Tom Cumpston

Tom Cumpston
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Branch Manager

NMLS ID 173885
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Office Address: address icon

122 South Main Street
Bel Air, MD 21014
Office Phone: phone icon

410-879-0160
Cell Phone: phone icon

410-808-4211
Licensed in: Delaware (MLO-173885), Florida (LO102232), Maryland (173885), Pennsylvania (45798)
To verify licenses, please visit www.nmlsconsumeraccess.org and enter the NMLS ID.
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    Tom Cumpston

    Branch Manager

    NMLS ID 173885
    Lendaid Reviews
    Borrower Portal Login
    Office Address: address icon

    122 South Main Street
    Bel Air, MD 21014
    Office Phone: phone icon

    410-879-0160
    Cell Phone: phone icon

    410-808-4211
    Licensed in: Delaware (MLO-173885), Florida (LO102232), Maryland (173885), Pennsylvania (45798)
    To verify licenses, please visit www.nmlsconsumeraccess.org and enter the NMLS ID.
    Send Tom a Message

      For security purposes, please do not disclose any confidential or sensitive information in the form fields. You can contact me by filling out the information on this page. Please be sure to fill in all fields to ensure a proper response.

      About Tom:

      With over 36 years of experience in the mortgage industry and more than two decades at First Home Mortgage, Tom Cumpston brings unmatched knowledge, trust, and enthusiasm to every home financing journey. As VP Branch Manager of the Bel Air office for over 15 years, Tom has helped countless families achieve their homeownership goals; making the process smooth, stress-free, and even enjoyable.

      Tom is known for his approachable style, straight-talking honesty, and commitment to exceptional service. He takes the time to educate his clients, simplify complex mortgage options, and tailor solutions that truly fit their needs. Whether you’re a first-time buyer, moving up or down, refinancing, or building an investment portfolio, Tom ensures you feel informed, confident, and supported from start to finish.

      A lifelong Marylander and passionate Ravens fan, Tom brings the same energy and dedication to his work as he does to his community. When he’s not helping clients, you’ll find him spending time with his wife and family in Harford County, cheering on his team, or staying deeply involved in
      the local real estate market.

      Testimonials For Tom

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      My partner and I were extremely nervous as this was our first time purchasing a home.

      Tom is phenomenal, no matter what day it is, holiday or not, HE is always there to answer questions if needed. Tom helped with our nerves, and allowed us to breathe..

      Shana has also been such a huge help, she was so fast paced and knows how to make things smoother.. AND because of Tom and Shana, we are now home owners!!!!!

      We RECOMMEND TOM. He’s your guy!!!

      Thank you so much.

      Valerie R Hanover, PA

      Tom and his team are very responsive and will thoroughly explain everything that you may have questions about. I already recommended Tom to a friend and will continue to do so!

      Joshua R Catonsville, MD

      I couldn’t have asked for a better loan officer than Tom. From start to finish, Tom guided me through every step of the process with expertise and care.

      Tom’s knowledge of the mortgage industry is unparalleled, and he took the time to explain all the details clearly, ensuring I understood each aspect of my loan. What I appreciated most was Tom’s responsiveness and availability—I always felt supported and informed.

      Thanks to Tom, I not only secured a competitive mortgage rate but also gained confidence in navigating the homebuying journey. If you’re looking for a top-rated loan officer who genuinely cares about your financial goals, look no further. I highly recommend Tom for an exceptional mortgage experience!

      Tom D Finksburg, MD

      First Home Mortgage was great and they were awesome to work with. Everyone was so friendly and helpful with any questions I had. So happy that First Home Mortgage helped me with my first home purchase! Thanks to Tom for making my first home buy so smooth and exciting!

      Olivia Middle River, MD

      Tom guided me through every step of attainning a home loan. He was always available to answer my questions. I would highly recommend Tom services to people who are looking to purchase a home.

      Todd Parkville, MD

      Tom and his team are the most helpful and insightful group we could have asked for in buying our first home. They answered all of our questions and were with us every step of the way. Everything was seamless and we cannot thank Tom and his team enough!

      Josh+Maria Shrewsbury, PA

      Tom is very friendly and works with you to make sure you get the best rate. He keeps you informed of any changes and gives advice to help you make the right decision.

      Churchville, MD

      Tom was phenomenal! His professionalism, responsiveness and attention to detail were second to none. He always had my best interests in mind. I’d highly recommend Tom!

      Abingdon, MD

      Mr. Cumpston was amazing during my mortgage process. He always emailed me back within a timely matter and answered all my questions. He even emailed me on Thanksgiving morning within 40 minutes, If that’s not service then I don’t know what is! I’ve already recommended people to First Home. After painfully trying to use another bank First Home came to the rescue. I will use them in the future no doubt. Extremely recommend them to anyone looking for more information, or for anyone who wants to get their “First Home”.

      Perryville, MD

      Mr. Cumpston has worked with us for three separate mortgages all were easy and pain free. Tom and his supporting staff are professional, friendly and incredibly hard working. If you need a mortgage see Tom Cumpston FIRST!!

      Forest Hill, MD
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