Delmar Financial Company Mortgage Rates, Fees & Info

St. Louis, MO

LEI: 5493004T9SQFCNRQ2L76

Tax ID: 43-0889809

5 stars - Updated: 9/18/23 - out of 5 stars, based on 54 reviews

Latest/2022 | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

Review & Overview

Delmar Financial Company is a smaller mortgage company specializing in Home Purchase 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, Wichita, Kansas City, Omaha, and Gulfport among others. We have data for 192 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 6.80% 9/18/23
30 Year Conventional Refi 6.61% 9/18/23
30 Year Cash-out Refi 6.81% 9/18/23
30 Year FHA Purchase 7.52% 9/18/23
30 Year FHA Refi 7.23% 9/18/23
30 Year VA Purchase 6.41% 9/18/23
30 Year VA Refi 6.26% 9/18/23
30 Year USDA Purchase 6.92% 9/18/23
15 Year Conventional Purchase 6.35% 9/18/23
15 Year Conventional Refi 6.09% 9/18/23
15 Year Cash-out Refi 6.09% 9/18/23
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.

Delmar Financial Company Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Delmar Financial Company. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

2,900

Origination Dollar Volume (All Markets)

$689,660,000
Show all (9) awards

Relative Rate

Delmar Financial Company's average 30 year fixed mortgage rate was 5.1%.

The 2022 average 30 year fixed rate mortgage across all markets and lenders was 4.76%.

This yields a difference of 0.34%.

Relative Fees (Closing Costs)

Delmar Financial Company's average total fees/closing costs for a 30 year fixed rate mortgage were $5,343.

