Thomas Richard Cumpston

First Home Mortgage
Participating lenders have agreed to a LENDAID code of conduct relative to transparency and independent customer surveys.
Equal Housing Opportunity
Job Title
Branch Manager
Career Started
122 S. Main Street, Bel Air, Maryland
For updated license info and work history visit  NMLS Consumer Access
Reviews are independently sourced by LENDAID from closed loan customers to ensure true, unbiased feedback of the loan officer's customer experience.

About Thomas Richard Cumpston

First Home Mortgage Corporation, NMLS ID #71603 (

Thomas's Reviews

4.9 Stars - 135 Reviews
"He is wonderful! Knowledge, helpful, caring and kind! "
Buying - Towson, Maryland July 2018
"My experience with them was great; they answered all my questions and were very pleasant and professional. I would recommend them."
Buying - Bel Air, Maryland July 2018
"He was professional, caring and worked hard to help us figure out the best way forward for our investment needs. "
Refinance - Bel Air, Maryland December 2017
"Very responsive and helpful!"
Buying - Havre De Grace, Maryland January 2018
"He made this potentially difficult process SO easy and fun! Highly recommend!"
Buying - Abingdon, Maryland March 2018
"The team made the entire refinance process seamless! I would recommend them to everyone I know!!!"
Refinance - Nottingham, Maryland April 2018
"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!!"
Buying - Forest Hill, Maryland May 2018
Refinance - Nottingham, Maryland June 2018
"Great experience. Explains everything clearly and makes the process very easy. "
Refinance - Sykesville, Maryland October 2018
Buying - Joppa, Maryland October 2018
"I worked with Tom for over a year, a lot of roadblocks. Tom and I worked through everything. Tom cares about his clients and I would recommend him to anyone I know trying to buy a house. "
Buying - Aberdeen, Maryland November 2018
"The entire team was extremely helpful and very accessible anytime. They answered any questions we had and really explained the home buying process for us first timers! We are extremely greatful and I recommend Tom and First Home to anyone looking to start this process! "
Buying - Perry Hall, Maryland November 2018
"All good as usual. "
Refinance - Lutherville Timonium, Maryland November 2018
"I have used Tom for every mortgage I've needed and will continue to do so. He and his team work hard and get it done for me every time!"
Buying - Sparrows Point, Maryland December 2018
"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". "
Buying - Perryville, Maryland December 2018
"Everything was fantastic, his entire team is amazing and walked us through every step. True professionals! "
Buying - Aberdeen, Maryland January 2019
"Very good experience"
Buying - Aberdeen, Maryland February 2019
"He is the best! We love him!!!!"
Buying - Bel Air, Maryland April 2019
"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!"
Buying - Abingdon, Maryland April 2019
"Tom and his staff made the whole experience painless and were a pleasure to work with."
Buying - Upper Falls, Maryland April 2019
"Had a great experience with Tom Cumpston. He was so personable and really works for the client no matter the time of day. Would definitely recommend him to a friend!"
Buying - Middle River, Maryland April 2019
Buying - Bel Air, Maryland June 2019
"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. "
Buying - Churchville, Maryland June 2019
"They are incredible to work with. Very professional and on top of things. They go above and beyond to help you in your home buying process."
Buying - Joppa, Maryland June 2019
"Professional and friendly. I have recommended friends already."
Buying - Belcamp, Maryland June 2019
"Mr. Cumpston was very knowledgeable about the mortgage process and willing to work through issues that came up along the way. His staff and assistant were patient and always willing to assist and answer questions. Would definitely recommend them!"
Buying - Bel Air, Maryland June 2019
Refinance - Owings Mills, Maryland June 2019
"Always thier to answer any questions I had and always trying to make the whole home buying process easier for me! Very happy with my experience and will definitely recommend to friends and family great guy with a great team!"
Buying - Kingsville, Maryland July 2019
Buying - Joppa, Maryland July 2019
"They were there every step of the way, answering any questions and working so quickly to get me into my first house in less than one month. Thank you to Tom and all of the staff who I worked with. "
Buying - Nottingham, Maryland July 2019
"If you need a loan officer Tom is the best. He really works to the best of his ability. I love his straight forward and honest character. He helped my wife and I get our first home a couple weeks ago. He's definitely one of the best!!!"
