---
canonical_url: https://lendb.ai/lo/celina-fontes-402103
json_url: https://lendb.ai/lo/celina-fontes-402103.json
nmls_id: 402103
last_verified: 2026-10-16
---

# Celina Fontes

AVP | Senior Mortgage Loan Advisor at Charter West Bank, Omaha, NE. NMLS ID 402103 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/402103)).

Celina Fontes (NMLS 402103) is a mortgage loan officer at Charter West Bank in Omaha, Nebraska. Celina speaks Spanish.

**Summary:** Celina Fontes (NMLS 402103) is AVP | Senior Mortgage Loan Advisor at Charter West Bank, based in Omaha, NE. Works at a bank, so likely federally registered: Federally registered MLOs aren't state-licensed; verify at NMLS. Speaks Spanish. Earliest state license record: October 24, 2014 (Iowa), per state regulator. States 13 years of experience. Last verified 2026-10-16.

## Quick answers

### Is Celina licensed?

Celina 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.

### What lender does Celina work for?

Charter West Bank, company NMLS 466077, from the Omaha, NE office, per the lender's own site (verified 2026-10-16). Source: https://www.charterwest.com/mortgage-officers/celina-fontes/.

### What languages does Celina speak?

Spanish, per their lender page (verified 2026-10-16). Source: https://www.charterwest.com/mortgage-officers/celina-fontes/.

### How long has Celina been licensed?

The earliest state license record LenDb holds for Celina is from October 24, 2014 (Iowa regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Celina states 13 years of experience. Source: https://idob.iowa.gov/.

## At a glance

- Earliest state license record: October 24, 2014 (Iowa), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Years experience (stated by the LO): 13 (source: https://www.charterwest.com/mortgage-officers/celina-fontes/, verified 2026-10-16)
- Also licensed as (state regulator records, same NMLS ID): Martha C. Fontes (IA, as of 2026-10-19)
- 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: Spanish (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)

- None on file yet.

## Facts from the lender page and intro

- years_experience: 13. Source: https://www.charterwest.com/mortgage-officers/celina-fontes/, verified 2026-10-16.
- service_area: Nebraska. Source: https://www.charterwest.com/mortgage-officers/celina-fontes/, verified 2026-10-16.

## Licenses

| State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|---|
| IA | Iowa regulator | state_license | 23470 | expired | confirmed | 2014-10-24 | state_regulator | 2026-10-20 |

## Employment history

- ? to present: Charter West Bank (NMLS 466077), Omaha, NE. Source: https://www.charterwest.com/mortgage-officers/celina-fontes/, 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/402103

## Contact

- View profile at Charter West Bank: https://www.charterwest.com/mortgage-officers/celina-fontes/
- Office phone and Email on file: shown at https://lendb.ai/lo/celina-fontes-402103#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/402103
- state_regulator: https://idob.iowa.gov/
- lender_site: https://www.charterwest.com/mortgage-officers/celina-fontes/

Cite as: Celina Fontes (NMLS 402103), Charter West Bank. LenDb.ai, https://lendb.ai/lo/celina-fontes-402103, last verified 2026-10-16.

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