Delmar Financial Company Mortgage Rates, Fees & Info

St. Louis, MO

LEI: 5493004T9SQFCNRQ2L76

Tax ID: 43-0889809

5 stars - out of 5 stars, based on 80 reviews

Latest/2021 | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

  • SimulatedRates™
  • Originations
  • Relative Rates
  • Relative Fees
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Review & Overview

    Delmar Financial Company is a small mortgage company specializing in Home Purchase and Refi loans. Delmar Financial Company has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: St. Louis, Kansas City, Wichita, Omaha, and Gulfport among others. We have data for 220 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Delmar Financial Company has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Delmar Financial Company is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.


    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    30 Year Conventional Purchase 6.58% 1/29/23
    30 Year Conventional Refi 6.43% 1/29/23
    30 Year Cash-out Refi 6.69% 1/29/23
    30 Year FHA Purchase 7.57% 1/29/23
    30 Year FHA Refi 7.21% 1/29/23
    30 Year VA Purchase 6.28% 1/29/23
    30 Year VA Refi 6.00% 1/29/23
    30 Year USDA Purchase 6.81% 1/29/23
    30 Year USDA Refi 6.70% 1/29/23
    15 Year Conventional Purchase 5.97% 1/29/23
    15 Year Conventional Refi 5.92% 1/29/23
    15 Year Cash-out Refi 5.92% 1/29/23
    15 Year FHA Refi 7.10% 1/29/23
    15 Year VA Refi 5.74% 1/29/23
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.


    Originations

    6,407

    Origination Dollar Volume (All Markets)

    $1,379,445,000
    Show all (9) awards

    Relative Rate

    Delmar Financial Company's average 30 year fixed mortgage rate was 3.2%.

    The 2021 average 30 year fixed rate mortgage across all markets and lenders was 3.15%.

    This yields a difference of 0.05%.

    Relative Fees (Closing Costs)

    Delmar Financial Company's average total fees/closing costs for a 30 year fixed rate mortgage were $3,611.

    The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $4,750.

