{
  "canonical_url": "https://lendb.ai/lang/es/nebraska",
  "summary": "As of 2026-10-21, LenDb lists 7 loan officers licensed in or based in Nebraska whose lender pages say they speak Spanish. The top-ranked are Celina Fontes (Charter West Bank, Omaha), Vanessa Fuentes (Centris Federal Credit Union, Bellevue) and Christina McCollum (Churchill Mortgage, Kennewick). Ranking is lender-neutral: a license in NE, branch location, experience and profile completeness. Nobody pays for placement. Languages come only from loan officers' own lender pages, and most lender pages do not list languages. A loan officer missing from this list may still speak it: not listed means not stated, not that they do not speak it.",
  "language": "es",
  "state": "NE",
  "total": 7,
  "last_verified": "2026-10-21",
  "results": [
    {
      "rank": 1,
      "score": 37,
      "loan_officer": {
        "nmls_id": 402103,
        "slug": "celina-fontes-402103",
        "full_name": "Celina Fontes",
        "licensed_names": [
          {
            "name": "Martha Fontes",
            "name_with_middle_initial": "Martha C. Fontes",
            "first_name": "Martha",
            "middle_initial": "C",
            "last_name": "Fontes",
            "states": [
              "IA"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-19"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/celina-fontes-402103",
        "json_url": "https://lendb.ai/lo/celina-fontes-402103.json",
        "lender": {
          "nmls_id": 466077,
          "name": "Charter West Bank",
          "slug": "charter-west-bank-466077",
          "canonical_url": "https://lendb.ai/lender/charter-west-bank-466077",
          "type": "bank"
        },
        "branch": {
          "city": "Omaha",
          "state": "NE"
        },
        "headshot_url": "https://www.charterwest.com/wp-content/uploads/2024/06/cfontes_web-1-566x675.jpg",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "es"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2014-10-24",
          "state": "IA"
        },
        "licensed_since": {
          "year": 2014,
          "state": "IA"
        },
        "years_experience": 13,
        "lender_profile_url": "https://www.charterwest.com/mortgage-officers/celina-fontes/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-16)",
        "Office in Omaha, NE",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "Earliest state license record: October 24, 2014 (Iowa), per state regulator",
        "States 13 years of experience (lender page, 2026-10-16)"
      ],
      "canonical_url": "https://lendb.ai/lo/celina-fontes-402103",
      "license_check": {
        "state": "NE",
        "confidence": "federal_registration",
        "eligible": true,
        "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "verified_at": "2026-10-16",
        "source_url": null
      }
    },
    {
      "rank": 2,
      "score": 35.5,
      "loan_officer": {
        "nmls_id": 1536151,
        "slug": "vanessa-fuentes-1536151",
        "full_name": "Vanessa Fuentes",
        "canonical_url": "https://lendb.ai/lo/vanessa-fuentes-1536151",
        "json_url": "https://lendb.ai/lo/vanessa-fuentes-1536151.json",
        "lender": {
          "nmls_id": 490617,
          "name": "Centris Federal Credit Union",
          "slug": "centris-federal-credit-union-490617",
          "canonical_url": "https://lendb.ai/lender/centris-federal-credit-union-490617",
          "type": "credit_union"
        },
        "branch": {
          "city": "Bellevue",
          "state": "NE"
        },
        "headshot_url": null,
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "es"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 10,
        "lender_profile_url": "https://www.centrisfcu.org/mortgages/vanessa-fuentes/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-16)",
        "Office in Bellevue, NE",
        "Likely federally registered (works at a credit union). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "States 10 years of experience (lender page, 2026-10-16)"
      ],
      "canonical_url": "https://lendb.ai/lo/vanessa-fuentes-1536151",
      "license_check": {
        "state": "NE",
        "confidence": "federal_registration",
        "eligible": true,
        "label": "Likely federally registered (works at a credit union). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "verified_at": "2026-10-16",
        "source_url": null
      }
    },
    {
      "rank": 3,
      "score": 33.3,
      "loan_officer": {
        "nmls_id": 1398321,
        "slug": "christina-mccollum-1398321",
        "full_name": "Christina McCollum",
        "licensed_names": [
          {
            "name": "Christina McCollum",
            "name_with_middle_initial": "Christina R. McCollum",
            "first_name": "Christina",
            "middle_initial": "R",
            "last_name": "McCollum",
            "states": [
              "CA",
              "FL",
              "MA",
              "MO",
              "OR",
              "TX",
              "WY"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-27"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/christina-mccollum-1398321",
        "json_url": "https://lendb.ai/lo/christina-mccollum-1398321.json",
