Optimal Loans NMLS #1315421
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Key Facts
- Lender or brokerOptimal Loans
- NMLS #1315421
- Verified by FreeRateUpdateCompany name and NMLS ID, checked against NMLS on
- In the FreeRateUpdate network since
- Profile updated
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About Optimal Loans
Overview
Optimal Loans is the trade name of Saggal Investments,Inc, a California corporation based in Castro Valley, California.
The company describes itself as an online mortgage broker channel that gives borrowers access to loan products from lenders. Its site discusses home purchase and refinance loans, with borrowers comparing rates and terms before choosing among loan options.
Business Type
Saggal Investments,Inc is a corporation. Optimal Loans presents itself publicly as an online mortgage broker channel for home purchase and refinance loans.
Website Branding
The company uses the trade name Optimal Loans and operates its public website at https://www.optimalloans.com. The site is branded around competitive mortgage rates and home loans.
Headquarters
Saggal Investments,Inc is headquartered at 4061 E. Castro Valley Blvd, #260, Castro Valley, CA 94552. The company was formed in California, United States.
Years in Operation
Saggal Investments,Inc was formed on March 18, 2014. As of 2026, that makes the company 12 years old.
Loan Types
Optimal Loans describes loan options that include adjustable rate mortgages, FHA home loans, VA loans, USDA loans, jumbo home loans, 30-year fixed mortgages, 15-year fixed mortgages, and investment property loans.
The company also discusses home purchase and refinance financing. In ordinary mortgage English, that means its menu covers both buying a property and replacing an existing loan with a new one.
Scale
No branch locations are recorded for the company.
NMLS ID
Saggal Investments,Inc has NMLS company ID 1315421. Consumers can verify license status through the NMLS Consumer Access website.
Disclaimer
NMLS ID: 1315421. Licensing information is subject to change, and readers should verify details directly with the lender or through NMLS Consumer Access. This profile is for informational purposes only.
Verify NMLS #1315421 on NMLS Consumer Access
Sources
Sources last checked . These are the outside records this profile was written from. FreeRateUpdate is not affiliated with them, and they have not reviewed, endorsed, or approved FreeRateUpdate or this page.
Frequently Asked Questions
What is Optimal Loans's NMLS number?
Optimal Loans's NMLS number is 1315421. You can look up its license status on NMLS Consumer Access, at nmlsconsumeraccess.org.
Has FreeRateUpdate verified Optimal Loans's NMLS ID?
Yes. We checked Optimal Loans's company name and NMLS ID against the NMLS record on August 20, 2026. They've been in our lender network since March 2026. 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 Optimal Loans?
This page has Optimal Loans'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.