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    ST. LOUIS, MO-IL (FHA|USDA|VA) 2,799 $658,745,000 $235,350 $3,115 2.99%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 595 $143,915,000 $241,874 $1,359 3.16%
    WICHITA, KS (FHA|USDA|VA) 359 $64,265,000 $179,011 $4,510 3.25%
    OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 263 $56,915,000 $216,407 $3,297 2.94%
    GULFPORT-BILOXI, MS (FHA|USDA|VA) 303 $51,885,000 $171,238 $5,398 3.09%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) 367 $34,175,000 $93,120 $3,981 3.87%
    Outside of Metro Areas 147 $30,905,000 $210,238 $3,398 3.03%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 68 $18,730,000 $275,441 $4,599 2.81%
    TALLAHASSEE, FL (FHA|USDA|VA) 89 $18,385,000 $206,573 $6,857 3.17%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 62 $17,920,000 $289,032 $4,461 2.75%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 110 $17,370,000 $157,909 $4,700 3.24%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 63 $16,875,000 $267,857 $4,708 2.81%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 60 $16,810,000 $280,167 $4,141 2.87%
    LINCOLN, NE (FHA|USDA|VA) 66 $12,400,000 $187,879 $2,857 2.95%
    CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) 51 $8,185,000 $160,490 $2,932 3.07%
    HUNTSVILLE, AL (FHA|USDA|VA) 32 $8,000,000 $250,000 $4,106 2.96%
    NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 27 $7,765,000 $287,593 $3,936 2.71%
    BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 71 $7,705,000 $108,521 $3,575 3.75%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 23 $7,505,000 $326,304 $5,231 2.66%
    SPRINGFIELD, MO (FHA|USDA|VA) 39 $6,825,000 $175,000 $1,659 3.10%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 18 $6,110,000 $339,444 $4,305 2.99%
    LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 56 $5,560,000 $99,286 $3,718 3.77%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 17 $4,625,000 $272,059 $2,085 2.77%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 27 $4,405,000 $163,148 $2,799 3.59%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 15 $4,225,000 $281,667 $4,444 2.83%
    OKLAHOMA CITY, OK (FHA|USDA|VA) 19 $4,155,000 $218,684 $3,435 3.23%
    Picayune, MS (FHA|USDA|VA) 26 $4,150,000 $159,615 $5,303 2.90%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 11 $3,865,000 $351,364 $4,457 3.06%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 13 $3,545,000 $272,692 $3,957 3.10%
    JACKSONVILLE, FL (FHA|USDA|VA) 15 $3,485,000 $232,333 $4,010 3.07%
    COLUMBUS, OH (FHA|USDA|VA) 12 $3,470,000 $289,167 $3,461 2.84%
    TULSA, OK (FHA|USDA|VA) 18 $3,460,000 $192,222 $4,781 3.17%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 13 $3,415,000 $262,692 $4,462 2.59%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 16 $3,380,000 $211,250 $3,576 3.38%
    SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 13 $3,235,000 $248,846 $4,058 2.83%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 9 $3,195,000 $355,000 $4,476 2.72%
    Centralia, IL (FHA|USDA|VA) 21 $3,055,000 $145,476 $2,484 2.99%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 15 $2,955,000 $197,000 $4,579 3.05%
    NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 10 $2,950,000 $295,000 $4,405 2.75%
    COLUMBIA, MO (FHA|USDA|VA) 10 $2,640,000 $264,000 $1,847 2.75%
    LAWRENCE, KS (FHA|USDA|VA) 14 $2,640,000 $188,571 $1,116 3.25%
    Bozeman, MT (FHA|USDA|VA) 8 $2,620,000 $327,500 $4,374 2.73%
    CHATTANOOGA, TN-GA (FHA|USDA|VA) 8 $2,580,000 $322,500 $3,453 2.95%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 6 $2,580,000 $430,000 $3,160 2.52%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 13 $2,495,000 $191,923 $4,023 2.99%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 9 $2,355,000 $261,667 $4,289 2.85%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 9 $2,135,000 $237,222 $2,203 3.04%
    MOBILE, AL (FHA|USDA|VA) 7 $1,975,000 $282,143 $3,404 2.91%
