Julie Nichols

Senior Mortgage Banker at NBH Bank · Austin, TX

NMLS ID 280620 (opens in a new tab) · verify at NMLS Consumer Access

Julie Nichols, NMLS 280620, works as a Senior Mortgage Banker at NBH Bank in Austin, Texas. Julie's lender page shows a focus on first-time buyer.

Last verified 2026-10-16. Sources: NBH Bank (vistabank.com) and NMLS Consumer Access (license status, check live).

Likely federally registered
Unclaimed profile
Disciplinary history not yet checked

Quick answers

Is Julie licensed?: Julie 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
Does Julie list first-time buyer as a focus?: Julie's profile lists first-time buyer as a focus (from their lender profile page).; Source: lender page (opens in a new tab)
What lender does Julie work for?: NBH Bank, company NMLS 465954, from the Austin, TX office, per the lender's own site (verified 2026-10-16).; Source: lender site (opens in a new tab)

Specialties

Focus

Focus: First-time buyer(from their lender profile page)

Where we saw these: vistabank.com (opens in a new tab)

Focus is the loan officer's own: their bio, title, a certification or their own specialty list on their lender page, or what they report. Programs their lender offers are listed separately and never count as their focus in search.

Licensed states

No license list on file yet. Check NMLS Consumer Access (opens in a new tab) for every state this person is licensed in.

Likely federally registered: works at a bank. Federally registered MLOs aren't state-licensed; verify at NMLS (NMLS Consumer Access (opens in a new tab)).

Contact

A quick automatic check keeps bots from harvesting contact details.

Visit Julie's page

We never see who you contact.

Employment history

NBH Bank NMLS 465954
Current · Austin, TX · seen on lender site 2026-10-16

Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access (opens in a new tab).

About

Experience: since 2003; Source (opens in a new tab), verified 2026-10-16
Credentials: Five Star Mortgage Professional award winner, 13 years running; Source (opens in a new tab), verified 2026-10-16
Credentials: D Magazine Best Mortgage Professional award winner; Source (opens in a new tab), verified 2026-10-16
Credentials: Scotsman Guide Top 1% Originators in America; Source (opens in a new tab), verified 2026-10-16
Credentials: HUD Certificate of Excellence for helping low-income families; Source (opens in a new tab), verified 2026-10-16
Community: Homes for Heroes Affiliate; Source (opens in a new tab), verified 2026-10-16

Sources

Name and employer	lender site · vistabank.com (opens in a new tab)	verified 2026-10-16
Specialties	lender site · vistabank.com (opens in a new tab)	verified 2026-10-26
Contact	lender site · vistabank.com (opens in a new tab)	verified 2026-10-16
Photo	lender site · vistabank.com (opens in a new tab)	verified 2026-10-16
License status	NMLS Consumer Access (opens in a new tab)	check live

Also available as Markdown, JSON, or via the API.

Cite as: Julie Nichols (NMLS 280620), NBH Bank. LenDb.ai, https://lendb.ai/lo/julie-nichols-280620, last verified 2026-10-16.

Is this you?

Claim this profile to add specialties, a bio and languages, or ask us to fix or remove it.

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