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Welcome

Optimal Financial (OF) offers residential and commercial mortgage products in ALL 50 states. Although some states have certain restrictions regulating loan processing, OF is certified to process loans in every state.

State law varies relative to processing. There are some states in which a mortgage broker license is necessary in order to process loan files. OF is able to boast that OF lead processors are licensed mortgage brokers. This firmly leaves OF at the top of the industry.

If you are located in one of the following BOLDED states then OF offers one of the only legal processing solutions for your mortgage needs.

Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut

Delaware
Florida
Georgia
Hawaii
Idaho

Illinois
Indiana
Iowa
Kansas
Kentucky

Louisiana
Maine

Maryland
Massachusetts
Michigan
Minnesota

Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire

New Jersey
New Mexico
New York
North Carolina
North Dakota

Ohio
Oklahoma
Oregon

Pennsylvania
Rhode Island
South Carolina
South Dakota

Tennessee
Texas
Utah
Vermont

Virginia
Washington
Washington, D.C.
West Virginia
Wisconsin,
Wyoming