---
canonical_url: https://lendb.ai/lo/nicole-otness-872043
json_url: https://lendb.ai/lo/nicole-otness-872043.json
nmls_id: 872043
last_verified: 2026-10-09
---

# Nicole Otness

Mortgage Advisor at BECU, Bothell. NMLS ID 872043 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/872043)).

**Summary:** Nicole Otness (NMLS 872043) is Mortgage Advisor at BECU. Works at a credit union, so likely federally registered: Federally registered MLOs aren't state-licensed; verify at NMLS. States 10 years of experience. Last verified 2026-10-09.

## At a glance

- Licensed since: unknown (no state regulator record on file). This is license history on file, not total experience.
- Years experience (stated by the LO): 10 (source: https://www.becu.org/loans-and-mortgages/home-loans/mortgage-advisors/nicole-otness, verified 2026-10-09)
- Licensed in: no license list on file; check NMLS Consumer Access
- Federal registration: likely (works at a credit union). 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
- Profile: unclaimed
- Status: active

## Specialties


## About

Nicole Otness brings over 10 years of mortgage experience and is committed to the credit union philosophy of serving people. She develops financing options aligned with clients' long-term goals, serving the Snohomish and King County areas.

Source: LenDb summary of the lender page, verified 2026-10-09.

## Facts from the lender page and intro

- years_experience: 10. Source: https://www.becu.org/loans-and-mortgages/home-loans/mortgage-advisors/nicole-otness, verified 2026-10-09.
- service_area: Snohomish and King County areas, Pacific Northwest. Source: https://www.becu.org/loans-and-mortgages/home-loans/mortgage-advisors/nicole-otness, verified 2026-10-09.

## Licenses

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

## Employment history

- ? to present: BECU (NMLS 490518), Bothell. Source: https://www.becu.org/loans-and-mortgages/home-loans/mortgage-advisors/nicole-otness, verified 2026-10-09.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/872043

## Contact

- View profile at BECU: https://www.becu.org/loans-and-mortgages/home-loans/mortgage-advisors/nicole-otness
- Office phone and Email on file: shown at https://lendb.ai/lo/nicole-otness-872043#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/872043
- lender_site: https://www.becu.org/loans-and-mortgages/home-loans/mortgage-advisors/nicole-otness

Cite as: Nicole Otness (NMLS 872043), BECU. LenDb.ai, https://lendb.ai/lo/nicole-otness-872043, last verified 2026-10-09.

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