 months
- 6
- Answered on time
- 100%
- Closed with relief
- 0%
- Last 30 days
- 0
- Rank
- #175 of 595
Since August 2024
new vs the year before
Industry: 96%
Typical mortgage company: 5%
Newest: Aug 20, 2026
Most complained-about mortgage lenders & servicers
Optimum First complaints by month
The busiest month was August 2026 (3 complaints). Complaints rise with a company's size and with news, so compare trends rather than totals.
How Optimum First answered all time
- Closed with explanation8100%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
Top Optimum First problems
Inside "Applying for a mortgage or refinancing an existing mortgage"
- Delays in the application process 2
- Loan estimate or other related disclosures 1
- Changes in loan terms during the application process 1
Where Optimum First complaints come from
Most complaints: California (3), Florida (1), Ohio (1), Texas (1), Washington (1).
Optimum First compared with other mortgage lenders & servicers
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Midwest Loan ServicesMortgages | 50 | 29 | C |
| 2 | Truhome SolutionsMortgages | 43 | 28 | D |
| 3 | NEXA MortgageMortgages | 8 | 28 | F |
| 4 | HilltopMortgages | 51 | 28 | C |
| 5 | Land Home Financial ServicesMortgages | 21 | 27 | F |
| 6 | First United Bank and TrustMortgages | 60 | 27 | C |
| 7 | A&D MortgageMortgages | 45 | 25 | D |
| 8 | Optimum FirstMortgages | - | 6 | - |
Compare side by side: Optimum First vs Midwest Loan Services · Optimum First vs Truhome Solutions · Optimum First vs NEXA Mortgage · Optimum First vs Hilltop
What people say about Optimum First
All experiencesNo experiences with Optimum First yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Optimum First complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Aug 20, 2026 | Mortgages | Closing on a mortgageFees or costs after closing | Explained |
| Aug 19, 2026 | Mortgages | Closing on a mortgageChanges in loan terms during or after closing | Explained |
| Aug 11, 2026 | Mortgages | Closing on a mortgageChanges in loan terms during or after closing | Explained |
| Jul 13, 2026 | Mortgages | Applying for a mortgage or refinancing an existing mortgageDelays in the application process | Explained |
| Jul 4, 2026 | Mortgages | Applying for a mortgage or refinancing an existing mortgageChanges in loan terms during the application process | Explained |
| Jun 30, 2026 | Mortgages | Applying for a mortgage or refinancing an existing mortgageLoan estimate or other related disclosures | Explained |
| Dec 4, 2024 | Mortgages | Applying for a mortgage or refinancing an existing mortgageDelays in the application process | Explained |
| Aug 26, 2024 | Mortgages | Closing on a mortgageChanges in loan terms during or after closing | Explained |
Questions about Optimum First
How many complaints does Optimum First have?
Optimum First has 8 complaints on record since August 2024, including 6 in the last 12 months and 0 in the last 30 days. That makes it number 1,757 of every company by complaints this year.
Does Optimum First respond to complaints?
Yes. Optimum First answered 100% of its complaints on time (within 15 days) and closed 0% with relief - money back or a fix; 0% ended with money back. The rest were mostly closed with an explanation only.
What do people complain about most with Optimum First?
The most common problems are applying for a mortgage or refinancing an existing mortgage (4), closing on a mortgage (4).
Is Optimum First legit?
Optimum First is a real company with a public complaint record: consumers have complained about it 8 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Optimum First legit? for the signals, red flags and how to protect yourself.
How do I file a complaint against Optimum First?
Complain to Optimum First in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most Optimum First complaints come from?
Most come from California (3), Florida (1), Ohio (1). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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