    Quincy, IL-MO (FHA|USDA|VA) 13 $1,925,000 $148,077 $4,330 3.15%
    KNOXVILLE, TN (FHA|USDA|VA) 5 $1,805,000 $361,000 $3,136 2.70%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 6 $1,720,000 $286,667 $4,818 2.81%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 4 $1,580,000 $395,000 $4,067 2.91%
    MONTGOMERY, AL (FHA|USDA|VA) 15 $1,415,000 $94,333 $4,244 4.01%
    CLARKSVILLE, TN-KY (FHA|USDA|VA) 7 $1,415,000 $202,143 $6,209 3.34%
    PITTSBURGH, PA (FHA|USDA|VA) 6 $1,390,000 $231,667 $5,087 3.40%
    Durango, CO (FHA|USDA|VA) 3 $1,385,000 $461,667 $2,488 3.04%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 5 $1,315,000 $263,000 $5,311 3.13%
    PORT ST. LUCIE, FL (FHA|USDA|VA) 5 $1,315,000 $263,000 $2,921 3.05%
    DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 5 $1,255,000 $251,000 $4,630 2.70%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 5 $1,225,000 $245,000 $3,950 2.80%
    Winfield, KS (FHA|USDA|VA) 10 $1,120,000 $112,000 $3,198 3.06%
    Sikeston, MO (FHA|USDA|VA) 6 $1,020,000 $170,000 $3,076 3.29%
    BATON ROUGE, LA (FHA|USDA|VA) 4 $1,010,000 $252,500 $4,656 2.53%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 6 $1,010,000 $168,333 $2,754 3.13%
    TUSCALOOSA, AL (FHA|USDA|VA) 3 $955,000 $318,333 $7,373 3.21%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 2 $940,000 $470,000 $0 3.88%
    Farmington, MO (FHA|USDA|VA) 5 $935,000 $187,000 $4,707 3.53%
    TOPEKA, KS (FHA|USDA|VA) 6 $920,000 $153,333 $1,951 3.13%
    Sevierville, TN (FHA|USDA|VA) 4 $910,000 $227,500 $3,772 3.28%
    JACKSON, MS (FHA|USDA|VA) 5 $895,000 $179,000 $3,620 3.38%
    Breckenridge, CO (FHA|USDA|VA) 2 $880,000 $440,000 $1,429 2.94%
    AMARILLO, TX (FHA|USDA|VA) 2 $880,000 $440,000 $4,080 3.81%
    SAVANNAH, GA (FHA|USDA|VA) 3 $855,000 $285,000 $6,215 2.63%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 2 $840,000 $420,000 $7,286 2.69%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 3 $825,000 $275,000 $5,931 3.29%
    GREEN BAY, WI (FHA|USDA|VA) 4 $820,000 $205,000 $3,242 3.09%
    COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 4 $810,000 $202,500 $4,317 3.06%
    AKRON, OH (FHA|USDA|VA) 5 $795,000 $159,000 $3,891 3.40%
    GREELEY, CO (FHA|USDA|VA) 3 $785,000 $261,667 $2,908 2.75%
    PEORIA, IL (FHA|USDA|VA) 4 $770,000 $192,500 $2,551 3.00%
    FAYETTEVILLE, NC (FHA|USDA|VA) 5 $755,000 $151,000 $4,318 4.23%
    Branson, MO (FHA|USDA|VA) 2 $740,000 $370,000 $1,367 3.63%
    PANAMA CITY, FL (FHA|USDA|VA) 2 $730,000 $365,000 $4,798 3.00%
    Hannibal, MO (FHA|USDA|VA) 4 $700,000 $175,000 $3,921 3.47%
    Mount Vernon, IL (FHA|USDA|VA) 3 $695,000 $231,667 $3,876 2.88%
    TOLEDO, OH (FHA|USDA|VA) 3 $675,000 $225,000 $4,207 2.88%
    Hutchinson, KS (FHA|USDA|VA) 5 $645,000 $129,000 $2,700 3.03%
    DAYTON-KETTERING, OH (FHA|USDA|VA) 5 $635,000 $127,000 $3,557 3.93%
    OSHKOSH-NEENAH, WI (FHA|USDA|VA) 2 $590,000 $295,000 $3,439 2.75%
    Kalispell, MT (FHA|USDA|VA) 2 $590,000 $295,000 $4,156 2.88%
    LANCASTER, PA (FHA|USDA|VA) 2 $560,000 $280,000 $4,109 2.00%
    LAFAYETTE, LA (FHA|USDA|VA) 2 $550,000 $275,000 $3,793 2.63%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 1 $545,000 $545,000 $6,960 2.88%
    JOPLIN, MO (FHA|USDA|VA) 3 $545,000 $181,667 $2,513 3.13%
    LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 1 $545,000 $545,000 $3,402 2.13%
    Altus, OK (FHA|USDA|VA) 2 $540,000 $270,000 $5,172 2.88%
    GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 2 $530,000 $265,000 $3,342 2.88%
    Sebastian-Vero Beach, FL (FHA|USDA|VA) 2 $530,000 $265,000 $4,026 2.38%
    JACKSON, TN (FHA|USDA|VA) 3 $515,000 $171,667 $4,722 3.21%
    Salina, KS (FHA|USDA|VA) 1 $515,000 $515,000 $3,226 2.75%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 2 $490,000 $245,000 $2,145 3.13%
    MONROE, LA (FHA|USDA|VA) 1 $485,000 $485,000 $6,610 2.75%
    HATTIESBURG, MS (FHA|USDA|VA) 3 $485,000 $161,667 $5,447 3.08%
    GETTYSBURG, PA (FHA|USDA|VA) 2 $480,000 $240,000 $9,279 3.25%
