---
canonical_url: https://lendb.ai/lo/amy-otto-491143
json_url: https://lendb.ai/lo/amy-otto-491143.json
nmls_id: 491143
last_verified: 2026-10-16
---

# Amy Otto

AVP | Senior Mortgage Loan Advisor at Charter West Bank, Grand Island, NE. NMLS ID 491143 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/491143)).

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.

**Summary:** Amy Otto (NMLS 491143) is AVP | Senior Mortgage Loan Advisor at Charter West Bank, based in Grand Island, 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: First-time buyer, FHA loan, USDA loan and VA loan. States 25 years of experience. 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 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: https://www.charterwest.com/mortgage-officers/amy-otto/.

### 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: https://www.charterwest.com/mortgage-officers/amy-otto/.

### How much experience does Amy have?

Amy states 25 years of experience. Source: https://www.charterwest.com/mortgage-officers/amy-otto/.

## At a glance

- Earliest state license record: none on file. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Years experience (stated by the LO): 25 (source: https://www.charterwest.com/mortgage-officers/amy-otto/, verified 2026-10-16)
- 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)

- **First-time buyer** (`first-time-buyer`): from their lender profile page, confidence 0.85, verified 2026-10-26. Source: https://www.charterwest.com/mortgage-officers/amy-otto/
- **FHA loan** (`fha`): from their lender profile page, confidence 0.60, verified 2026-10-26. Source: https://www.charterwest.com/mortgage-officers/amy-otto/
- **USDA loan** (`usda`): from their lender profile page, confidence 0.60, verified 2026-10-26. Source: https://www.charterwest.com/mortgage-officers/amy-otto/
- **VA loan** (`va`): from their lender profile page, confidence 0.60, verified 2026-10-26. Source: https://www.charterwest.com/mortgage-officers/amy-otto/

## Facts from the lender page and intro

- years_experience: 25. Source: https://www.charterwest.com/mortgage-officers/amy-otto/, verified 2026-10-16.

## Licenses

| State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|---|

## Employment history

- ? to present: Charter West Bank (NMLS 466077), Grand Island, NE. Source: https://www.charterwest.com/mortgage-officers/amy-otto/, 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/491143

## Contact

- View profile at Charter West Bank: https://www.charterwest.com/mortgage-officers/amy-otto/
- Office phone and Email on file: shown at https://lendb.ai/lo/amy-otto-491143#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/491143
- lender_site: https://www.charterwest.com/mortgage-officers/amy-otto/

Cite as: Amy Otto (NMLS 491143), Charter West Bank. LenDb.ai, https://lendb.ai/lo/amy-otto-491143, last verified 2026-10-16.

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