---
canonical_url: https://lendb.ai/lo/thomas-cumpston-173885
json_url: https://lendb.ai/lo/thomas-cumpston-173885.json
nmls_id: 173885
last_verified: 2026-10-09
---

# Tom Cumpston

Branch Manager at First Home Mortgage, Bel Air, MD. NMLS ID 173885 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/173885)).

**Summary:** Tom Cumpston (NMLS 173885) is Branch Manager at First Home Mortgage, based in Bel Air, MD. Licensed in Florida, confirmed with the state regulator (license LO102232). Also lists Delaware, Maryland and Pennsylvania on the lender page (not yet checked with the state regulator). Licensed since 2022 (per Florida records). States 36 years of experience. Last verified 2026-10-09.

## At a glance

- Licensed since 2022 (per Florida records). This is license history on file, not total experience.
- Years experience (stated by the LO): 36 (source: https://firsthome.com/loan-officers/tom-cumpston/, verified 2026-10-09)
- Licensed in: Florida (FL, confirmed), Delaware (DE, lender_reported), Maryland (MD, lender_reported), Pennsylvania (PA, lender_reported)
- License confidence: confirmed = state regulator roster; lender_reported = listed on the lender page only; federal_registration = inferred from a bank or credit union employer.
- Languages: not listed
- Profile: unclaimed
- Status: active

## Specialties


## About

Tom has 36 years in the mortgage industry and over 15 years managing the Bel Air office at First Home Mortgage. He is known for his approachable style, straight-talking honesty, and commitment to educating clients.

Source: LenDb summary of the lender page, verified 2026-10-09.

## Facts from the lender page and intro

- years_experience: 36. Source: https://firsthome.com/loan-officers/tom-cumpston/, verified 2026-10-09.
- role: VP Branch Manager. Source: https://firsthome.com/loan-officers/tom-cumpston/, verified 2026-10-09.
- service_area: Harford County. Source: https://firsthome.com/loan-officers/tom-cumpston/, verified 2026-10-09.
- credential: Over 20 years at First Home Mortgage. Source: https://firsthome.com/loan-officers/tom-cumpston/, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO102232 | active | confirmed | 2022-02-11 | state_regulator | 2026-10-09 |
| DE | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| MD | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| PA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: First Home Mortgage (NMLS 71603), Bel Air, MD. Source: https://firsthome.com/loan-officers/tom-cumpston/, verified 2026-10-09.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/173885

## Contact

- linkedin_url: https://www.linkedin.com/in/tom-cumpston-9b736211 (source: lender_site, verified 2026-10-09)
- View profile at First Home Mortgage: https://firsthome.com/loan-officers/tom-cumpston/
- Office phone and Email on file: shown at https://lendb.ai/lo/thomas-cumpston-173885#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/173885
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://firsthome.com/loan-officers/tom-cumpston/

Cite as: Tom Cumpston (NMLS 173885), First Home Mortgage. LenDb.ai, https://lendb.ai/lo/thomas-cumpston-173885, last verified 2026-10-09.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._