    CARBONDALE-MARION, IL (FHA|USDA|VA) 3 $475,000 $158,333 $2,610 3.00%
    Beatrice, NE (FHA|USDA|VA) 4 $460,000 $115,000 $3,129 3.22%
    OWENSBORO, KY (FHA|USDA|VA) 1 $455,000 $455,000 $3,404 2.88%
    LONGVIEW, TX (FHA|USDA|VA) 2 $450,000 $225,000 $6,083 2.81%
    HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 3 $445,000 $148,333 $4,524 4.08%
    Emporia, KS (FHA|USDA|VA) 3 $445,000 $148,333 $2,429 3.21%
    Muscatine, IA (FHA|USDA|VA) 1 $435,000 $435,000 $2,461 2.75%
    Edwards, CO (FHA|USDA|VA) 1 $435,000 $435,000 $3,324 2.50%
    OCALA, FL (FHA|USDA|VA) 2 $430,000 $215,000 $6,156 2.75%
    DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 2 $420,000 $210,000 $3,495 2.31%
    Fort Leonard Wood, MO (FHA|USDA|VA) 3 $415,000 $138,333 $5,216 2.71%
    KANKAKEE, IL (FHA|USDA|VA) 2 $400,000 $200,000 $2,220 2.75%
    ST. JOSEPH, MO-KS (FHA|USDA|VA) 2 $400,000 $200,000 $3,249 2.50%
    LONGVIEW, WA (FHA|USDA|VA) 1 $395,000 $395,000 $5,404 2.75%
    MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 2 $390,000 $195,000 $5,072 3.50%
    GAINESVILLE, GA (FHA|USDA|VA) 1 $385,000 $385,000 $3,993 2.38%
    GAINESVILLE, FL (FHA|USDA|VA) 2 $380,000 $190,000 $6,133 2.50%
    CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 2 $380,000 $190,000 $2,436 2.75%
    Ashtabula, OH (FHA|USDA|VA) 1 $375,000 $375,000 $4,803 2.88%
    DULUTH, MN-WI (FHA|USDA|VA) 1 $375,000 $375,000 $5,267 3.38%
    Oxford, MS (FHA|USDA|VA) 4 $370,000 $92,500 $3,759 3.81%
    AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 4 $370,000 $92,500 $4,435 4.34%
    ALBUQUERQUE, NM (FHA|USDA|VA) 1 $365,000 $365,000 $4,269 3.38%
    Norfolk, NE (FHA|USDA|VA) 2 $360,000 $180,000 $1,993 2.75%
    PUNTA GORDA, FL (FHA|USDA|VA) 2 $360,000 $180,000 $4,230 3.06%
    LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) 2 $360,000 $180,000 $3,096 2.25%
    SIOUX CITY, IA-NE-SD (FHA|USDA|VA) 1 $355,000 $355,000 $2,526 2.88%
    TYLER, TX (FHA|USDA|VA) 1 $355,000 $355,000 $6,528 2.50%
    DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 5 $345,000 $69,000 $3,245 3.58%
    MADISON, WI (FHA|USDA|VA) 1 $345,000 $345,000 $3,190 2.25%
    DECATUR, IL (FHA|USDA|VA) 1 $345,000 $345,000 $3,276 3.00%
    SHEBOYGAN, WI (FHA|USDA|VA) 1 $345,000 $345,000 $3,992 2.50%
    KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 1 $335,000 $335,000 $6,232 3.13%
    SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 5 $325,000 $65,000 $3,687 4.25%
    ALEXANDRIA, LA (FHA|USDA|VA) 1 $325,000 $325,000 $4,665 2.75%
    BOULDER, CO (FHA|USDA|VA) 1 $315,000 $315,000 $3,006 2.25%
    DUBUQUE, IA (FHA|USDA|VA) 1 $315,000 $315,000 $5,949 2.38%
    LANSING-EAST LANSING, MI (FHA|USDA|VA) 2 $300,000 $150,000 $0 3.25%
    CORPUS CHRISTI, TX (FHA|USDA|VA) 1 $295,000 $295,000 $5,258 2.88%
    VICTORIA, TX (FHA|USDA|VA) 1 $295,000 $295,000 $4,916 2.88%
    FORT WAYNE, IN (FHA|USDA|VA) 2 $290,000 $145,000 $2,970 3.88%
    JOHNSON CITY, TN (FHA|USDA|VA) 1 $285,000 $285,000 $3,039 2.63%
    SANTA FE, NM (FHA|USDA|VA) 1 $285,000 $285,000 $8,465 3.13%
    Murray, KY (FHA|USDA|VA) 1 $285,000 $285,000 $4,324 3.25%
    ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 1 $285,000 $285,000 $4,160 2.63%
    Bainbridge, GA (FHA|USDA|VA) 1 $275,000 $275,000 $610 2.88%
    Dyersburg, TN (FHA|USDA|VA) 1 $275,000 $275,000 $2,270 3.13%
    FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) 1 $275,000 $275,000 $3,359 2.88%
    Cookeville, TN (FHA|USDA|VA) 1 $265,000 $265,000 $2,888 2.63%
    Woodward, OK (FHA|USDA|VA) 1 $265,000 $265,000 $2,416 2.50%
    Ada, OK (FHA|USDA|VA) 1 $265,000 $265,000 $3,858 2.63%
    Scottsbluff, NE (FHA|USDA|VA) 1 $265,000 $265,000 $4,053 2.75%
    HOT SPRINGS, AR (FHA|USDA|VA) 1 $265,000 $265,000 $3,140 2.38%
    BLOOMINGTON, IN (FHA|USDA|VA) 1 $255,000 $255,000 $2,661 3.50%
    MISSOULA, MT (FHA|USDA|VA) 1 $255,000 $255,000 $3,711 2.88%
    Huntingdon, PA (FHA|USDA|VA) 1 $255,000 $255,000 $4,098 2.75%
