Tomo Mortgage Llc
New York, NY · What the federal mortgage record shows about how Tomo Mortgage Llc treated New Jersey applicants, 2018–2025 — 280 reported decisions. This is historical behavior, not a prediction about your loan.
Share of 280 New Jersey applications Tomo Mortgage Llc approved vs. denied. Excludes loans it merely purchased on the secondary market, and applications withdrawn or left incomplete.
Approval rate by loan type
“NJ” = the statewide average approval rate for that loan type, for comparison.
Approval rate over time
Pricing
Adjusting for its loan-type mix, Tomo Mortgage Llc’s rates ran -0.42 pp lower than the typical New Jersey lender (average rate spread -0.19 pp above the market benchmark). Rate spread is APR minus the average prime offer rate; positive means costlier than the low-risk benchmark.
Who Tomo Mortgage Llc approves
Thin.
Why Tomo Mortgage Llc denied applications
Where Tomo Mortgage Llc lends in NJ
| County | Decisions | Approval |
|---|---|---|
| Bergen County | 42 | 83.3% |
| Morris County | 36 | 86.1% |
| Middlesex County | 25 | 84.0% |
Fees & closing costs
Median lender and third-party costs (the Loan Estimate’s “total loan costs”) on Tomo Mortgage Llc’s home-purchase originations — 0.94 points lower than the 1.93% New Jersey median. Typical lender credit toward costs: $277. Excludes prepaid taxes/insurance and escrow deposits. Fees are reported on roughly two-thirds of originations (small lenders are exempt). Methodology →
Compare Tomo Mortgage Llc to other lenders for your profile
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Open the approval tool →Source: CFPB HMDA loan-level data, 2018–2025 · first-lien, closed-end mortgages on 1–4 family homes in New Jersey reported by Tomo Mortgage Llc (LEI 254900HEJ9F73IMPX887). Rates describe past reported outcomes for the lender’s applicant pool and are not a prediction for any individual. Methodology →