        "lender": {
          "nmls_id": 1591,
          "name": "Churchill Mortgage",
          "slug": "churchill-mortgage-1591",
          "canonical_url": "https://lendb.ai/lender/churchill-mortgage-1591",
          "type": "imb"
        },
        "branch": {
          "city": "Kennewick",
          "state": "WA"
        },
        "headshot_url": "https://info.churchillmortgage.com/hubfs/images/headshots/loan-officers/Christina%20McCollum3.jpeg",
        "licensed_states": [
          "FL",
          "MO",
          "TX",
          "AK",
          "AL",
          "AZ",
          "CA",
          "GA",
          "ID",
          "IL",
          "MA",
          "MI",
          "MT",
          "NC",
          "NE",
          "OH",
          "OR",
          "SC",
          "TN",
          "WA",
          "WI",
          "WY"
        ],
        "licenses": [
          {
            "state": "AK",
            "confidence": "lender_reported"
          },
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "ID",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "confirmed"
          },
          {
            "state": "MA",
            "confidence": "confirmed"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "confirmed"
          },
          {
            "state": "MT",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "NE",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "confirmed"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          },
          {
            "state": "WI",
            "confidence": "confirmed"
          },
          {
            "state": "WY",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "es"
        ],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [
          "1099-income",
          "asset-based",
          "bank-statement",
          "condo-non-warrantable",
          "condotel",
          "down-payment-assistance",
          "dscr",
          "fha",
          "first-time-buyer",
          "foreign-national",
          "heloc",
          "investor",
          "itin",
          "jumbo",
          "low-credit",
          "manufactured",
          "multi-family-2-4",
          "non-qm",
          "physician",
          "renovation",
          "reverse",
          "rural",
          "self-employed",
          "usda",
          "va",
          "vacation-home"
        ],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2017-02-06",
          "state": "OR"
        },
        "licensed_since": {
          "year": 2017,
          "state": "OR"
        },
        "years_experience": 20,
        "lender_profile_url": "https://www.churchillmortgage.com/loan-officers/christina-mccollum",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-20)",
        "NE listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: February 6, 2017 (Oregon), per state regulator",
        "States 20 years of experience (lender page, 2026-10-20)"
      ],
      "canonical_url": "https://lendb.ai/lo/christina-mccollum-1398321",
      "license_check": {
        "state": "NE",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "NE listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-20",
        "source_url": "https://www.churchillmortgage.com/loan-officers/christina-mccollum"
      }
    },
    {
      "rank": 4,
      "score": 30.3,
      "loan_officer": {
        "nmls_id": 1400889,
        "slug": "ilse-garcia-lopez-1400889",
        "full_name": "Ilse Garcia Lopez",
        "canonical_url": "https://lendb.ai/lo/ilse-garcia-lopez-1400889",
        "json_url": "https://lendb.ai/lo/ilse-garcia-lopez-1400889.json",
        "lender": {
          "nmls_id": 401052,
          "name": "BMO Bank",
          "slug": "bmo-bank-401052",
          "canonical_url": "https://lendb.ai/lender/bmo-bank-401052",
          "type": "bank"
        },
        "branch": {
          "city": "Omaha",
          "state": "NE"
        },
        "headshot_url": null,
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "en",
          "es"
        ],
        "specialties": [
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [
          "construction",
          "fha",
          "jumbo",
          "physician",
          "va"
        ],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://usmortgagebanker.bmo.com/ne/omaha/ig-1400889/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-21)",
        "Office in Omaha, NE",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS"
      ],
      "canonical_url": "https://lendb.ai/lo/ilse-garcia-lopez-1400889",
      "license_check": {
        "state": "NE",
        "confidence": "federal_registration",
        "eligible": true,
        "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "verified_at": "2026-10-21",
        "source_url": null
      }
    },
    {
      "rank": 5,
      "score": 26.5,
      "loan_officer": {
        "nmls_id": 2138348,
        "slug": "sibyl-fernandez-2138348",
        "full_name": "Sibyl Fernandez",
        "canonical_url": "https://lendb.ai/lo/sibyl-fernandez-2138348",
        "json_url": "https://lendb.ai/lo/sibyl-fernandez-2138348.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "slug": "guild-mortgage-3274",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Henderson",
          "state": "NV"