Buying - Abingdon, Maryland July 2019
"Thom is the man and his team is awsome I'll for sure recommend everyone to them"
Buying - Joppa, Maryland August 2019
"I have always felt secure and confident when working with Tom."
Buying - Sparrows Point, Maryland September 2019
"Tom is the best. He was there through the whole process to get us through this. We could not have done this with out him. Thank you for everything you have done for us. You are the best and I would recommend him to everyone I know."
Buying - Edgewood, Maryland September 2019
"Tom and his team was nothing short of remarkable through the loan process! He was compassionate, listened, and advised in the upmost professional manner, providing sound pathways toward determining and securing loans both most appropriate and in my best interests. I could not have asked for a more bright and genuine person to support me along the way!"
Buying - Baltimore, Maryland October 2019
"This is my second opportunity to use them for the purchase and refi for my home. The experience was very good."
Refinance - Aberdeen, Maryland November 2019
"Tom is absolutely FANTASTIC and the service he has provided to us has been top notch. I highly recommend Tom and First Home Mortgage for all your mortgage needs, there's no one better!"
Refinance - White Hall, Maryland November 2019
"Reassuring and amazing! Very knowledgeable. He was available whenever I needed him. Fast response time and very pleasant to work with!"
Buying - Bel Air, Maryland November 2019
"Tom is the best, Tom and his team worked diligently to ensure that I closed on time. He communicated even while on vacation for his anniversary that alone was admirable. He made the experience feel very personable and he partnered me with the perfect realtor. This is my first home buying experience and I can truly say I pick the perfect place. I will be using his services again in the future. And I will recommend them to my friends and family as well."
Buying - Belcamp, Maryland December 2019
"Tom and his team were so helpful and patient with me throughout this whole process. I had a lot of questions and repeat questions which I felt bad about. My repeat questions were answered as if it was the first time I had asked it. I could not have asked for a better experience or a better group to work with. They all made me feel like I had known them for years."
Refinance - Bel Air, Maryland December 2019
"Thomas Richard Cumpston and First Home Mortgage are simply the best. My experience with them was awesome."
Buying - Rosedale, Maryland December 2019
"Tom is awesome! I would recommend him to anyone looking to buy a home."
Buying - Baltimore, Maryland January 2020
"Tom was without a doubt the single greatest asset I had in this process. His knowledge and steady hand guided me through this as smoothly as can be."
Buying - Abingdon, Maryland February 2020
"The whole team was so incredibly kind, informed, and helpful with all my questions throughout the whole process. They understood that I was new to the terminology and answered all my emails so quickly!"
Buying - Towson, Maryland February 2020
Buying - Essex, Maryland March 2020
"Have worked with Tom and his staff multiple times and they are very professional, kind, and know exacty what to do. They walk you through every step whether it is a new purchase or a refinance."
Refinance - Jarrettsville, Maryland March 2020
"Tom did an excellent job! He made magic happen. I couldn't have been more happy with every thing he did for me."
Refinance - Bel Air, Maryland April 2020
"Tom and his awesome team made the process so easy. Thanks again"
Refinance - Bel Air, Maryland April 2020
"Tom and his team were wonderful! Always there to answer any questions we had."
Buying - Forest Hill, Maryland April 2020
Buying - Essex, Maryland April 2020
"Tom did a great job."
Buying - Bel Air, Maryland May 2020
"Tom is an experienced lender with a lot of knowledge. He genuinely cares about his clients and he was a joy to work with during the process of purchasing our first home!"
Buying - Sykesville, Maryland May 2020
"Mr. Cumpston was resourceful, responsive, and truly the most amazing mortgage broker in the history of mortgage brokers."
Refinance - Ocean City, Maryland June 2020
"Extremely knowledgeable and helpful. Very easy to get ahold at different hours of the day. Thomas made the entire process painless and went out of his way to help us with some unexpected things that came up during the refi."
Refinance - Bel Air, Maryland June 2020
"Tom always gives the correct advice for what is best for our mortgage options. I would always recommend him to any of my friends and family."
