Delmar Financial Company Mortgage Rates, Fees & Info
St. Louis, MOLEI: 5493004T9SQFCNRQ2L76
Tax ID: 43-0889809
2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
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 include St. Louis, Kansas City, Wichita, Omaha, and Gulfport among others. Delmar Financial Company has an above average approval rate for mortages when compared nationally. They have a below average pick rate when compared to the same sample of other lendors. Delmar Financial Company is typically an average fee lendor.Originations
6,407Origination Dollar Volume (All Markets)
$1,379,445,000Awards
DELMAR FINANCIAL COMPANY - 2021
DELMAR FINANCIAL COMPANY is a 2021 , due to their low .
For 2021, less than of lenders were eligible for this award.
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Relative Rate
Delmar Financial Company's average 30 year fixed rate mortgage of loans were
3.2%.
The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.
This yields a difference of 0.05%.
Relative Fees
Delmar Financial Company's average total fees for a 30 year fixed rate
mortgage are $3,611.
The average total origination fees for 30 year fixed rate mortgages (for all loan values, including
both points & up-front fees in addition to origination fees) are $4,750.
Top Markets
| 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.
Product Mix
| Loan Type | Originations | Total Value | Average Loan | Average Fees | Average 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 the 2021 period, Delmar Financial Company's most frequently originated loan type of loans were Conventional, with 5,169 originations. Their 2nd most popular type is FHA, with 722 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Average Loan | Average Fees | Average 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 the 2021, Delmar Financial Company's most frequently cited loan purpose of loans were Home Purchase, with 3,267 originations. The 2nd most popular reason of loans were 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 the 2021, Delmar Financial Company's most frequently cited loan length of loans were 30 Year, with 5,313 originations. The 2nd most popular length of loans were 15 Year, with 708 originations.
Origination Fees
| Origination Fee | 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 | 302 | $63,270,000 | $209,503 |
| $5k+ | 50 | $14,400,000 | $288,000 |
$3,611 of loans were Delmar Financial Company's average total fees, while their most frequently occuring range of origination fees 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 of loans were 3.20%, while their most frequently originated rate bucket of loans were 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 | 5 | $1,115,000 | $223,000 | $3,363 | 3.18% |
Approval Rates
Total approvals of all applications97.68%
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 origination70.12%
Delmar Financial Company has a below average pick rate.
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% |
