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Tomo Mortgage, LLC
Independent Mortgage Company|Wilmington, DE|Near-National
Loans Originated
980
Applications
2,330
Volume
$405 million
Offers loans directly to consumers
Overall Pull Through
Mediocre
Pricing and Pullthrough Overview
Pullthrough Rate
42.1%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Nationwide availability with consistent service
Things to Think About
- Pull through efficiency is below industry average
Report Card
Tomo Mortgage, LLC performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | N/A | No data available | |
Pull Through Closing Strength | Mediocre | Below peers | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Sound | Industry Standard | |
FHA | Sound | Industry Standard | |
VA | Sound | Industry Standard | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Sound | Industry Standard | |
Places Geographic coverage | Sound | Near-National · 29 metro areas · 30 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$414,031
Average Borrower Income
$206,234
Average Property Value
$555,786
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Acceptable | Sound | N/A | Mediocre | 923 | 94.2% | -0.197% | $0 |
FHA Loans | Acceptable | Sound | N/A | Mediocre | 35 | 3.6% | — | — |
VA Loans | Acceptable | Sound | N/A | Mediocre | 19 | 1.9% | — | — |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Acceptable | Sound | N/A | Acceptable | 980 | 100.0% | -0.197% | $0 |
Geographic Coverage
Metro Areas
28
States Served
30
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
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Top Metro Areas by Place Specialization Score
1
Houston, TXMSA
Volume: 59Mix: 6.02%
Place Specialization
Sound
2
Dallas, TXMSA
Volume: 40Mix: 4.08%
Place Specialization
Sound
3
Atlanta, GAMSA
Volume: 32Mix: 3.27%
Place Specialization
Sound
4
Raleigh, NCMSA
Volume: 23Mix: 2.35%
Place Specialization
Sound
5
Charlotte, NC-SCMSA
Volume: 24Mix: 2.45%
Place Specialization
Sound
6
Austin, TXMSA
Volume: 22Mix: 2.24%
Place Specialization
Sound
7
Hartford, CTMSA
Volume: 19Mix: 1.94%
Place Specialization
Sound
8
Denver, COMSA
Volume: 22Mix: 2.24%
Place Specialization
Sound
9
Bridgeport, CTMSA
Volume: 15Mix: 1.53%
Place Specialization
Sound
10
Arlington, VA-WVMSA
Volume: 19Mix: 1.94%
Place Specialization
Sound
Showing 10 of 28 metro areas
Top States by Place Specialization Score
1
TXState
Volume: 157Mix: 16.02%
Place Specialization
Strong
2
CTState
Volume: 60Mix: 6.12%
Place Specialization
Sound
3
NCState
Volume: 79Mix: 8.06%
Place Specialization
Sound
4
NJState
Volume: 49Mix: 5.00%
Place Specialization
Sound
5
GAState
Volume: 56Mix: 5.71%
Place Specialization
Sound
6
CAState
Volume: 83Mix: 8.47%
Place Specialization
Sound
7
FLState
Volume: 79Mix: 8.06%
Place Specialization
Sound
8
WAState
Volume: 38Mix: 3.88%
Place Specialization
Sound
9
COState
Volume: 40Mix: 4.08%
Place Specialization
Sound
10
VAState
Volume: 37Mix: 3.78%
Place Specialization
Sound
Showing 10 of 24 states
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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