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) 1,208 $308,850,000 $255,671 $4,895 5.09%
WICHITA, KS (FHA|USDA|VA) 235 $45,505,000 $193,638 $5,820 4.99%
KANSAS CITY, MO-KS (FHA|USDA|VA) 151 $43,885,000 $290,629 $2,866 5.09%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 109 $26,935,000 $247,110 $4,398 4.87%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 117 $22,765,000 $194,573 $6,919 5.00%
TALLAHASSEE, FL (FHA|USDA|VA) 80 $20,060,000 $250,750 $9,301 4.98%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 142 $14,520,000 $102,254 $6,059 5.54%
Outside of Metro Areas 72 $14,270,000 $198,194 $5,242 5.07%
LINCOLN, NE (FHA|USDA|VA) 45 $10,455,000 $232,333 $3,745 4.99%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 58 $10,350,000 $178,448 $6,803 4.91%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 24 $8,940,000 $372,500 $6,227 4.58%
SANTA FE, NM (FHA|USDA|VA) 20 $7,520,000 $376,000 $5,940 4.34%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 26 $7,310,000 $281,154 $6,859 4.54%
CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) 41 $7,285,000 $177,683 $4,087 5.03%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 22 $7,050,000 $320,455 $6,126 4.71%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 11 $4,795,000 $435,909 $7,572 4.92%
COLORADO SPRINGS, CO (FHA|USDA|VA) 8 $4,690,000 $586,250 $2,182 5.00%
PORT ST. LUCIE, FL (FHA|USDA|VA) 9 $4,635,000 $515,000 $2,747 4.87%
SPRINGFIELD, MO (FHA|USDA|VA) 24 $4,620,000 $192,500 $2,831 4.71%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 14 $4,370,000 $312,143 $5,870 5.15%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 11 $4,055,000 $368,636 $6,363 4.63%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 8 $3,060,000 $382,500 $8,676 4.53%
MOBILE, AL (FHA|USDA|VA) 7 $2,855,000 $407,857 $4,673 4.41%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 14 $2,850,000 $203,571 $5,222 4.86%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 7 $2,675,000 $382,143 $3,332 4.68%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 9 $2,655,000 $295,000 $9,110 5.63%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 7 $2,635,000 $376,429 $6,344 4.52%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 26 $2,590,000 $99,615 $5,318 5.41%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 10 $2,470,000 $247,000 $4,906 4.70%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 25 $2,375,000 $95,000 $5,613 5.31%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 9 $2,225,000 $247,222 $4,914 4.51%
OKLAHOMA CITY, OK (FHA|USDA|VA) 7 $2,125,000 $303,571 $4,836 4.82%
Picayune, MS (FHA|USDA|VA) 13 $2,125,000 $163,462 $5,320 4.38%
AKRON, OH (FHA|USDA|VA) 10 $1,990,000 $199,000 $6,796 4.99%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 5 $1,865,000 $373,000 $6,593 3.70%
Branson, MO (FHA|USDA|VA) 6 $1,860,000 $310,000 $3,246 6.02%
Centralia, IL (FHA|USDA|VA) 15 $1,835,000 $122,333 $4,005 5.17%
JACKSONVILLE, FL (FHA|USDA|VA) 5 $1,825,000 $365,000 $12,044 5.18%
Winfield, KS (FHA|USDA|VA) 10 $1,740,000 $174,000 $5,781 5.49%
TULSA, OK (FHA|USDA|VA) 9 $1,655,000 $183,889 $5,131 4.46%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 5 $1,635,000 $327,000 $5,526 3.93%
HUNTSVILLE, AL (FHA|USDA|VA) 6 $1,630,000 $271,667 $5,298 5.06%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 3 $1,605,000 $535,000 $5,477 3.88%
ALBUQUERQUE, NM (FHA|USDA|VA) 5 $1,605,000 $321,000 $4,168 4.93%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 4 $1,530,000 $382,500 $3,953 5.56%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 1 $1,425,000 $1,425,000 $5,103 2.88%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 4 $1,290,000 $322,500 $10,447 4.41%
Quincy, IL-MO (FHA|USDA|VA) 8 $1,240,000 $155,000 $6,201 5.42%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 4 $1,180,000 $295,000 $8,127 4.13%
COLUMBIA, MO (FHA|USDA|VA) 4 $1,130,000 $282,500 $3,847 4.22%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 2 $1,110,000 $555,000 $8,461 5.31%
Mount Vernon, IL (FHA|USDA|VA) 5 $1,085,000 $217,000 $4,632 5.83%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 1 $1,085,000 $1,085,000 $8,772 5.00%
PITTSBURGH, PA (FHA|USDA|VA) 7 $1,005,000 $143,571 $6,714 5.34%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 4 $940,000 $235,000 $5,236 4.63%
JACKSON, MS (FHA|USDA|VA) 8 $920,000 $115,000 $6,107 5.02%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 2 $900,000 $450,000 $6,251 5.63%
MONTGOMERY, AL (FHA|USDA|VA) 7 $875,000 $125,000 $5,176 5.73%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 2 $870,000 $435,000 $5,391 3.44%