    SEBRING-AVON PARK, FL (FHA|USDA|VA) 1 $255,000 $255,000 $7,497 3.13%
    Jacksonville, TX (FHA|USDA|VA) 1 $255,000 $255,000 $4,110 3.13%
    Bedford, IN (FHA|USDA|VA) 1 $255,000 $255,000 $2,462 2.75%
    YORK-HANOVER, PA (FHA|USDA|VA) 2 $250,000 $125,000 $4,153 4.19%
    FORT COLLINS, CO (FHA|USDA|VA) 1 $245,000 $245,000 $3,008 2.75%
    Minden, LA (FHA|USDA|VA) 1 $245,000 $245,000 $3,362 3.25%
    Rolla, MO (FHA|USDA|VA) 2 $240,000 $120,000 $2,308 3.19%
    Bogalusa, LA (FHA|USDA|VA) 2 $240,000 $120,000 $4,246 3.25%
    ROCHESTER, MN (FHA|USDA|VA) 1 $235,000 $235,000 $2,622 3.99%
    Crossville, TN (FHA|USDA|VA) 1 $235,000 $235,000 $2,868 2.13%
    DECATUR, AL (FHA|USDA|VA) 1 $235,000 $235,000 $7,020 2.63%
    Scottsboro, AL (FHA|USDA|VA) 1 $225,000 $225,000 $2,544 3.63%
    Mayfield, KY (FHA|USDA|VA) 1 $225,000 $225,000 $2,591 2.25%
    MANHATTAN, KS (FHA|USDA|VA) 1 $215,000 $215,000 $3,139 2.00%
    Helena, MT (FHA|USDA|VA) 1 $215,000 $215,000 $4,199 2.00%
    Stevens Point, WI (FHA|USDA|VA) 1 $215,000 $215,000 $3,587 2.38%
    Ottawa, KS (FHA|USDA|VA) 1 $205,000 $205,000 $0 3.13%
    Camden, AR (FHA|USDA|VA) 1 $205,000 $205,000 $3,754 3.25%
    Warrensburg, MO (FHA|USDA|VA) 1 $205,000 $205,000 $0 3.00%
    Bemidji, MN (FHA|USDA|VA) 1 $195,000 $195,000 $3,757 1.88%
    Burlington, IA-IL (FHA|USDA|VA) 1 $195,000 $195,000 $1,799 2.88%
    COLUMBIA, SC (FHA|USDA|VA) 2 $190,000 $95,000 $4,483 4.13%
    Searcy, AR (FHA|USDA|VA) 1 $185,000 $185,000 $0 2.75%
    Vicksburg, MS (FHA|USDA|VA) 2 $180,000 $90,000 $2,123 3.00%
    Meridian, MS (FHA|USDA|VA) 3 $175,000 $58,333 $4,157 3.92%
    JEFFERSON CITY, MO (FHA|USDA|VA) 1 $175,000 $175,000 $0 2.63%
    Bartlesville, OK (FHA|USDA|VA) 1 $175,000 $175,000 $4,042 3.00%
    Montrose, CO (FHA|USDA|VA) 1 $165,000 $165,000 $0 3.63%
    TEXARKANA, TX-AR (FHA|USDA|VA) 1 $165,000 $165,000 $4,088 3.25%
    Crawfordsville, IN (FHA|USDA|VA) 1 $165,000 $165,000 $0 2.75%
    Mexico, MO (FHA|USDA|VA) 1 $165,000 $165,000 $2,211 2.63%
    Greenwood, MS (FHA|USDA|VA) 1 $155,000 $155,000 $3,935 3.50%
    BLOOMINGTON, IL (FHA|USDA|VA) 1 $155,000 $155,000 $1,771 3.00%
    Marion, IN (FHA|USDA|VA) 1 $155,000 $155,000 $2,740 2.75%
    Ashland, OH (FHA|USDA|VA) 1 $145,000 $145,000 $6,525 3.00%
    Lebanon, MO (FHA|USDA|VA) 1 $145,000 $145,000 $2,317 3.13%
    BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 1 $145,000 $145,000 $4,558 2.50%
    LAWTON, OK (FHA|USDA|VA) 2 $140,000 $70,000 $4,938 3.88%
    WICHITA FALLS, TX (FHA|USDA|VA) 1 $135,000 $135,000 $5,484 4.00%
    COLUMBUS, GA-AL (FHA|USDA|VA) 2 $130,000 $65,000 $3,489 4.31%
    ENID, OK (FHA|USDA|VA) 1 $125,000 $125,000 $3,135 2.75%
    Laurel, MS (FHA|USDA|VA) 1 $125,000 $125,000 $3,363 2.75%
    Charleston-Mattoon, IL (FHA|USDA|VA) 1 $125,000 $125,000 $2,292 2.75%
    CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 1 $125,000 $125,000 $4,731 4.38%
    LUBBOCK, TX (FHA|USDA|VA) 1 $125,000 $125,000 $154 3.63%
    Paragould, AR (FHA|USDA|VA) 1 $115,000 $115,000 $3,207 4.25%
    JONESBORO, AR (FHA|USDA|VA) 1 $115,000 $115,000 $2,913 3.63%
    GADSDEN, AL (FHA|USDA|VA) 1 $95,000 $95,000 $2,752 2.63%
    EVANSVILLE, IN-KY (FHA|USDA|VA) 1 $95,000 $95,000 $4,005 4.50%
    Great Bend, KS (FHA|USDA|VA) 1 $85,000 $85,000 $6,665 3.75%
    Moultrie, GA (FHA|USDA|VA) 1 $85,000 $85,000 $0 4.38%
    FLINT, MI (FHA|USDA|VA) 1 $75,000 $75,000 $2,359 3.50%
    Jasper, AL (FHA|USDA|VA) 1 $75,000 $75,000 $4,252 2.75%
    JANESVILLE-BELOIT, WI (FHA|USDA|VA) 1 $75,000 $75,000 $5,532 3.50%
    Sandusky, OH (FHA|USDA|VA) 1 $75,000 $75,000 $3,423 2.13%
    Pottsville, PA (FHA|USDA|VA) 1 $65,000 $65,000 $4,981 4.13%
    Lufkin, TX (FHA|USDA|VA) 1 $65,000 $65,000 $4,351 3.63%
    WINSTON-SALEM, NC (FHA|USDA|VA) 1 $65,000 $65,000 $4,289 4.50%
    ABILENE, TX (FHA|USDA|VA) 1 $55,000 $55,000 $2,879 2.88%
    Milledgeville, GA (FHA|USDA|VA) 1 $45,000 $45,000 $2,478 3.75%
    Delmar Financial Company's top markets include St. Louis, Kansas City, Wichita, Omaha, and Gulfport among others.