Refinance - Bel Air, Maryland June 2020
"no hassle perfect"
Refinance - Jarrettsville, Maryland June 2020
"Everyone was extremely helpful and Tom went above and beyond throughout the entire process. I had a great experience with First Home. "
Buying - Baltimore, Maryland July 2020
"Tom and his crew are top notch. They shower you with information that is easily digestible. Always a pleasure to work with these folks. "
Refinance - Abingdon, Maryland July 2020
"I've bought 2 houses through Tom and his team, they were timely and professional. I have recommended them to many of my colleagues."
Buying - Havre De Grace, Maryland July 2020
"Tom is the man!"
Refinance - Bel Air, Maryland August 2020
"Tom and his team were on top of their game and held my hand through each step. "
Buying - Rehoboth Beach, Delaware September 2020
"Tom has been our mortgage person since 1998. He is very professional and knowledgeable on the loans and products and programs that are available to help anyone obtain a mortgage. His advice and recommendations have helped us for many years. Truly the best in our book."
Refinance - Pylesville, Maryland September 2020
Buying - Abingdon, Maryland September 2020
"Tom is great! He answered any and all questions and helped me purchase the home as well as refinance."
Refinance - Abingdon, Maryland October 2020
Refinance - Fallston, Maryland October 2020
"Very good!"
Buying - Abingdon, Maryland October 2020
"This is my second time working with Tom on a mortgage. Tom is very knowledgeable. He explains things so it's easy for you to understand the complicated loan process. He gave me all scenarios--the good and the bad--and helped me make the best decision for me. He kept in touch with me every step of the way. If I ever need another mortgage, I will call Tom. I have referred him to several friends already. I totally trust him. Besides, he is a very nice, honest, and caring person. If I called or texted him, he responded right away. I felt like I was his only client. "
Refinance - Baltimore, Maryland October 2020
"Always makes it easy."
Refinance - Street, Maryland October 2020
"Thomas and his staff were exceptional! The application process and submission of documents needed to obtain the loan approval was quite easy, with everything being submitted through an online portal. His staff kept me informed at every step of the process, with quick responses to any question we had. From the time I contacted First Mortgage to the loan settlement of my refinance, it was less than 5 weeks. I have recommended First Home Mortgage to 2 family members and a friend. "
Refinance - Columbia, Maryland October 2020
Refinance - Forest Hill, Maryland November 2020
"Genuinely cares about the clients he has he was always there to answer any questions "
Buying - Bel Air, Maryland November 2020
"Mr. Cumpston went out of his way to make sure I was comfortfable through the entire process and to answer any questions I had along the way."
Refinance - Sykesville, Maryland November 2020
"His compassion, honesty, practicality, experience and professionalism set him way above any financier I have dealt with over the past 45 years of homeownership.  He is truly dedicated to what is in the best interest of the client. He is a great leader of his team keeping the process on track and making sure things get done right the first time."
Buying - Berlin, Maryland December 2020
"Thomas is a knowledgable person who goes above and beyond the call to make sure his clients are aware of their options and the impact of their decisions. He cares about each client he serves. "
Refinance - Baltimore, Maryland December 2020
"Had a great experience buying my first home with First home mortgage! Tom was there for any questions I had and was super helpful and friendly!"
Buying - Conowingo, Maryland December 2020
"Tom and his team were very professional and helpful. Our refi went through quickly with no problems. I highly recommend them. "
Refinance - Baltimore, Maryland December 2020
"Great to work with. Friendly and answered all our questions. I consider him a friend. "
Refinance - Owings Mills, Maryland December 2020
"Tom was Great!! Answer all my crazy questions day or night. The loan process went smoothly!"
Buying - Abingdon, Maryland January 2021
"Tom goes over and above for his clients. It seems he is always working. I am not sure if he takes a break. He is super pleasant to work with and he genuinely cares about his clients."
Refinance - Bel Air, Maryland January 2021
"My experience with Tom and the First home mortgage staff was amazing. They went up and beyond to help my family and I get the best available option during our refinance. I highly recommend working with them."
Refinance - Abingdon, Maryland January 2021
Refinance - Baltimore, Maryland January 2021
"First Home Mortgage offers exceptional customer service and goes above and beyond in giving the best experience possible from beginning to end. They deliver on their word!"