KNOXVILLE, TN (FHA|USDA|VA) 3 $865,000 $288,333 $6,661 4.75%
ASHEVILLE, NC (FHA|USDA|VA) 2 $860,000 $430,000 $6,790 4.94%
Oxford, MS (FHA|USDA|VA) 2 $800,000 $400,000 $4,538 5.13%
Durango, CO (FHA|USDA|VA) 1 $775,000 $775,000 $3,843 4.13%
Hutchinson, KS (FHA|USDA|VA) 4 $770,000 $192,500 $5,114 4.56%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 4 $740,000 $185,000 $4,970 4.81%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 2 $690,000 $345,000 $3,164 3.75%
Tullahoma-Manchester, TN (FHA|USDA|VA) 2 $660,000 $330,000 $4,717 5.69%
WILMINGTON, NC (FHA|USDA|VA) 1 $625,000 $625,000 $8,365 5.50%
JEFFERSON CITY, MO (FHA|USDA|VA) 1 $625,000 $625,000 $3,272 4.00%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 2 $620,000 $310,000 $7,343 3.75%
COLUMBUS, OH (FHA|USDA|VA) 2 $600,000 $300,000 $7,908 6.06%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 1 $585,000 $585,000 $7,853 5.13%
SAVANNAH, GA (FHA|USDA|VA) 3 $585,000 $195,000 $4,571 5.25%
Las Vegas, NM (FHA|USDA|VA) 2 $550,000 $275,000 $6,418 7.50%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 3 $545,000 $181,667 $6,394 4.46%
STAUNTON, VA (FHA|USDA|VA) 2 $510,000 $255,000 $5,545 4.81%
Ashtabula, OH (FHA|USDA|VA) 3 $495,000 $165,000 $6,855 3.42%
DAYTON-KETTERING, OH (FHA|USDA|VA) 5 $495,000 $99,000 $5,750 4.68%
Ottawa, KS (FHA|USDA|VA) 3 $485,000 $161,667 $3,118 4.96%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 2 $480,000 $240,000 $11,467 4.44%
Sikeston, MO (FHA|USDA|VA) 4 $480,000 $120,000 $4,178 5.56%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 2 $480,000 $240,000 $4,762 4.81%
FORT SMITH, AR-OK (FHA|USDA|VA) 2 $460,000 $230,000 $4,502 5.25%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 1 $455,000 $455,000 $8,889 3.75%
Holland, MI (FHA|USDA|VA) 1 $445,000 $445,000 $17,135 7.38%
SPRINGFIELD, MA (FHA|USDA|VA) 1 $445,000 $445,000 $4,353 6.38%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 3 $435,000 $145,000 $3,824 5.67%
YORK-HANOVER, PA (FHA|USDA|VA) 4 $430,000 $107,500 $6,450 5.56%
THE VILLAGES, FL (FHA|USDA|VA) 2 $430,000 $215,000 $8,682 4.50%
HOUMA-THIBODAUX, LA (FHA|USDA|VA) 1 $425,000 $425,000 $7,141 5.13%
Harrison, AR (FHA|USDA|VA) 1 $415,000 $415,000 $2,884 5.75%
HATTIESBURG, MS (FHA|USDA|VA) 2 $410,000 $205,000 $5,797 4.06%
LOUISVILLE, KY (FHA|USDA|VA) 2 $410,000 $205,000 $5,400 4.38%
MADISON, WI (FHA|USDA|VA) 1 $385,000 $385,000 $2,791 6.00%
McAlester, OK (FHA|USDA|VA) 1 $385,000 $385,000 $4,688 5.25%
Mountain Home, AR (FHA|USDA|VA) 1 $375,000 $375,000 $2,205 5.13%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 1 $375,000 $375,000 $3,527 2.25%
Española, NM (FHA|USDA|VA) 1 $365,000 $365,000 $4,630 5.88%
CANTON-MASSILLON, OH (FHA|USDA|VA) 3 $355,000 $118,333 $6,274 5.83%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 1 $355,000 $355,000 $4,311 2.75%
Okeechobee, FL (FHA|USDA|VA) 1 $355,000 $355,000 $11,174 6.50%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 1 $355,000 $355,000 $4,406 6.38%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 1 $355,000 $355,000 $5,605 4.38%
PEORIA, IL (FHA|USDA|VA) 3 $355,000 $118,333 $5,353 5.88%
Hannibal, MO (FHA|USDA|VA) 2 $350,000 $175,000 $5,928 5.50%
Stillwater, OK (FHA|USDA|VA) 1 $345,000 $345,000 $3,478 3.25%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 1 $345,000 $345,000 $8,492 4.75%
Helena, MT (FHA|USDA|VA) 1 $335,000 $335,000 $3,846 3.50%
Sevierville, TN (FHA|USDA|VA) 1 $335,000 $335,000 $7,821 4.25%
Farmington, MO (FHA|USDA|VA) 1 $335,000 $335,000 $3,849 4.50%
Fredericksburg, TX (FHA|USDA|VA) 1 $325,000 $325,000 $6,370 3.13%
LAWRENCE, KS (FHA|USDA|VA) 1 $315,000 $315,000 $3,333 3.25%
Bainbridge, GA (FHA|USDA|VA) 1 $295,000 $295,000 $11,853 5.63%
Lake City, FL (FHA|USDA|VA) 1 $295,000 $295,000 $6,024 2.99%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 1 $285,000 $285,000 $3,667 5.13%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $285,000 $285,000 $4,132 3.75%
ANN ARBOR, MI (FHA|USDA|VA) 1 $285,000 $285,000 $5,829 5.00%
WINSTON-SALEM, NC (FHA|USDA|VA) 1 $285,000 $285,000 $3,255 3.38%
DECATUR, IL (FHA|USDA|VA) 2 $280,000 $140,000 $2,752 5.69%
BILLINGS, MT (FHA|USDA|VA) 1 $275,000 $275,000 $4,638 5.13%
ROME, GA (FHA|USDA|VA) 1 $275,000 $275,000 $7,606 6.00%
Fort Leonard Wood, MO (FHA|USDA|VA) 1 $265,000 $265,000 $6,198 6.13%
Eagle Pass, TX (FHA|USDA|VA) 1 $265,000 $265,000 $6,938 3.38%
CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 2 $260,000 $130,000 $5,417 5.31%
Brainerd, MN (FHA|USDA|VA) 1 $255,000 $255,000 $4,437 3.50%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 1 $255,000 $255,000 $5,172 3.75%
