First Option Mortgage NMLS #123411
Who is First Option Mortgage?
First Option Mortgage (NMLS #123411) is a lender or broker listed in the NMLS registry. FreeRateUpdate publishes this review alongside current mortgage rates, a rate finder, and mortgage calculators.
Key Facts
- Lender or brokerFirst Option Mortgage
- NMLS #123411
- Verified by FreeRateUpdateCompany name and NMLS ID, checked against NMLS on
- In the FreeRateUpdate network since
- Profile updated
- Biography reviewed byPaige Sutton, NMLS #1888684 ()
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Reported application outcomes and pricing, 2025
- 2025 home loan decisionsOf 2,058 applications decided by First Option Mortgage, LLC in 2025, 1,736 were originated, 241 were approved but not accepted by the borrower, and 81 were denied.
- Median rate spread0.663 (reported on 1,334 originations, 402 reported no spread at all -- a median of what was reported, not of everything originated)
That is an approval rate of 96.1%. Withdrawn, incomplete and purchased loans are not counted here and are not part of that rate.
These are reported outcomes from past applications, and on their own they do not show how this lender treated any borrower.
Evidence read 2026-10-10T21:01:13+00:00
Source: FFIEC HMDA data browser, 2025 filing. Historical HMDA-reported application outcomes and pricing fields for First Option Mortgage, LLC — historical outcomes for the applications it decided. This is not a statement of any consumer's likelihood of approval and not a current rate quote.
About First Option Mortgage
Overview
First Option Mortgage is a mortgage company that works with home-loan borrowers through a physical branch network. Its company record places the business in Suwanee, Georgia.
Locations
First Option Mortgage has 33 branches across 21 states.
Company details and licensing
First Option Mortgage, LLC is a Georgia limited liability company formed on October 3, 2003. Its headquarters are at 702 Old Peachtree Rd. NW, Suite 200, Suwanee, Georgia 30024.
Trade names connected with the company include Family Direct Mortgage, First Option Lending, and Lone Star Financing. Its NMLS company ID is 123411. Licensing is verifiable through NMLS Consumer Access.
Frequently Asked Questions
What is First Option Mortgage's NMLS number?
First Option Mortgage's NMLS number is 123411. You can look up its license status on NMLS Consumer Access, at nmlsconsumeraccess.org.
Has FreeRateUpdate verified First Option Mortgage's NMLS ID?
Yes. We checked First Option Mortgage's company name and NMLS ID against the NMLS record on December 17, 2025. They've been in our lender network since September 2011. That confirms who the company is. It isn't an endorsement, and it doesn't check their license in any particular state.
Where can I learn more about First Option Mortgage?
This page has First Option Mortgage's NMLS identity, which we verified, and its company details, with links to the records they come from where we have them. For its license status in a particular state, check NMLS Consumer Access.