---
canonical_url: https://lendb.ai/lo/john-otto-318997
json_url: https://lendb.ai/lo/john-otto-318997.json
nmls_id: 318997
last_verified: 2026-10-09
---

# John Otto

Mortgage Loan Officer at Loan Factory. NMLS ID 318997 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/318997)).

**Summary:** John Otto (NMLS 318997) is Mortgage Loan Officer at Loan Factory. Licensed in Florida, confirmed with the state regulator (license LO70729). Licensed since 2020 (per Florida records). States 18 years of experience. Last verified 2026-10-09.

## At a glance

- Licensed since 2020 (per Florida records). This is license history on file, not total experience.
- Years experience (stated by the LO): 18 (source: https://www.loanfactory.com/mortgage-expert/john-otto-318997, verified 2026-10-09)
- Licensed in: Florida (FL, confirmed)
- 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

John Otto has over 18 years of experience in residential and commercial real estate and mortgage financing. He works with first-time homebuyers and experienced investors.

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

## Facts from the lender page and intro

- years_experience: 18. Source: https://www.loanfactory.com/mortgage-expert/john-otto-318997, verified 2026-10-09.
- role: residential and commercial real estate and mortgage financing professional. Source: https://www.loanfactory.com/mortgage-expert/john-otto-318997, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO70729 | active | confirmed | 2020-06-09 | state_regulator | 2026-10-09 |

## Employment history

- ? to present: Loan Factory (NMLS 320841). Source: https://www.loanfactory.com/mortgage-expert/john-otto-318997, 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/318997

## Contact

- View profile at Loan Factory: https://www.loanfactory.com/mortgage-expert/john-otto-318997

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/318997
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- lender_site: https://www.loanfactory.com/mortgage-expert/john-otto-318997

Cite as: John Otto (NMLS 318997), Loan Factory. LenDb.ai, https://lendb.ai/lo/john-otto-318997, last verified 2026-10-09.

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