Ashland, OH (FHA|USDA|VA) 1 $245,000 $245,000 $10,596 5.63%
Cañon City, CO (FHA|USDA|VA) 1 $245,000 $245,000 $3,346 5.75%
Fort Polk South, LA (FHA|USDA|VA) 1 $245,000 $245,000 $14,343 5.25%
STATE COLLEGE, PA (FHA|USDA|VA) 1 $235,000 $235,000 $5,858 5.38%
MONROE, LA (FHA|USDA|VA) 1 $235,000 $235,000 $3,593 4.75%
Fremont, NE (FHA|USDA|VA) 1 $235,000 $235,000 $9,493 5.13%
BATON ROUGE, LA (FHA|USDA|VA) 1 $225,000 $225,000 $4,428 3.88%
Beatrice, NE (FHA|USDA|VA) 1 $225,000 $225,000 $2,697 4.50%
DOTHAN, AL (FHA|USDA|VA) 2 $220,000 $110,000 $3,977 5.25%
Salem, OH (FHA|USDA|VA) 1 $215,000 $215,000 $3,329 4.63%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 1 $215,000 $215,000 $4,240 4.50%
FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) 1 $215,000 $215,000 $11,389 7.13%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 1 $215,000 $215,000 $12,506 5.50%
Albertville, AL (FHA|USDA|VA) 1 $215,000 $215,000 $5,325 2.88%
ALEXANDRIA, LA (FHA|USDA|VA) 1 $215,000 $215,000 $5,130 5.50%
VALDOSTA, GA (FHA|USDA|VA) 2 $210,000 $105,000 $5,709 5.31%
Kerrville, TX (FHA|USDA|VA) 1 $205,000 $205,000 $4,073 5.50%
Emporia, KS (FHA|USDA|VA) 1 $205,000 $205,000 $4,911 5.88%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 1 $205,000 $205,000 $9,055 6.13%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 1 $205,000 $205,000 $7,061 4.99%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 1 $205,000 $205,000 $7,502 5.00%
RICHMOND, VA (FHA|USDA|VA) 1 $205,000 $205,000 $3,779 5.38%
BATTLE CREEK, MI (FHA|USDA|VA) 1 $195,000 $195,000 $4,517 5.25%
Cleveland, MS (FHA|USDA|VA) 1 $195,000 $195,000 $3,617 3.63%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 1 $185,000 $185,000 $7,094 4.88%
St. Marys, GA (FHA|USDA|VA) 1 $185,000 $185,000 $3,209 3.63%
ST. JOSEPH, MO-KS (FHA|USDA|VA) 2 $180,000 $90,000 $5,268 6.75%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 1 $175,000 $175,000 $8,981 6.50%
McPherson, KS (FHA|USDA|VA) 1 $175,000 $175,000 $8,956 5.63%
Mexico, MO (FHA|USDA|VA) 1 $175,000 $175,000 $8,955 4.25%
Ponca City, OK (FHA|USDA|VA) 1 $175,000 $175,000 $5,119 5.99%
OCALA, FL (FHA|USDA|VA) 1 $165,000 $165,000 $4,659 5.50%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 1 $155,000 $155,000 $4,136 6.50%
GAINESVILLE, FL (FHA|USDA|VA) 1 $155,000 $155,000 $4,502 4.63%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 1 $155,000 $155,000 $8,217 5.50%
Orangeburg, SC (FHA|USDA|VA) 1 $155,000 $155,000 $3,537 4.99%
Meridian, MS (FHA|USDA|VA) 2 $150,000 $75,000 $5,783 4.56%
SPRINGFIELD, IL (FHA|USDA|VA) 2 $150,000 $75,000 $6,217 4.88%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 1 $145,000 $145,000 $3,966 2.75%
Meadville, PA (FHA|USDA|VA) 1 $145,000 $145,000 $7,621 2.88%
MANHATTAN, KS (FHA|USDA|VA) 1 $145,000 $145,000 $2,588 4.75%
TOPEKA, KS (FHA|USDA|VA) 1 $145,000 $145,000 $5,521 6.13%
CARBONDALE-MARION, IL (FHA|USDA|VA) 1 $145,000 $145,000 $2,329 3.50%
AMARILLO, TX (FHA|USDA|VA) 1 $135,000 $135,000 $4,816 5.00%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 1 $135,000 $135,000 $4,018 3.99%
Great Bend, KS (FHA|USDA|VA) 2 $130,000 $65,000 $3,574 3.94%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 1 $125,000 $125,000 $3,441 4.88%
HOT SPRINGS, AR (FHA|USDA|VA) 1 $125,000 $125,000 $3,229 4.38%
Liberal, KS (FHA|USDA|VA) 1 $125,000 $125,000 $5,736 5.25%
TOLEDO, OH (FHA|USDA|VA) 1 $125,000 $125,000 $7,806 5.50%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 2 $120,000 $60,000 $4,550 4.44%
Maryville, MO (FHA|USDA|VA) 1 $115,000 $115,000 $5,935 6.88%
MUNCIE, IN (FHA|USDA|VA) 1 $115,000 $115,000 $7,350 6.13%
Ottawa, IL (FHA|USDA|VA) 1 $115,000 $115,000 $7,533 5.88%
SHERMAN-DENISON, TX (FHA|USDA|VA) 1 $115,000 $115,000 $5,864 6.38%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 1 $115,000 $115,000 $4,702 7.13%
Taylorville, IL (FHA|USDA|VA) 1 $105,000 $105,000 $3,063 5.00%
WHEELING, WV-OH (FHA|USDA|VA) 1 $105,000 $105,000 $4,692 3.38%
ROCKFORD, IL (FHA|USDA|VA) 1 $95,000 $95,000 $5,330 5.88%
Talladega-Sylacauga, AL (FHA|USDA|VA) 1 $85,000 $85,000 $7,093 5.25%
FLORENCE, SC (FHA|USDA|VA) 1 $85,000 $85,000 $5,467 4.63%
Alamogordo, NM (FHA|USDA|VA) 1 $85,000 $85,000 $2,707 5.63%
LUBBOCK, TX (FHA|USDA|VA) 1 $75,000 $75,000 $5,635 5.00%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 1 $65,000 $65,000 $4,675 6.00%
Los Alamos, NM (FHA|USDA|VA) 1 $65,000 $65,000 $3,803 5.88%
Rolla, MO (FHA|USDA|VA) 1 $35,000 $35,000 $3,323 6.00%
Delmar Financial Company's top markets include St. Louis, Wichita, Kansas City, Omaha, and Gulfport among others.

