You’re telling on yourself quite a bit here. Your mental health doesn’t have to suffer if you find a “biologically mature” woman attractive but after a certain age if you’re seeing a “hot woman” and not “a young girl” there definitely is some deviation from the norm.
We’re talking about sexual attraction to children that don’t know how to file their taxes and are just learning what it means to be an adult. If your sexual attraction to someone is purely physical and not affected by your rational mind telling you that they’re a kid then there really is a bit of a disconnect there.
Maybe you’re closer in age to them than I am, there’s certainly a range of “adult ages” where people are still developing mentally, but when you’re old enough that you’re finding a woman SEXUALLY attractive who is the age of your daughter or your friends’ daughters that’s a red flag and worth some introspection.