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    Loan Factory - The Next Generation Lender

    4.5 (28 reviews)
    Open 9:00 am - 6:00 pm

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    Response time

    10 minutes

    Response rate

    100%

    Services - Loan Factory - The Next Generation Lender

    Mortgage services

    Mortgage refinancing

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    2 years ago

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    1 year ago

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    5 years ago

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    6 years ago

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    6 years ago

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    5 years ago

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    6 years ago

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    6 years ago

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    5 years ago

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    7 years ago

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    7 years ago

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    6 years ago

    Loan factory delivered as promised, good services. I would use this company again, thank you Huy and Anh.

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    6 years ago

    Great service and best rates! Thank you for a very smooth transaction and excellent customer service!

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    7 years ago

    Duc Hoang reached out after all to help me with refinancing. We fixed problems together and I highly recommend his service.

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    6 years ago

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    5 years ago

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    5 years ago

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    6 years ago

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    6 years ago

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    9 years ago

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    6 years ago

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    6 years ago

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    Ask the Community - Loan Factory - The Next Generation Lender

    Review Highlights - Loan Factory - The Next Generation Lender

    From my first contact with CEO Thuan Nguyen to Khao Tran my loan POC, it was a seamless and pleasant experience.

    Mentioned in 4 reviews

    Read more highlights

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    Optimum First Mortgage - The Team "Optimum First Mortgage"

    Optimum First Mortgage

    (719 reviews)

    Honestly, my refinance started off pretty stressful, but Angel Chavez completely turned things…read morearound. He stepped in and took over my loan and from that point on, things felt much more manageable. He was always clear, easy to talk to, and kept me in the loop. He also made sure the original terms I was quoted were honored, which I really appreciated given how much rates were changing at the time. We closed on time and everything went smoothly in the end. I'd definitely recommend working with him. I'm really grateful for his help and would absolutely recommend him.

    ​Caution: Non-Standard "Teaser" Rates & Bait-and-Switch Tactics…read more​I had a very concerning experience with Optimum First Mortgage. I was initially quoted a highly specific interest rate of 5.123% (a non-standard figure in this industry). Based on this quote, I submitted my sensitive financial documents and authorized a hard credit pull. ​Once they had my data, the rate was significantly increased. When I questioned this, the Sales Manager (James) admitted in writing that the original quote was based on "incorrect input assumptions" and was a "human error." This feels like a classic bait-and-switch: lure the borrower in with an unrealistic rate to harvest their data and credit authorization, then claim "clerical error" to move the price. ​I have officially withdrawn my application and filed formal complaints with the CFPB and the California DFPI regarding these deceptive practices. If you are shopping here, be extremely wary of any quote that seems too good to be true--it likely is. UPDATE TO RESPONSE: Nice try shifting the blame. The data I provided didn't change, but your numbers did. You provided a correct quote, then dangled a fake 5.123% rate to get me to apply, then 'switched' back to the higher rate after harvesting my data. Your Sales Manager already admitted the error was on YOUR end, yet here you are publicly blaming me. This is exactly why I've filed formal complaints with federal and state regulators (CFPB and DFPI). Prospective borrowers: if they quote you a weird number like 5.123%, run. They are just 'capturing the lead' with a rate that doesn't exist.

    Loan Factory - The Next Generation Lender - mortgagebrokers - Updated July 2026

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