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We are excited to share that we just rose to the top of Bankrate\u2019s list of Best Online Lenders in 2025.<\/a> Bankrate evaluates mortgage lenders based on three key areas: affordability, availability, and borrower experience. They compile data from lender disclosures, regulatory filings, and trusted third-party sources to deliver a comprehensive, objective rating.<\/p>\n\n\n\n <\/p>\n\n\n\n So, how\u2019d we get to the top of their list? Well, it\u2019s a huge testament to our team\u2019s hard work. Growing as fast as we have without sacrificing the quality of our care is no small thing. And, of course, people love to save money\u2014what\u2019s not to love about low rates and no added lender fees.<\/p>\n\n\n\n <\/p>\n\n\n\n But when we look at our long line of 5-star reviews, there\u2019s something else that stands out: omotenoshi. It\u2019s a Japanese concept that inspired the creation of our company. It\u2019s about anticipating what someone wants, before they know they need to ask for it, so that everything feels a little more seamless and delightful.<\/p>\n\n\n\n <\/p>\n\n\n\n Some examples from<\/strong> our reviews: <\/a><\/p>\n\n\n\n <\/p>\n\n\n\n \u201cWe had an amazing experience financing our new home with Tomo. No roadblocks or issues, the process was smooth and our loan processors were on top of things every step of the way. The process was better than using larger banks like Wells Fargo.\u201d <\/p>\n<\/blockquote>\n\n\n\n <\/p>\n\n\n\n \u201cI knew Tomo was different because they were the only lender that didn’t constantly try to hound me via text and phone after I went through initial setup steps. I shopped around for different lenders and looked at Better, Rocket, Wells Fargo, SoFi and smaller local lenders before going with Tomo.\u201d<\/p>\n<\/blockquote>\n\n\n\n <\/p>\n\n\n\n \u201cWhat really stood out was their transparency and responsiveness.\u201d<\/p>\n<\/blockquote>\n\n\n\n <\/p>\n\n\n\n We award team members for demonstrating omotonoshi in their roles each month. And it\u2019s led to a lot of seemingly obvious (yet completely unheard-of) innovations in the business. Like, we don\u2019t force you to talk to a salesperson to see our rates\u2014it\u2019s out in the open, right on our website. We don\u2019t even force you to give up your personal information.<\/p>\n\n\n\n <\/p>\n\n\n\n We are so thankful for each customer we have been able to fund a mortgage for, and for the growth to come. Because, we\u2019re just getting started. We\u2019re about to unveil some pretty incredible new examples of omotenoshi in the coming months that home buyers are going to love. But no spoilers just yet. <\/p>\n\n\n\n <\/p>\n\n\n\n And if you\u2019re into the omotenoshi spirit, we might have a role for you. Reach out to our talent team at talent@tomo.com<\/a>.\u00a0<\/p>\n\n\n\n <\/p>\n\n\n\n\n
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