Stephen Kustra

OPTIMUM FIRST INC.

NMLS ID 488396 (opens in a new tab) · verify at NMLS Consumer Access

Stephen Kustra (NMLS 488396) is a mortgage loan officer at OPTIMUM FIRST INC., licensed in Texas since 2026 and in Florida, California and Illinois.

Last verified . Sources: OPTIMUM FIRST INC. (sml.texas.gov), Florida state regulator, Texas state regulator, California state regulator, Illinois state regulator and NMLS Consumer Access (license status, check live).

Quick answers

Is Stephen licensed in Florida?
Yes. Florida regulator records list license LO150238 as active, first effective August 11, 2026 (verified 2026-10-15). LenDb has 3 other states on file for Stephen.
Source: Florida state regulator (opens in a new tab)
What lender does Stephen work for?
OPTIMUM FIRST INC., company NMLS 240415, per the lender's own site (verified 2026-10-13).
Source: lender site (opens in a new tab)
How long has Stephen been licensed?
The earliest state license record LenDb holds for Stephen is from August 6, 2026 (Texas regulator). That is a record date from the rosters we hold, not proof of continuous licensure.
Source: Texas state regulator (opens in a new tab)

Specialties

Focus

No focus listed on their lender page yet.

    Focus is the loan officer's own: their bio, title, a certification or their own specialty list on their lender page, or what they report. Programs their lender offers are listed separately and never count as their focus in search.

    Licensed states

    AKMEVTNHWAIDMTNDMNILWIMINYMARIORNVWYSDIAINOHPANJCTCAUTCONEMOKYWVVAMDDEAZNMKSARTNNCSCDCOKLAMSALGAHITXFL

    Florida, Texas, California, Illinois

    ✓ Confirmed with the state regulator: FL (opens in a new tab) (LO150238, first effective 2026-08-11), TX (opens in a new tab), CA DRE (opens in a new tab) (01233285), IL (opens in a new tab) (31.0095917, first effective 2026-08-07), verified 2026-10-15.

    Contact

    No public business contact on file.

    We never see who you contact.

    Employment history

    1. OPTIMUM FIRST INC. NMLS 240415

      Current · seen on lender site 2026-10-13

    Disciplinary history

    Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access (opens in a new tab).

    Sources

    Name and employerstate regulator · sml.texas.gov (opens in a new tab)verified 2026-10-13
    Licenses (regulator)state regulator · idfpr.illinois.gov (opens in a new tab)verified 2026-10-28
    License statusNMLS Consumer Access (opens in a new tab)check live

    Also available as Markdown, JSON, or via the API.

    Cite as: Stephen Kustra (NMLS 488396), OPTIMUM FIRST INC.. LenDb.ai, https://lendb.ai/lo/stephen-kustra-488396, last verified 2026-10-28.

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