    Their top states include:
  • Missouri (FHA|USDA|VA)
  • Illinois (FHA|USDA|VA)
  • Kansas (FHA|USDA|VA)
  • Nebraska (FHA|USDA|VA)
  • Mississippi (FHA|USDA|VA)

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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 5,169 $1,130,075,000 $218,625 $2,852 3.13%
    FHA 722 $126,870,000 $175,720 $6,364 3.14%
    VA 400 $104,180,000 $260,450 $5,022 2.72%
    USDA 116 $18,320,000 $157,931 $5,125 2.94%

    For 2021, Delmar Financial Company's most frequently originated type of loan was Conventional, with 5,169 originations. Their 2nd most popular type was FHA, with 722 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 3,267 $678,655,000 $207,730 $4,341 3.24%
    Refi 2,145 $484,305,000 $225,783 $2,341 2.83%
    Cash Out Refi 995 $216,485,000 $217,573 $2,753 3.19%

    For 2021, Delmar Financial Company's most frequently cited loan purpose was Home Purchase, with 3,267 originations. The 2nd most popular reason was Refi, with 2,145 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 5,313 $1,140,175,000 $214,601 $3,611 3.20%
    15 Year 708 $154,300,000 $217,938 $2,629 2.51%
    20 Year 168 $39,230,000 $233,512 $2,832 2.78%
    Other 165 $34,995,000 $212,091 $1,825 2.95%
    10 Year 53 $10,745,000 $202,736 $2,204 2.41%

