Amy Otto
AVP | Senior Mortgage Loan Advisor at Charter West Bank · Grand Island, NE
NMLS ID 491143 (opens in a new tab) · verify at NMLS Consumer Access
Amy Otto, NMLS 491143, works as a mortgage loan officer at Charter West Bank in Grand Island, Nebraska. Amy's lender page shows a focus on first-time buyer, FHA loan and USDA loan.
Last verified . Sources: Charter West Bank (charterwest.com) and NMLS Consumer Access (license status, check live).
- 25 years experience (stated)
- Likely federally registered
- Unclaimed profile
- Disciplinary history not yet checked
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 list first-time buyer as a focus?
- Amy's profile lists first-time buyer as a focus (from their lender profile page). It also lists FHA loan, USDA loan and VA loan.
- Source: lender page (opens in a new tab)
- What lender does Amy work for?
- Charter West Bank, company NMLS 466077, from the Grand Island, NE office, per the lender's own site (verified 2026-10-16).
- Source: lender site (opens in a new tab)
- How much experience does Amy have?
- Amy states 25 years of experience.
- Source: the loan officer's own statement (opens in a new tab)
Specialties
Focus
- Focus: First-time buyer(from their lender profile page)
- Focus: FHA loan(from their lender profile page)
- Focus: USDA loan(from their lender profile page)
- Focus: VA loan(from their lender profile page)
Where we saw these: charterwest.com (opens in a new tab)
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
No license list on file yet. Check NMLS Consumer Access (opens in a new tab) for every state this person is licensed in.
Likely federally registered: works at a bank. Federally registered MLOs aren't state-licensed; verify at NMLS (NMLS Consumer Access (opens in a new tab)).
Contact
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Employment history
Charter West Bank NMLS 466077
Current · Grand Island, NE · seen on lender site 2026-10-16
Disciplinary history
Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access (opens in a new tab).
Sources
| Name and employer | lender site · charterwest.com (opens in a new tab) | verified 2026-10-16 |
| Specialties | lender site · charterwest.com (opens in a new tab) | verified 2026-10-26 |
| Contact | lender site · charterwest.com (opens in a new tab) | verified 2026-10-16 |
| Photo | lender site · charterwest.com (opens in a new tab) | verified 2026-10-16 |
| License status | NMLS Consumer Access (opens in a new tab) | check live |
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Cite as: Amy Otto (NMLS 491143), Charter West Bank. LenDb.ai, https://lendb.ai/lo/amy-otto-491143, last verified 2026-10-16.
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