---
canonical_url: https://lendb.ai/lo/joanna-otero-168871
json_url: https://lendb.ai/lo/joanna-otero-168871.json
nmls_id: 168871
last_verified: 2026-10-09
---

# JoAnna Otero

Area Sales Manager at Union Home Mortgage, Ooltewah, TN. NMLS ID 168871 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/168871)).

**Summary:** JoAnna Otero (NMLS 168871) is Area Sales Manager at Union Home Mortgage, based in Ooltewah, TN. Lists Georgia and Tennessee on the lender page (not yet checked with the state regulator). States 20 years of experience. Last verified 2026-10-09.

## 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): 20 (source: https://www.uhm.com/loan-officers/joanna-otero/, verified 2026-10-09)
- Licensed in: Georgia (GA, lender_reported), Tennessee (TN, lender_reported)
- 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
- Profile: unclaimed
- Status: active

## Specialties


## About

JoAnna has over 20 years of mortgage industry experience serving borrowers in Tennessee and Georgia, providing exceptional customer service and customized loan options.

Source: LenDb summary of the lender page, verified 2026-10-09.

## Facts from the lender page and intro

- years_experience: 20. Source: https://www.uhm.com/loan-officers/joanna-otero/, verified 2026-10-09.
- credential: Originator of the Year for nine consecutive years. Source: https://www.uhm.com/loan-officers/joanna-otero/, verified 2026-10-09.
- credential: Award of Excellence from Chattanooga Mortgage Bankers Association 2014-2020. Source: https://www.uhm.com/loan-officers/joanna-otero/, verified 2026-10-09.
- credential: Peoples Home Equity Presidents Club honoree 2015-2018. Source: https://www.uhm.com/loan-officers/joanna-otero/, verified 2026-10-09.
- service_area: Tennessee and Georgia. Source: https://www.uhm.com/loan-officers/joanna-otero/, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| GA | state_license | 36478 | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| TN | state_license | 104611 | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Union Home Mortgage (NMLS 2229), Ooltewah, TN. Source: https://www.uhm.com/loan-officers/joanna-otero/, verified 2026-10-09.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/168871

## Contact

- View profile at Union Home Mortgage: https://www.uhm.com/loan-officers/joanna-otero/
- Office phone and Email on file: shown at https://lendb.ai/lo/joanna-otero-168871#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/168871
- lender_site: https://www.uhm.com/loan-officers/joanna-otero/

Cite as: JoAnna Otero (NMLS 168871), Union Home Mortgage. LenDb.ai, https://lendb.ai/lo/joanna-otero-168871, last verified 2026-10-09.

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