---
canonical_url: https://lendb.ai/lo/tod-cotman-658279
json_url: https://lendb.ai/lo/tod-cotman-658279.json
nmls_id: 658279
last_verified: 2026-10-09
---

# Tod Cotman

Sr. Loan Officer at CrossCountry Mortgage, Gulfport, MS. NMLS ID 658279 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/658279)).

**Summary:** Tod Cotman (NMLS 658279) is Sr. Loan Officer at CrossCountry Mortgage, based in Gulfport, MS. Lists Alabama, Louisiana and Mississippi on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: FHA loan and First-time buyer. States 25 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): 25 (source: https://crosscountrymortgage.com/gulfport-ms-6503/tod-cotman/, verified 2026-10-09)
- Licensed in: Alabama (AL, lender_reported), Louisiana (LA, lender_reported), Mississippi (MS, lender_reported)
- 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

- **FHA loan** (`fha`): lender page, confidence 0.10, verified 2026-10-09. Source: https://crosscountrymortgage.com/gulfport-ms-6503/tod-cotman/
- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.10, verified 2026-10-09. Source: https://crosscountrymortgage.com/gulfport-ms-6503/tod-cotman/

## About

Tod has more than 25 years of experience and is a native of the Mississippi Gulf Coast who served honorably in the U.S. Air Force before entering the financial services industry in 1997.

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

## Facts from the lender page and intro

- years_experience: 25. Source: https://crosscountrymortgage.com/gulfport-ms-6503/tod-cotman/, verified 2026-10-09.
- education: Bachelor of Science from the University of Southern Illinois. Source: https://crosscountrymortgage.com/gulfport-ms-6503/tod-cotman/, verified 2026-10-09.
- role: U.S. Air Force service. Source: https://crosscountrymortgage.com/gulfport-ms-6503/tod-cotman/, verified 2026-10-09.
- service_area: Mississippi Gulf Coast. Source: https://crosscountrymortgage.com/gulfport-ms-6503/tod-cotman/, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| AL | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| LA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| MS | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: CrossCountry Mortgage (NMLS 3029), Gulfport, MS. Source: https://crosscountrymortgage.com/gulfport-ms-6503/tod-cotman/, 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/658279

## Contact

- View profile at CrossCountry Mortgage: https://crosscountrymortgage.com/gulfport-ms-6503/tod-cotman/
- Office phone and Email on file: shown at https://lendb.ai/lo/tod-cotman-658279#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/658279
- lender_site: https://crosscountrymortgage.com/gulfport-ms-6503/tod-cotman/

Cite as: Tod Cotman (NMLS 658279), CrossCountry Mortgage. LenDb.ai, https://lendb.ai/lo/tod-cotman-658279, last verified 2026-10-09.

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