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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      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!

      Brent Kingsville, MD

      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!

      Felipe Bel Air, MD

      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!

      Tara Edgewood, MD

      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.

      Tonya Thames Perry Hall, MD

      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.

      Michael Baltimore, MD

      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.

      Rachael Bel Air, MD

      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!

      Kingsville, 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

      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!

      Perry Hall, MD
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