---
canonical_url: https://lendb.ai/lo/kris-gallegos-362541
json_url: https://lendb.ai/lo/kris-gallegos-362541.json
nmls_id: 362541
last_verified: 2026-10-26
---

# Kris Gallegos

Senior Mortgage Banker at NBH Bank, Lubbock, TX. NMLS ID 362541 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/362541)).

Kris Gallegos, NMLS 362541, works as a Senior Mortgage Banker at NBH Bank in Lubbock, Texas.

**Summary:** Kris Gallegos (NMLS 362541) is Senior Mortgage Banker at NBH Bank, based in Lubbock, TX. Works at a bank, so likely federally registered: Federally registered MLOs aren't state-licensed; verify at NMLS. States 28 years of experience. Last verified 2026-10-26.

## Quick answers

### Is Kris licensed?

Kris 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 Kris work for?

NBH Bank, company NMLS 465954, from the Lubbock, TX office, per the lender's own site (verified 2026-10-26). Source: https://www.vistabank.com/banker/kris-gallegos/.

### How much experience does Kris have?

Kris states 28 years of experience. Source: https://www.vistabank.com/banker/kris-gallegos/.

## 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): 28 (source: https://www.vistabank.com/banker/kris-gallegos/, verified 2026-10-26)
- 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: not listed (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.

## About

Kris Gallegos is a Senior Mortgage Banker with over 28 years of experience and over 13 years with NBH. Their page lists a 2024 Five Star Mortgage Professional Award and an affiliation with Homes for Heroes.

Source: LenDb summary of the lender page, verified 2026-10-26.

## Facts from the lender page and intro

- years_experience: 28. Source: https://www.vistabank.com/banker/kris-gallegos/, verified 2026-10-26.
- community: Affiliate with Homes for Heroes. Source: https://www.vistabank.com/banker/kris-gallegos/, verified 2026-10-26.
- credential: 2024 Five Star Mortgage Professional Award. Source: https://www.vistabank.com/banker/kris-gallegos/, verified 2026-10-26.
- other: Part of NBH for over 13 years. Source: https://www.vistabank.com/banker/kris-gallegos/, verified 2026-10-26.
- other: Has been an advocate for over 3000 families. Source: https://www.vistabank.com/banker/kris-gallegos/, verified 2026-10-26.

## Licenses

| State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|---|

## Employment history

- ? to present: NBH Bank (NMLS 465954), Lubbock, TX. Source: https://www.vistabank.com/banker/kris-gallegos/, verified 2026-10-26.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/362541

## Contact

- View profile at NBH Bank: https://www.vistabank.com/banker/kris-gallegos/
- Office phone and Email on file: shown at https://lendb.ai/lo/kris-gallegos-362541#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/362541
- lender_site: https://www.vistabank.com/banker/kris-gallegos/

Cite as: Kris Gallegos (NMLS 362541), NBH Bank. LenDb.ai, https://lendb.ai/lo/kris-gallegos-362541, last verified 2026-10-26.

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