Who We Are

Putting people first

After years of working for the same large mortgage company, Andrew Otter and Marshall Kutz joined forces to create their own company that more accurately reflected their desire to put people first – at work and at home. They built a company that is both relationship-focused and family-oriented, and they continue to surround themselves with a team of people who are as trusted as they are talented.

This venture enables them to create connections with clients and spend quality time with their growing families. As friends first, Marshall and Andrew recognize the importance of striking the right balance between work and their lives outside of work. And so far, their philosophy has been working well.

Putting people first

After years of working for the same large mortgage company, Andrew Otter and Marshall Kutz joined forces to create their own company that more accurately reflected their desire to put people first – at work and at home. They built a company that is both relationship-focused and family-oriented, and they continue to surround themselves with a team of people who are as trusted as they are talented.

This venture enables them to create connections with clients and spend quality time with their growing families. As friends first, Marshall and Andrew recognize the importance of striking the right balance between work and their lives outside of work. And so far, their philosophy has been working well.

How We Work

Reliable. Responsive. Ready for anything. That’s how our clients describe us. We’re always communicating with you and walking you through the process (on your own terms) so your mortgage or refi is closed quickly.

Want to hear what actual clients say about how we work? Click the button below to read what real people say about their experience with AMKO.

How We Work

Reliable. Responsive. Ready for anything. That’s how our clients describe us. We’re always communicating with you and walking you through the process (on your own terms) so your mortgage or refi is closed quickly.

Want to hear what actual clients say about how we work? Click the button below to read what real people say about their experience with AMKO.

Our Team

We know that the people you hire can make or break your company — and we’re proud of the team we’ve assembled. They’re passionate, experienced, and trustworthy. You can expect our team to be there for you every step of the way, making what can be a very daunting process as simple as possible for you.

Not only are they great people, but they all have the experience and background to conquer the complex mortgage industry. Our team knows their stuff inside and out, which means a more streamlined and easy process for you!

Meet our terrific team for yourself and see how they can help you!

Our Team

We know that the people you hire can make or break your company — and we’re proud of the team we’ve assembled. They’re passionate, experienced, and trustworthy. You can expect our team to be there for you every step of the way, making what can be a very daunting process as simple as possible for you.

Not only are they great people, but they all have the experience and background to conquer the complex mortgage industry. Our team knows their stuff inside and out, which means a more streamlined and easy process for you!

Meet our terrific team for yourself and see how they can help you!

AMKO Lending, LLC - NMLS: 1804948
2019 Center Street, Suite 103
Cleveland, OH 44113
Phone: 216.559.6294

AMKO Lending, LLC | NMLS #18049848 | www.nmlsconsumeraccess.org | State Licensed Lending Area: CA, CO, FL, GA, KY, MI, NC, SC, OH, PA, TX and VA. State Disclaimers: CA CFL – Loans made or arranged pursuant to the California Financing Law, CO – Regulated by the Division of Real Estate, GA – Georgia Residential Mortgage Licensee – License #65072, OH – RM.804403.000 – 2019 Center Street, Suite 103, TX – 8000 IH-10 West, Ste 600, San Antonio TX, 78230:
CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE COMPANY OR A LICENSED RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT'S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE COMPANY RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT'S WEB SITE AT WWW.SML.TEXAS.GOV. *FINANCE CHARGES MY BE HIGHER OVER THE LIFE OF THE LOAN.

© 2026 – AMKO Lending. All rights reserved | Privacy Policy
AMKO Lending, LLC | NMLS #1804948 | www.nmlsconsumeraccess.org | State Licensed Lending Area: CA, CO, FL, GA, KY, MI, NC, SC, OH, PA, TX and VA. State Disclaimers: CA CFL – Loans made or arranged pursuant to the California Financing Law, CO – Regulated by the Division of Real Estate, GA – Georgia Residential Mortgage Licensee – License #65072, OH – RM.804403.000 – 2019 Center Street, Suite 103, TX – 8000 IH-10 West, Ste 600, San Antonio TX, 78230:
CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE COMPANY OR A LICENSED RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT'S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE COMPANY RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT'S WEB SITE AT WWW.SML.TEXAS.GOV.*FINANCE CHARGES MAY BE HIGHER OVER THE LIFE OF THE LOAN.

AMKO Lending, LLC - NMLS: 1804948
2019 Center Street, Suite 103
Cleveland, OH 44113
Phone: 216.559.6294

© 2026 – AMKO Lending. All rights reserved | Privacy Policy