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

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 2,119 $519,545,000 $245,184 $4,433 5.07%
    FHA 521 $100,635,000 $193,157 $7,889 5.04%
    VA 189 $56,855,000 $300,820 $7,475 4.78%
    USDA 71 $12,625,000 $177,817 $5,816 4.86%

    For 2022, Delmar Financial Company's most frequently originated type of loan was Conventional, with 2,119 originations. Their 2nd most popular type was FHA, with 521 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 2,479 $590,885,000 $238,356 $5,468 5.15%
    Cash Out Refi 295 $66,565,000 $225,644 $4,562 4.55%
    Refi 126 $32,210,000 $255,635 $3,422 3.94%

    For 2022, Delmar Financial Company's most frequently cited loan purpose was Home Purchase, with 2,479 originations. The 2nd most popular reason was Cash Out Refi, with 295 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 2,737 $654,275,000 $239,048 $5,343 5.10%
    15 Year 110 $25,290,000 $229,909 $4,308 3.85%
    20 Year 26 $5,670,000 $218,077 $3,920 4.09%
    Other 21 $3,595,000 $171,190 $5,660 4.67%
    10 Year 6 $830,000 $138,333 $2,385 3.42%

    For 2022, Delmar Financial Company's most frequently cited loan duration was 30 Year, with 2,737 originations. The 2nd most popular length was 15 Year, with 110 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 1,183 $302,565,000 $255,761
    $2k-3k 476 $90,480,000 $190,084
    $<1k 411 $119,905,000 $291,740
    $3k-4k 394 $70,400,000 $178,680
    $4k-5k 235 $48,795,000 $207,638
    $5k+ 199 $57,295,000 $287,915