    For 2021, Delmar Financial Company's most frequently cited loan duration was 30 Year, with 5,313 originations. The 2nd most popular length was 15 Year, with 708 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 2,826 $580,770,000 $205,510
    $<1k 2,641 $626,345,000 $237,162
    $2k-3k 586 $94,430,000 $161,143
    $3k-4k 212 $42,080,000 $198,491
    $4k-5k 90 $21,190,000 $235,444
    $5k+ 50 $14,400,000 $288,000

    Delmar Financial Company's average total fees were $3,611, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 2,826 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 2,652 $496,640,000 $187,270
    2.5-3% 2,368 $576,700,000 $243,539
    <2.5% 974 $260,710,000 $267,669
    4-5% 407 $44,785,000 $110,037
    5-6% 6 $610,000 $101,667

    During 2021, Delmar Financial Company's average interest rate for loans was 3.20%, while their most frequently originated rate bucket for loans was 3-4%, with 2,652 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 2,543 $692,685,000 $272,389 $3,569 2.91%
    $100k-200k 2,358 $352,430,000 $149,461 $3,263 3.17%
    $100,000 or less 997 $74,445,000 $74,669 $3,315 3.58%
    $400k-600k 464 $222,750,000 $480,065 $3,523 2.79%
    $600k-1MM 38 $28,370,000 $746,579 $5,258 3.00%
    $1MM+ 7 $8,765,000 $1,252,143 $4,480 3.00%

