---
canonical_url: https://lendb.ai/lo/amy-hayes-226321
json_url: https://lendb.ai/lo/amy-hayes-226321.json
nmls_id: 226321
last_verified: 2026-10-16
---

# Amy Hayes

AVP | Senior Mortgage Loan Advisor at Charter West Bank, Elkhorn, NE. NMLS ID 226321 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/226321)).

Amy Hayes (NMLS 226321) is a mortgage loan officer at Charter West Bank in Elkhorn, Nebraska. Amy's own profile lists VA loan as a focus.

**Summary:** Amy Hayes (NMLS 226321) is AVP | Senior Mortgage Loan Advisor at Charter West Bank, based in Elkhorn, NE. Works at a bank, so likely federally registered: Federally registered MLOs aren't state-licensed; verify at NMLS. Focus areas shown on the lender page: VA loan. Earliest state license record: August 22, 2013 (Iowa), per state regulator. Last verified 2026-10-16.

## Quick answers

### Is Amy licensed?

Amy works at a bank; bank loan officers register with NMLS federally instead of holding state licenses. Verify at NMLS Consumer Access. Source: employer type in LenDb's lender registry.

### Does Amy do VA loans?

Amy's profile lists VA loan as a focus (from their lender profile page). Source: https://www.charterwest.com/mortgage-officers/amy-hayes/.

### What lender does Amy work for?

Charter West Bank, company NMLS 466077, from the Elkhorn, NE office, per the lender's own site (verified 2026-10-16). Source: https://www.charterwest.com/mortgage-officers/amy-hayes/.

### How long has Amy been licensed?

The earliest state license record LenDb holds for Amy is from August 22, 2013 (Iowa regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Source: https://idob.iowa.gov/.

## At a glance

- Earliest state license record: August 22, 2013 (Iowa), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Also licensed as (state regulator records, same NMLS ID): Amy L. Hayes (IA, as of 2026-10-19)
- Licensed in: no license list on file; check NMLS Consumer Access
- Federal registration: likely (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS.
- License confidence: confirmed = state regulator roster; lender_reported = listed on the lender page only; federal_registration = inferred from a bank or credit union employer.
- Languages: not listed (Languages come only from the loan officer's own lender page, and most lender pages do not list languages. A language that is not listed means not stated, not that the loan officer does not speak it.)
- Profile: unclaimed
- Status: active

## Specialties

### Focus (officer level: their own bio, title, certification, specialty list or claim)

- **VA loan** (`va`): from their lender profile page, confidence 0.85, verified 2026-10-26. Source: https://www.charterwest.com/mortgage-officers/amy-hayes/

## About

Amy Hayes has been assisting borrowers since 2005 and is a NAMB Certified Veterans Lending Specialist. Their page also says they work with first-time buyers, repeat buyers and second homes.

Source: LenDb summary of the lender page, verified 2026-10-16.

## Facts from the lender page and intro

- years_experience: since 2005. Source: https://www.charterwest.com/mortgage-officers/amy-hayes/, verified 2026-10-16.
- credential: NAMB Certified Veterans Lending Specialist. Source: https://www.charterwest.com/mortgage-officers/amy-hayes/, verified 2026-10-16.

## Licenses

| State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|---|
| IA | Iowa regulator | state_license | 21846 | expired | confirmed | 2013-08-22 | state_regulator | 2026-10-20 |

## Employment history

- ? to present: Charter West Bank (NMLS 466077), Elkhorn, NE. Source: https://www.charterwest.com/mortgage-officers/amy-hayes/, verified 2026-10-16.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/226321

## Contact

- View profile at Charter West Bank: https://www.charterwest.com/mortgage-officers/amy-hayes/
- Office phone and Email on file: shown at https://lendb.ai/lo/amy-hayes-226321#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/226321
- state_regulator: https://idob.iowa.gov/
- lender_site: https://www.charterwest.com/mortgage-officers/amy-hayes/

Cite as: Amy Hayes (NMLS 226321), Charter West Bank. LenDb.ai, https://lendb.ai/lo/amy-hayes-226321, last verified 2026-10-16.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._