        },
        "headshot_url": "https://www.guildmortgage.com/lib/uploads/officers/profile-photos/hdsf-sibyl-fernandez.png",
        "licensed_states": [
          "FL",
          "TX",
          "NC",
          "NE",
          "NV"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "NE",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "es"
        ],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [
          "down-payment-assistance",
          "fha",
          "heloc",
          "investor",
          "itin",
          "jumbo",
          "low-credit",
          "manufactured",
          "new-construction",
          "physician",
          "renovation",
          "usda",
          "va",
          "vacation-home"
        ],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2021-07-20",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2021,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://branches.guildmortgage.com/nv/henderson/sibyl-fernandez-255-hdsf.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-20)",
        "NE listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: July 20, 2021 (Florida), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/sibyl-fernandez-2138348",
      "license_check": {
        "state": "NE",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "NE listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-20",
        "source_url": "https://branches.guildmortgage.com/nv/henderson/sibyl-fernandez-255-hdsf.html"
      }
    },
    {
      "rank": 6,
      "score": 24.3,
      "loan_officer": {
        "nmls_id": 2181978,
        "slug": "israel-sanchez-2181978",
        "full_name": "Israel Sanchez",
        "canonical_url": "https://lendb.ai/lo/israel-sanchez-2181978",
        "json_url": "https://lendb.ai/lo/israel-sanchez-2181978.json",
        "lender": {
          "nmls_id": 320841,
          "name": "Loan Factory",
          "slug": "loan-factory-320841",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841",
          "type": "broker"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "headshot_url": "https://lh3.googleusercontent.com/O9ISgMKtTCwEvdXVxiokDqRxxOmdrEcBTpkPTyYwXNfYmzjWZTdUhHV4vWAfIm4ekZNyGIxGwcmFkwjoujuUF3ljjcTgwYFKR4g2",
        "licensed_states": [
          "CA",
          "NE",
          "NV",
          "TX",
          "UT"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "confirmed"
          },
          {
            "state": "NE",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "UT",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "es"
        ],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2021-08-24",
          "state": "IA"
        },
        "licensed_since": {
          "year": 2021,
          "state": "IA"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/israel-sanchez-2181978",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-09)",
        "NE listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: August 24, 2021 (Iowa), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/israel-sanchez-2181978",
      "license_check": {
        "state": "NE",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "NE listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.loanfactory.com/mortgage-expert/israel-sanchez-2181978"
      }
    },
    {
      "rank": 7,
      "score": 23.3,
      "loan_officer": {
        "nmls_id": 1868989,
        "slug": "will-beas-1868989",
        "full_name": "Will Beas",
        "canonical_url": "https://lendb.ai/lo/will-beas-1868989",
        "json_url": "https://lendb.ai/lo/will-beas-1868989.json",
        "lender": {
          "nmls_id": 1820,
          "name": "CMG Home Loans",
          "slug": "cmg-home-loans-1820",
          "canonical_url": "https://lendb.ai/lender/cmg-home-loans-1820",
          "type": "imb"
        },
        "branch": {
          "city": "Greenwood Village",
          "state": "CO"
        },
        "headshot_url": "https://cloud.cmgfi.com/dvbdysuf5/image/upload/a_exif,f_auto,g_faces,c_thumb,w_250,h_250,z_0.5,r_max/CMG_Web_Resources/LO_Images/Production_14114_Guillermo_Beas",
        "licensed_states": [
          "CO",
          "NE"
        ],
        "licenses": [
          {
            "state": "CO",
            "confidence": "lender_reported"
          },
          {
            "state": "NE",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "es"
        ],
        "specialties": [],
        "lender_offers": [
          "down-payment-assistance",
          "fha",
          "first-time-buyer",
          "heloc",
          "investor",
          "jumbo",
          "low-credit",
          "new-construction",
          "renovation",
          "reverse",
          "usda",
          "va"
        ],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://www.cmghomeloans.com/mysite/will-beas",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-20)",
        "NE listed on their lender page (not yet checked with the state regulator; verify at NMLS)"
      ],
      "canonical_url": "https://lendb.ai/lo/will-beas-1868989",
      "license_check": {
        "state": "NE",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "NE listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.fairway.com/lo/will-beas-1868989"
      }
    }
  ]
}