    2021 saw Delmar Financial Company place emphasis on $200k-400k loans with 2,543 originations, totaling $692,685,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 1,529 $369,565,000 $241,704 $3,385 3.10%
    $50k-75k 1,392 $245,710,000 $176,516 $3,486 3.13%
    $75k-100k 1,105 $230,545,000 $208,638 $3,451 3.12%
    $50k or less 1,006 $135,020,000 $134,215 $3,604 3.12%
    $150k-250k 905 $251,795,000 $278,227 $3,310 3.08%
    $250k+ 332 $115,380,000 $347,530 $3,288 3.06%

    Delmar Financial Company lent most frequently to those with incomes in the $100k-150k range, with 1,529 originations. The second most popular income band? $50k-75k, with 1,392 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 1,496 $333,740,000 $223,088 $2,998 3.03%
    30-36% 1,143 $254,515,000 $222,673 $3,271 3.10%
    <20% 587 $137,975,000 $235,051 $2,591 2.91%
    41% 249 $50,695,000 $203,594 $3,771 3.25%
    50-60% 235 $49,025,000 $208,617 $6,090 3.07%
    44% 233 $49,005,000 $210,322 $3,841 3.19%
    42% 229 $48,005,000 $209,629 $3,467 3.18%
    36% 221 $43,325,000 $196,041 $3,464 3.22%
    37% 219 $43,775,000 $199,886 $3,443 3.13%
    43% 214 $49,250,000 $230,140 $4,012 3.14%
    38% 212 $43,150,000 $203,538 $3,392 3.21%
    39% 210 $44,430,000 $211,571 $3,370 3.23%
    45% 203 $39,835,000 $196,232 $3,783 3.18%
    40% 191 $38,605,000 $202,120 $3,775 3.25%
    49% 177 $34,415,000 $194,435 $4,100 3.23%
    48% 157 $30,895,000 $196,783 $3,762 3.17%
    47% 150 $29,290,000 $195,267 $3,872 3.31%
    46% 137 $26,055,000 $190,182 $3,736 3.21%
    >60% 6 $2,030,000 $338,333 $7,769 3.04%

    Delmar Financial Company lent most frequently to those with DTI ratios of 20-30%, with 1,496 originations. The next most common DTI ratio? 30-36%, with 1,143 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 4,918 $1,072,950,000 $218,168 $3,277 3.09%
    Not provided 573 $118,095,000 $206,099 $3,790 3.19%
    Asian 512 $114,440,000 $223,516 $3,402 3.03%
    Black 367 $66,755,000 $181,894 $4,861 3.20%
    American Indian 32 $6,090,000 $190,313 $3,414 3.27%
    Native Hawaiian or Islander 5 $1,115,000 $223,000 $3,363 3.18%

    Approval Rates

    Total approvals of all applications
    97.78%

    Delmar Financial Company has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    69.14%

    Delmar Financial Company has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 6,407 $1,379,445,000 $215,303

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    6,407 $1,379,445,000 $215,303

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 174 $30,010,000 $172,471 $2,333 2.76%
    40-60% 730 $155,540,000 $213,068 $2,350 2.78%
    60-80% 2,720 $586,320,000 $215,559 $2,880 3.19%
    80-100% 2,697 $584,055,000 $216,557 $4,156 3.13%
    Over 100% 76 $22,060,000 $290,263 $9,852 2.79%
    Under 20% 10 $1,460,000 $146,000 $2,912 2.63%

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    DELMAR FINANCIAL COMPANY Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 1 50.0%
    DELMAR FINANCIAL COMPANY Conventional home mortgage Closing on a mortgage 1 50.0%