{
  "canonical_url": "https://lendb.ai/lo/todd-piles-469172",
  "lede": {
    "text": "Todd Piles, NMLS 469172, works as a Mortgage Loan Officer at TTCU Federal Credit Union in Bixby, Oklahoma.",
    "fields": [
      "full_name",
      "nmls_id",
      "title",
      "current_employment"
    ]
  },
  "quick_answers": [
    {
      "q": "Is Todd licensed?",
      "a": "Todd works at a credit union; credit union loan officers register with NMLS federally instead of holding state licenses. Verify at NMLS Consumer Access.",
      "fields": [
        "federal_registration",
        "current_employment"
      ],
      "source": "employer type in LenDb's lender registry",
      "source_url": null,
      "verified_at": "2026-10-16"
    },
    {
      "q": "What lender does Todd work for?",
      "a": "TTCU Federal Credit Union, company NMLS 401680, from the Bixby, OK office, per the lender's own site (verified 2026-10-16).",
      "fields": [
        "current_employment"
      ],
      "source": "lender site",
      "source_url": "https://www.ttcu.com/loans-credit/home-loans/mortgage-loan-originators/todd-piles",
      "verified_at": "2026-10-16"
    },
    {
      "q": "How much experience does Todd have?",
      "a": "Todd states 25 years of experience.",
      "fields": [
        "years_experience"
      ],
      "source": "the loan officer's own statement",
      "source_url": "https://www.ttcu.com/loans-credit/home-loans/mortgage-loan-originators/todd-piles",
      "verified_at": "2026-10-16"
    }
  ],
  "field_notes": {
    "languages": "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."
  },
  "loan_officer": {
    "nmls_id": 469172,
    "slug": "todd-piles-469172",
    "canonical_url": "https://lendb.ai/lo/todd-piles-469172",
    "md_url": "https://lendb.ai/lo/todd-piles-469172.md",
    "json_url": "https://lendb.ai/lo/todd-piles-469172.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/469172",
    "full_name": {
      "value": "Todd Piles",
      "source": "lender_site",
      "source_url": "https://www.ttcu.com/loans-credit/home-loans/mortgage-loan-originators/todd-piles",
      "verified_at": "2026-10-16"
    },
    "first_name": "Todd",
    "last_name": "Piles",
    "headshot_url": null,
    "bio": {
      "value": "Todd Piles is a Mortgage Loan Officer in Bixby, OK. They state over 25 years working with individuals and families on retail home loans, and they describe themselves as an Army combat veteran. Their profile lists Bixby as their area.",
      "source": "lender_site",
      "source_url": "https://www.ttcu.com/loans-credit/home-loans/mortgage-loan-originators/todd-piles",
      "verified_at": "2026-10-16"
    },
    "title": {
      "value": "Mortgage Loan Officer",
      "source": "lender_site",
      "source_url": "https://www.ttcu.com/loans-credit/home-loans/mortgage-loan-originators/todd-piles",
      "verified_at": "2026-10-16"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.ttcu.com/loans-credit/home-loans/mortgage-loan-originators/todd-piles",
      "verified_at": "2026-10-16"
    },
    "years_licensed": null,
    "years_experience": {
      "value": 25,
      "source": "lender_site",
      "source_url": "https://www.ttcu.com/loans-credit/home-loans/mortgage-loan-originators/todd-piles",
      "verified_at": "2026-10-16"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 65,
    "current_employment": {
      "lender_nmls_id": 401680,
      "lender_name": "TTCU Federal Credit Union",
      "lender_slug": "ttcu-federal-credit-union-401680",
      "branch_city": "Bixby",
      "branch_state": "OK",
      "branch_zip": "74008",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.ttcu.com/loans-credit/home-loans/mortgage-loan-originators/todd-piles",
      "lender_type": "credit_union",
      "source": "lender_site",
      "source_url": "https://www.ttcu.com/loans-credit/home-loans/mortgage-loan-originators/todd-piles",
      "verified_at": "2026-10-16"
    },
    "employment_history": [
      {
        "lender_nmls_id": 401680,
        "lender_name": "TTCU Federal Credit Union",
        "lender_slug": "ttcu-federal-credit-union-401680",
        "branch_city": "Bixby",
        "branch_state": "OK",
        "branch_zip": "74008",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.ttcu.com/loans-credit/home-loans/mortgage-loan-originators/todd-piles",
        "lender_type": "credit_union",
        "source": "lender_site",
        "source_url": "https://www.ttcu.com/loans-credit/home-loans/mortgage-loan-originators/todd-piles",
        "verified_at": "2026-10-16"
      }
    ],
    "licenses": [],
    "specialties": [],
    "lender_offers": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "25",
        "source": "lender_site",
        "source_url": "https://www.ttcu.com/loans-credit/home-loans/mortgage-loan-originators/todd-piles",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "service_area",
        "value": "Bixby",
        "source": "lender_site",
        "source_url": "https://www.ttcu.com/loans-credit/home-loans/mortgage-loan-originators/todd-piles",
        "verified_at": "2026-10-16"
      }
    ],
    "last_verified_at": "2026-10-16",
    "updated_at": "2026-10-16 22:45:51.939591+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/todd-piles-469172#contact",
      "note": "Phone and email are shown on the profile page after a quick human check, one profile at a time. They are not available through the API or MCP. To reach this loan officer, open reveal_url or lender_profile_url.",
      "source": "lender_site",
      "source_url": "https://www.ttcu.com/loans-credit/home-loans/mortgage-loan-originators/todd-piles",
      "verified_at": "2026-10-16"
    },
    "earliest_license_record": null,
    "licensed_since": null,
    "federal_registration": {
      "status": "likely",
      "basis": "employer_type",
      "employer_type": "credit_union",
      "note": "Federally registered MLOs aren't state-licensed; verify at NMLS"
    }
  }
}