# Tomo Mortgage, LLC

> **Canonical URL:** https://saferate.com/lenders/tomo-mortgage


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Tomo Mortgage, LLC is a independent mortgage company, headquartered in Wilmington, DE, serving borrowers across 30 states, with 980 loans originated in the most recent reporting period.

**At a Glance:**
- **Approval Rate:** Ranks in the top 80% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 254900HEJ9F73IMPX887
- **Headquarters:** Wilmington, DE
- **Geographic Reach:** Near-National
- **States Served:** 30
- **State List:** AL, AR, AZ, CA, CO, CT, DC, FL, GA, IA, ID, IL, KY, LA, MD, MI, MN, NC, NE, NJ, OH, OK, OR, PA, SC, TN, TX, VA, WA, WI
- **Markets (MSAs):** 29
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pull Through: Mediocre 😐
- Score: 20/100
- Rating: ●○○○○ (1/5)


### Lending Volume
- **Total Loans:** 980
- **Dollar Volume:** $406 million
- **Applications Received:** 2,330
- **Market Share:** 3.00%

## Typical Borrower Profile

- **Average Loan Amount:** $414,031
- **Average Borrower Income:** $206,234
- **Average Property Value:** $555,786

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 54/100 | 923 | -0.197% | $0 | Sound ☺️ |
| FHA | 41/100 | 35 | - | - | Sound ☺️ |
| VA | 41/100 | 19 | - | - | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 923 loans, Score: 57/100 (Sound)

**FHA:**
- Purchase: 35 loans, Score: 40/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 57/100 | 980 | $406M | -0.197% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 157 | 0.04% | 62/100 |
| CA | 83 | 0.03% | 55/100 |
| FL | 79 | 0.03% | 54/100 |
| NC | 79 | 0.05% | 57/100 |
| CT | 60 | 0.17% | 60/100 |
| GA | 56 | 0.04% | 55/100 |
| NJ | 49 | 0.06% | 56/100 |
| CO | 40 | 0.05% | 52/100 |
| WA | 38 | 0.04% | 53/100 |
| VA | 37 | 0.03% | 51/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 81 | 47/100 |
| Houston | TX | 59 | 58/100 |
| Dallas | TX | 40 | 54/100 |
| Atlanta | GA | 32 | 51/100 |
| Charlotte | NC-SC | 24 | 49/100 |
| Raleigh | NC | 23 | 50/100 |
| Austin | TX | 22 | 49/100 |
| Denver | CO | 22 | 48/100 |
| Arlington | VA-WV | 19 | 46/100 |
| Hartford | CT | 19 | 49/100 |
| Chicago | IL | 18 | 44/100 |
| Portland | OR-WA | 16 | 45/100 |
| Seattle | WA | 16 | 46/100 |
| Bridgeport | CT | 15 | 47/100 |
| Lakewood | NJ | 15 | 44/100 |

## Frequently Asked Questions

### What loan types does Tomo Mortgage, LLC offer?

Tomo Mortgage, LLC offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Tomo Mortgage, LLC offer mortgages?

Tomo Mortgage, LLC offers mortgages in 30 states: AL, AR, AZ, CA, CO, CT, DC, FL, GA, IA, ID, IL, KY, LA, MD, MI, MN, NC, NE, NJ, OH, OK, OR, PA, SC, TN, TX, VA, WA, WI.

### What type of lender is Tomo Mortgage, LLC?

Tomo Mortgage, LLC is a non-depository lender that specializes in mortgage origination, headquartered in Wilmington, DE.

### What is Tomo Mortgage, LLC's loan approval success rate?

Tomo Mortgage, LLC has a pull-through score of 20/100 (Acceptable). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/tomo-mortgage

### How to Cite

> "Tomo Mortgage, LLC Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/tomo-mortgage

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