Buying - Bel Air, Maryland February 2021
"Extreme lack of communication "
Refinance - Glen Burnie, Maryland March 2021
"Tom was very knowledgeable, dedicated, and always willing to help. He was able to answer any questions we had and explain everything well. He helped us through any issues we had while being very professional and honest. He was awesome. "
Buying - Phoenix, Maryland March 2021
"Tom is very professional and friendly at the same time. He has your best interest in mind when he advises you. "
Refinance - Churchville, Maryland March 2021
"Very helpful I was very satisfied"
Refinance - Fallston, Maryland March 2021
"I'll never use anyone else! "
Refinance - Bel Air, Maryland March 2021
"Great service"
Refinance - Ocean City, Maryland March 2021
"Tom and his team worked with me for over a year to help us achieve our dream of owning a home. They practically held our hand every step of the way. I've recommended him to two of my friends who are in the market to buy their first home"
Buying - Hagerstown, Maryland April 2021
Refinance - Parkville, Maryland April 2021
"Very helpful, answered all questions I had and explained everything in a way I could understand"
Buying - Whiteford, Maryland April 2021
"Tom was always quick to reply and very thorough and clear in his responses. He and his whole team were incredibly helpful and I'm still amazed at how smoothly and quickly the whole process was. I thought it would take much longer than it did."
Refinance - Bel Air, Maryland April 2021
Buying - Baltimore, Maryland May 2021
"Tom was extremely great to work with from our initial pre-qualification clear through to settlement. He and his staff were very personable and very responsive to situations as they arose. You could reach Tom personally any time day or night with any questions or concerns as he will always make time clarify or respond to your issues. I would highly recommend Tom and the First Home Mortgage organization to any and all. "
Buying - Port Deposit, Maryland June 2021
"Tom is a very nice guy who knows his stuff. I'd recommend him to everyone. "
Refinance - Abingdon, Maryland June 2021
"I feel Tom went above and beyond for me. Tom was there for every step of the loan. He was there to answer my calls at all times. And he really made the whole loan process as stress free as it could be. He was awesome!"
Buying - Baltimore, Maryland July 2021
"Tom is the best! Thank you for all of your help!"
Buying - Parkville, Maryland August 2021
"USE THOMAS AND HIS TEAM! They were amazing."
Buying - Aberdeen, Maryland September 2021
"Tom is always helpful"
Refinance - Centreville, Maryland October 2021
"Tom Kept me updated on everything and explained every question without me even asking it!!"
Buying - Joppa, Maryland October 2021
"Not one problem everything on time completely satisfied "
Refinance - Baltimore, Maryland October 2021
"Tom and the team did an amazing job working tirelessly for me. Tom personally would work with me directly late into the evening to make sure proper documents were signed or provided. All while being very friendly and patient. The team was typically prompt to respond to any questions I may have had and guide me through a very tough process though this global pandemic which has shocked the markets. "
Buying - Parkville, Maryland October 2021
"Very friendly and easy to work with. Customer service is outstanding! Thank you to Tom and your team"
Buying - Havre De Grace, Maryland November 2021
"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."
Buying - Parkville, Maryland December 2021
"Nothing to tell. Tom was responsive to my refi inquiry and he did his job well to help me."
Refinance - Abingdon, Maryland December 2021
"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!"
Buying - Shrewsbury, Pennsylvania December 2021
"We used First Home Mortgage for the purchase of our current home. We received such good service that we didn't both looking around when it came time to re-fi to a conventional loan. We are very happy with Tom and First Home Mortgage."
Refinance - Lutherville Timonium, Maryland December 2021
"The experience was quick and easy. Tom and other staff were friendly and knowledgeable and answered any questions I had."
Refinance - Bel Air, Maryland December 2021
"Very helpful and kept us updated all along the process. Highly recommended."
Buying - Frederick, Maryland February 2022
"Incredible experience working with first home from start to finish!"
Buying - Baltimore, Maryland March 2022
"Extremely professional and 100 percent available! "
Buying - Rehoboth Beach, Delaware March 2022
Buying - Windsor Mill, Maryland March 2022
"Responds to emails at a reasonable time frame, friendly, and very helpful."