    Delmar Financial Company's average total fees were $5,343, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 1,183 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    5-6% 1,029 $241,985,000 $235,165
    4-5% 663 $154,595,000 $233,175
    3-4% 568 $145,180,000 $255,599
    6-7% 455 $97,435,000 $214,143
    2.5-3% 86 $26,370,000 $306,628
    7-8% 78 $18,250,000 $233,974
    <2.5% 20 $5,780,000 $289,000
    Over 8% 1 $65,000 $65,000

    During 2022, Delmar Financial Company's average interest rate for loans was 5.10%, while their most frequently originated rate bucket for loans was 5-6%, with 1,029 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 1,152 $318,230,000 $276,241 $5,666 5.00%
    $100k-200k 1,006 $150,620,000 $149,722 $4,945 5.12%
    $100,000 or less 389 $30,285,000 $77,853 $4,700 5.16%
    $400k-600k 274 $132,010,000 $481,788 $5,891 4.81%
    $600k-1MM 72 $49,070,000 $681,528 $4,678 4.72%
    $1MM+ 7 $9,445,000 $1,349,286 $7,073 4.43%

    2022 saw Delmar Financial Company place emphasis on $200k-400k loans with 1,152 originations, totaling $318,230,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 711 $134,115,000 $188,629 $5,215 4.99%
    $100k-150k 638 $168,370,000 $263,903 $5,401 5.10%
    $75k-100k 500 $115,410,000 $230,820 $5,494 5.15%
    $150k-250k 460 $149,820,000 $325,696 $5,276 5.04%
    $50k or less 425 $56,965,000 $134,035 $4,775 4.92%
    $250k+ 164 $64,750,000 $394,817 $5,914 5.01%

    Delmar Financial Company lent most frequently to those with incomes in the $50k-75k range, with 711 originations. The second most popular income band? $100k-150k, with 638 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 562 $133,450,000 $237,456 $4,952 5.02%
    20-30% 468 $115,280,000 $246,325 $4,820 4.90%
    <20% 164 $38,820,000 $236,707 $4,872 4.76%
    50-60% 163 $38,995,000 $239,233 $7,768 5.07%
    44% 151 $36,235,000 $239,967 $5,926 5.00%
    39% 135 $30,285,000 $224,333 $5,376 5.08%
    43% 130 $32,260,000 $248,154 $5,135 5.14%
    37% 128 $27,930,000 $218,203 $4,892 5.10%
    40% 115 $27,585,000 $239,870 $4,966 5.03%
    41% 115 $27,835,000 $242,043 $5,081 5.34%
    42% 106 $27,070,000 $255,377 $5,385 5.17%
    45% 103 $22,705,000 $220,437 $4,806 5.19%
    49% 99 $24,275,000 $245,202 $5,803 5.14%
    38% 94 $23,060,000 $245,319 $5,454 5.08%
    36% 94 $21,810,000 $232,021 $5,092 5.06%
    48% 90 $21,390,000 $237,667 $5,490 4.92%
    47% 88 $17,280,000 $196,364 $5,580 5.19%
    46% 87 $20,495,000 $235,575 $5,596 5.26%
    >60% 5 $2,395,000 $479,000 $7,107 4.30%

    Delmar Financial Company lent most frequently to those with DTI ratios of 30-36%, with 562 originations. The next most common DTI ratio? 20-30%, with 468 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 2,180 $523,690,000 $240,225 $5,111 5.04%
    Not provided 301 $73,125,000 $242,940 $5,717 5.09%
    Asian 187 $44,205,000 $236,390 $5,383 4.91%
    Black 200 $41,480,000 $207,400 $6,516 5.05%
    American Indian 22 $4,300,000 $195,455 $5,137 4.69%
    Native Hawaiian or Islander 10 $2,860,000 $286,000 $4,628 5.70%

    Approval Rates

    Total approvals of all applications
    97.50%

    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
    58.48%

    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 2,900 $689,660,000 $237,814

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    2,900 $689,660,000 $237,814

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 47 $9,005,000 $191,596 $3,941 4.62%
    40-60% 161 $36,485,000 $226,615 $3,891 4.51%
    60-80% 919 $210,325,000 $228,863 $4,897 5.00%
    80-100% 1,726 $419,570,000 $243,088 $5,488 5.13%
    Over 100% 42 $13,670,000 $325,476 $12,678 4.72%
    Under 20% 5 $605,000 $121,000 $2,760 5.85%