---
canonical_url: https://lendb.ai/lo/todd-lillo-224237
json_url: https://lendb.ai/lo/todd-lillo-224237.json
nmls_id: 224237
last_verified: 2026-10-09
---

# Todd Lillo

Branch Manager at Union Home Mortgage, Norwalk, OH. NMLS ID 224237 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/224237)).

**Summary:** Todd Lillo (NMLS 224237) is Branch Manager at Union Home Mortgage, based in Norwalk, OH. Licensed in 2 states confirmed with state regulators: Florida and Pennsylvania. Also lists Indiana, Kentucky, Michigan, Missouri, Nevada, Ohio, South Carolina and South Dakota on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: FHA loan and VA loan. Licensed since 2020 (per Florida records). Last verified 2026-10-09.

## At a glance

- Licensed since 2020 (per Florida records). This is license history on file, not total experience.
- Licensed in: Florida (FL, confirmed), Pennsylvania (PA, confirmed), Indiana (IN, lender_reported), Kentucky (KY, lender_reported), Michigan (MI, lender_reported), Missouri (MO, lender_reported), Nevada (NV, lender_reported), Ohio (OH, lender_reported), South Carolina (SC, lender_reported), South Dakota (SD, 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 0.80, verified 2026-10-09. Source: https://www.uhm.com/loan-officers/todd-lillo/
- **VA loan** (`va`): lender page, confidence 0.80, verified 2026-10-09. Source: https://www.uhm.com/loan-officers/todd-lillo/

## About

Todd has been in the mortgage industry since 1995 and specializes in financing for first-time buyers with low or no down payment, offering FHA, VA, and USDA products.

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

## Facts from the lender page and intro

- years_experience: since 1995. Source: https://www.uhm.com/loan-officers/todd-lillo/, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO78429 | active | confirmed | 2020-12-09 | state_regulator | 2026-10-09 |
| PA | state_license | 107366 | active | confirmed |  | state_regulator | 2026-10-09 |
| IN | state_license | 73995 | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| KY | state_license | MC700848 | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| MI | state_license | 224237 | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| MO | state_license | 224237 | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| NV | state_license | 80907 | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| OH | state_license | LO.005872.000 | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| SC | state_license | MLO - 224237 | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| SD | state_license | 224237.MLO | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Union Home Mortgage (NMLS 2229), Norwalk, OH. Source: https://www.uhm.com/loan-officers/todd-lillo/, 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/224237

## Contact

- View profile at Union Home Mortgage: https://www.uhm.com/loan-officers/todd-lillo/
- Office phone and Email on file: shown at https://lendb.ai/lo/todd-lillo-224237#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/224237
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- state_regulator: https://data.pa.gov/d/tyxc-jyug
- lender_site: https://www.uhm.com/loan-officers/todd-lillo/

Cite as: Todd Lillo (NMLS 224237), Union Home Mortgage. LenDb.ai, https://lendb.ai/lo/todd-lillo-224237, last verified 2026-10-09.

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