---
canonical_url: https://lendb.ai/lo/julie-nichols-280620
json_url: https://lendb.ai/lo/julie-nichols-280620.json
nmls_id: 280620
last_verified: 2026-10-16
---

# Julie Nichols

Senior Mortgage Banker at NBH Bank, Austin, TX. NMLS ID 280620 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/280620)).

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.

**Summary:** Julie Nichols (NMLS 280620) is Senior Mortgage Banker at NBH Bank, based in Austin, TX. Works at a bank, so likely federally registered: Federally registered MLOs aren't state-licensed; verify at NMLS. Focus areas shown on the lender page: First-time buyer. Last verified 2026-10-16.

## 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: https://www.vistabank.com/banker/julie-nichols/.

### 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: https://www.vistabank.com/banker/julie-nichols/.

## 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.
- 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)

- **First-time buyer** (`first-time-buyer`): from their lender profile page, confidence 0.60, verified 2026-10-26. Source: https://www.vistabank.com/banker/julie-nichols/

## Facts from the lender page and intro

- years_experience: since 2003. Source: https://www.vistabank.com/banker/julie-nichols/, verified 2026-10-16.
- credential: Five Star Mortgage Professional award winner, 13 years running. Source: https://www.vistabank.com/banker/julie-nichols/, verified 2026-10-16.
- credential: D Magazine Best Mortgage Professional award winner. Source: https://www.vistabank.com/banker/julie-nichols/, verified 2026-10-16.
- credential: Scotsman Guide Top 1% Originators in America. Source: https://www.vistabank.com/banker/julie-nichols/, verified 2026-10-16.
- credential: HUD Certificate of Excellence for helping low-income families. Source: https://www.vistabank.com/banker/julie-nichols/, verified 2026-10-16.
- community: Homes for Heroes Affiliate. Source: https://www.vistabank.com/banker/julie-nichols/, verified 2026-10-16.

## Licenses

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

## Employment history

- ? to present: NBH Bank (NMLS 465954), Austin, TX. Source: https://www.vistabank.com/banker/julie-nichols/, 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/280620

## Contact

- View profile at NBH Bank: https://www.vistabank.com/banker/julie-nichols/
- Office phone and Email on file: shown at https://lendb.ai/lo/julie-nichols-280620#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/280620
- lender_site: https://www.vistabank.com/banker/julie-nichols/

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

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