Tips, trends and insights for homebuyers like you.
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How the biggest lenders quietly drove up mortgage fees and why it matters for homebuyers
Mortgage fees have climbed in recent years—but not evenly. New data from Tomo TrueRate shows that the largest mortgage lenders are driving the biggest increases in lender fees, far outpacing both inflation and smaller competitors. The data reveals a growing pricing disparity that raises questions about how lender size influences cost—and how informed buyers can… Read more
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2025 mortgage interest rate forecast
See how Tomo Mortgage’s head of Capital Markets breaks down the latest mortgage rate forecasts, predictions, and outlooks for 2024. Read more
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How the biggest lenders quietly drove up mortgage fees and why it matters for homebuyers
Mortgage fees have climbed in recent years—but not evenly. New data from Tomo TrueRate shows that the largest mortgage lenders are driving the biggest increases in… Read more
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Loan officers share the tricks that get you to overpay
The mortgage industry has gotten very good at ripping people off. Between excessive fees and inflated interest rates, the average homebuyer overpays by $3,500 at closing.… Read more
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2025 Mortgage Review: First American Bank
First American Bank is a privately held, full-service community bank and direct mortgage lender headquartered in Elk Grove Village, Illinois. Founded in Chicago and with a… Read more
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Tomo Mortgage Launches TrueRate – A Free AI-based Tool to Help Homebuyers Avoid Being ‘Ripped Off’ by Mortgage Lenders
Tomo Mortgage aims to hold the mortgage industry accountable for inflated rates, hidden fees and misleading pricing that will cost U.S. homebuyers $11 billion in 2025… Read more
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2025 Mortgage Review: Affinity Federal Credit Union
Affinity Federal Credit Union is a member-owned, nonprofit financial institution headquartered in Basking Ridge, New Jersey. Founded in 1935, Affinity is the largest credit union headquartered… Read more
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2025 Mortgage Review: Equity Bank
Equity Bank is a community-focused, full-service bank and direct mortgage lender headquartered in Wichita, Kansas. Founded in 2002, Equity Bank has grown to operate more than… Read more
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2025 Mortgage Review: Indiana Members Credit Union
Indiana Members Credit Union (IMCU) is a member-owned, not-for-profit financial cooperative and direct mortgage lender headquartered in Indianapolis, Indiana. Founded in 1956 as the Indiana University… Read more
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2025 Mortgage Review: INTRUST Bank
INTRUST Bank is a privately held, community-focused, full-service bank and direct mortgage lender headquartered in Wichita, Kansas. Founded in 1876, it is one of the oldest… Read more
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2025 Mortgage Review: Union Square Credit Union
Union Square Credit Union, founded in 1957 and headquartered in Wichita Falls, Texas, is the largest credit union in the Texoma region. Serving over 36,000 members… Read more
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AI is making it harder to hire humans
Overseeing the hiring process for technical roles at Tomo, I’ve seen a dramatic and disturbing rise in job applicants who are—frankly—fake. Some even make it to… Read more
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2025 Mortgage Review: Elements Financial Federal CU
Elements Financial Federal Credit Union is a member-owned, not-for-profit financial cooperative and direct mortgage lender headquartered in Indianapolis, Indiana. With more than 100,000 members and over… Read more
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2025 Mortgage Review: LCNB National Bank
LCNB National Bank is a locally owned, full-service community bank and direct mortgage lender headquartered in Lebanon, Ohio. Founded in 1877 as The Lebanon Citizens National… Read more