Buying - Belcamp, Maryland April 2022
"Extremely knowledgeable, flexible and patient. Definitely puts his customers first"
Buying - Havre De Grace, Maryland April 2022
"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! "
Buying - Middle River, Maryland May 2022
"Tom is the best there is! "
Buying - Havre De Grace, Maryland May 2022
"Mr Cumpston and team were super helpful, laying out all the finance and down payment options, and available to answer questions. "
Buying - Aberdeen, Maryland May 2022
"Excellent. Very helpful and professional"
Buying - Baltimore, Maryland May 2022
"Tom is amazing. He is very honest, helpful and a great person."
Buying - Bel Air, Maryland June 2022
"Absolutely love Tom!! This is the second home purchase he has helped me with. He is knowledgeable, efficient, honest and just a fantastic human being on top of all of that. Can not say enough good words about him."
Buying - Bel Air, Maryland July 2022
"When I first emailed Tom, it was based off of reference from a close friend. When he replied, the initial response went to my spam folder for some reason. He emailed again and luckily that came to my inbox. That email exchange was followed up with a phone call. We talked on the phone multiple times. He was personable and professional at the same time. I didn’t have much interaction with his team because he was so involved. He educated and gave real time advice when needed. He answered texts and followed up on miss calls. Once it came time for the loan processing and underwriting, the customer service didn’t stop. Tiffany was great and communicated what was needed. We are very thankful for and happy with First Home Mortgage. "
Buying - Baltimore, Maryland July 2022
Buying - Forest Hill, Maryland August 2022
"I love Tom and his team. This is my 2nd home fiancé with first home. Tom is very informative and the process was easy. I have nothing but good reviews. He’s a wonderful person. I will definitely use him again and refer all my friends and family."
Buying - Perry Hall, Maryland September 2022
"Thomas was simply amazing. I could not have asked for a better person to help me on the purchase of my first home! He went above and beyond and truly helped me understand the process and addressed all my many questions. I am so thankful that my friend recommended Thomas, and I will 100% be recommending him to all my clients and friends. Thomas IS THE BEST!"
Buying - Bel Air, Maryland November 2022
"Tom and his team were responsive, friendly, and available for any questions or requests I had. Thanks to their expertise and initiative, I closed in about three weeks from offer acceptance!"
Buying - Edgewood, Maryland November 2022
"Tom and his group are phenomenal. Borrowing can be a challenge when self employed. Tom and his team were able to navigate me through the process with ease. I highly recommend! "
Buying - Kingsville, Maryland December 2022
"Tom and his team helped every step of the way. "
Buying - Phoenix, Maryland January 2023
"Tom was fantastic to work with!! We felt supported in our goals from day one, and felt more confident knowing we could reach out to him at any time. With his expertise, we were able to lock in a great rate and even utilize a grant that covered half of our down payment! Thank you so much Tom, Shana, and team for helping us get into our first home!"
Buying - Baltimore, Maryland February 2023
Buying - Lutherville Timonium, Maryland March 2023
"Thomas will always take the time for your needs"
Buying - Belcamp, Maryland April 2023
Buying - Venice, Florida June 2023
"Tom was very helpful and quick to respond to all of my questions and concerns. He made the process so much easier for me. I have worked with him previously on other loans and will continue to and will recommend him to everyone I know. "
Buying - Darlington, Maryland July 2023
"Very hands on, helpful, and knowledgeable."
Buying - Baltimore, Maryland October 2023
"Working with Tom, Tiffany, and Shana has been such a pleasure. My wife and I were completely new to the process being first-time homebuyers, so we came in with a load of questions. Tom and his team were available around the clock and always answered our questions with compassion, professionalism, urgency, and thoroughness. Tom was always available for phone-calls and was dedicated to making sure I understood everything every step of the way. Once we were locked in and approved, Tiffany went above and beyond for us. She was on top of everything and was always one-step ahead. Because of their hard work, we closed on time and were stress free the entire process. Would highly recommended this fantastic team!!! "
Buying - Baltimore, Maryland May 2024
"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!"
Buying - Finksburg, Maryland May 2024

Thomas's Sample Area of Work

Contact Thomas Richard Cumpston

Select your loan type
I am interested in
We respect your privacy and will share your information with this loan officer ONLY. See our Privacy Policy