

Nicole Miller
Mortgage Loan Officer | NMLS# 1684293


Missouri State University
Nicole Miller, Mortgage Loan Officer, joined Central Bank of the Ozarks in 2016. She enjoys working with customers to ensure that they are educated on the many options and benefits of securing a home loan.Nicole, a long time area resident, ... Show More
Location & Business Hours
Business Hours
Tues
8 AM to 5 PM
Wed
8 AM to 5 PM
Thu
8 AM to 5 PM
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Reviews from Web
Painless, pleasant, thorough
Reply from Nicole Miller
June 24th, 2026 04:41 PM
Thank you for trusting me again with your financing needs!
Responsive, accurate and timely.
Reply from Nicole Miller
June 24th, 2026 04:40 PM
Thanks Bruce, it was a pleasure working with you again!
Quick and efficient process! Was nice to complete a lot of things digitally
Reply from Nicole Miller
June 24th, 2026 04:40 PM
It was a pleasure working with you!
Nicole was informative and knowledgeable during the entire HELOC process. She had excellent communication and was great to work with!
Reply from Nicole Miller
June 24th, 2026 04:40 PM
Appreciate your kind words!
it helped being able to do most of the paperwork with online signing
Reply from Nicole Miller
June 24th, 2026 04:39 PM
It was a pleasure getting to work with you again!
Clear communication is huge for me and you all knocked it out of the park! The entire process was one of the most simple I've ever experienced. There was one hiccup but it was not related to Central Bank or it's employees.
Reply from Nicole Miller
June 24th, 2026 04:39 PM
So happy we were able to help Denise!
I'm a first time homeowner and Nicole was very helpful throughout my buying process. She is there to answer all of my questions and guide me forward. I'm happy to work with her!
Reply from Nicole Miller
June 24th, 2026 04:38 PM
Thank you so much - happy to help!!
Nicole was very communicative and answered all of our questions in a timely manner. She explained all of our rate options and helped guide us to a monthly payment plan that fit our budget. She was great to work with, and even offered to join...
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Reply from Nicole Miller
June 24th, 2026 04:38 PM
Thank you for the kind words! It was such a pleasure working with you!
Nicole was beyond responsive to my questions during this process, I would highly recommend her to others. Thank you!
Reply from Nicole Miller
March 9th, 2026 08:46 PM
Melinda, I appreciate your recommendation and am glad I could be responsive to your questions. Thank you for choosing me to assist you with this process at Central Trust Bank. If you have any further questions, feel free to reach out.
Nicole answered any of our questions in a very timely manner and was alway's very professional . Very positive experience for us
Reply from Nicole Miller
March 9th, 2026 08:47 PM
William, I'm pleased to know that I could assist you promptly and professionally. It's great to hear that you had a positive experience. Thank you for your feedback, and for allowing me to help with your needs at Central Trust Bank.
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About
Nicole Miller, Mortgage Loan Officer, joined Central Bank of the Ozarks in 2016. She enjoys working with customers to ensure that they are educated on the many options and benefits of securing a home loan.Nicole, a long time area resident, earned a Bachelor’s of Science Degree from Missouri State University. In her spare time she can be found enjoying time with her husband and two small children.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Down Payment Assistance
Conventional Home Loan
Mortgage Refinance
Medical Professional Mortgages
Fixed Rate Mortgages
Adjustable Rate Mortgages
USDA Loans
Cash-Out Refinances
Specialities
Mortgage Loans
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Education
- Missouri State UniversityBusinessBachelor of Science

Year Started
2021
Time Zone
Central Standard Time (CST)
Licenses
- NMLS# 1684293
Hobbies
- Jeeping, Coaching Volleyball
Disclaimer
The Central Trust Bank NMLS ID # 407985