Delmar Financial Company Mortgage Rates, Fees & Info

St. Louis, MO

LEI: 5493004T9SQFCNRQ2L76

Tax ID: 43-0889809

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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    • Review & Overview

    Delmar Financial Company is a small mortgage company specializing in Refi and 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, Kansas City, Omaha, Gulfport, and Wichita among others. We have data for 168 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 a low 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% 11/21/24
    30 Year Conventional Refi 6.61% 11/21/24
    30 Year Cash-out Refi 6.81% 11/21/24
    30 Year FHA Purchase 7.52% 11/21/24
    30 Year FHA Refi 7.23% 11/21/24
    30 Year VA Purchase 6.41% 11/21/24
    30 Year VA Refi 6.26% 11/21/24
    30 Year USDA Purchase 6.92% 11/21/24
    15 Year Conventional Purchase 6.35% 11/21/24
    15 Year Conventional Refi 6.09% 11/21/24
    15 Year Cash-out Refi 6.09% 11/21/24
    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

    6,639

    Origination Dollar Volume (All Markets)

    $1,580,165,000
    Show all (18) awards

    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) 2,969 $772,515,000 $260,194 $2,766 3.02%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 1,004 $249,240,000 $248,247 $2,400 3.13%
    OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 349 $71,545,000 $205,000 $3,104 3.02%
    GULFPORT-BILOXI, MS (FHA|USDA|VA) 281 $44,845,000 $159,591 $4,879 3.13%
    WICHITA, KS (FHA|USDA|VA) 194 $34,480,000 $177,732 $4,230 3.25%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 89 $29,255,000 $328,708 $2,985 2.92%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 96 $28,260,000 $294,375 $4,396 2.92%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 85 $24,605,000 $289,471 $4,128 2.89%
    Outside of Metro Areas 115 $23,265,000 $202,304 $3,364 3.21%
    HUNTSVILLE, AL (FHA|USDA|VA) 96 $21,460,000 $223,542 $4,289 3.14%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 60 $18,440,000 $307,333 $4,526 3.05%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) 212 $17,490,000 $82,500 $3,174 3.97%
    LINCOLN, NE (FHA|USDA|VA) 79 $16,335,000 $206,772 $2,586 3.15%
    TALLAHASSEE, FL (FHA|USDA|VA) 83 $15,395,000 $185,482 $6,497 3.29%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 39 $13,265,000 $340,128 $3,795 2.82%
    NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 41 $12,835,000 $313,049 $3,726 3.16%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 37 $11,355,000 $306,892 $4,350 2.97%
    CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) 63 $10,905,000 $173,095 $2,762 3.15%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 25 $7,675,000 $307,000 $4,428 3.17%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 43 $7,615,000 $177,093 $4,746 3.40%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 24 $7,040,000 $293,333 $3,875 2.94%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 22 $6,570,000 $298,636 $2,487 2.93%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 19 $5,295,000 $278,684 $3,984 2.97%
    COLUMBUS, OH (FHA|USDA|VA) 16 $4,920,000 $307,500 $3,829 2.94%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 22 $4,920,000 $223,636 $2,286 3.26%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 17 $4,555,000 $267,941 $4,494 3.27%
    BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 36 $4,440,000 $123,333 $3,025 3.52%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 18 $4,270,000 $237,222 $3,566 2.90%
    LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 35 $4,125,000 $117,857 $3,113 3.60%
    NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 17 $3,705,000 $217,941 $3,873 3.04%
    Picayune, MS (FHA|USDA|VA) 21 $3,455,000 $164,524 $4,674 3.05%
    Albertville, AL (FHA|USDA|VA) 22 $3,400,000 $154,545 $3,648 3.39%
    OKLAHOMA CITY, OK (FHA|USDA|VA) 13 $3,395,000 $261,154 $3,879 3.19%
    JACKSONVILLE, FL (FHA|USDA|VA) 13 $3,185,000 $245,000 $4,276 3.06%
    TULSA, OK (FHA|USDA|VA) 11 $2,975,000 $270,455 $4,445 2.88%
    JEFFERSON CITY, MO (FHA|USDA|VA) 14 $2,470,000 $176,429 $2,205 3.02%
    COLUMBIA, MO (FHA|USDA|VA) 10 $2,420,000 $242,000 $2,267 3.01%
    LAWRENCE, KS (FHA|USDA|VA) 12 $2,400,000 $200,000 $2,301 2.95%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 10 $2,400,000 $240,000 $3,881 2.91%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 8 $2,380,000 $297,500 $3,878 3.02%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 9 $2,335,000 $259,444 $3,445 2.88%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 9 $2,285,000 $253,889 $3,875 2.97%
    BOULDER, CO (FHA|USDA|VA) 5 $2,075,000 $415,000 $3,032 3.08%
    ST. JOSEPH, MO-KS (FHA|USDA|VA) 10 $2,050,000 $205,000 $2,330 3.14%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 7 $1,895,000 $270,714 $4,632 2.68%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 6 $1,790,000 $298,333 $3,800 2.73%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 8 $1,740,000 $217,500 $4,929 2.92%
    WARNER ROBINS, GA (FHA|USDA|VA) 6 $1,720,000 $286,667 $4,752 3.00%
    Emporia, KS (FHA|USDA|VA) 6 $1,690,000 $281,667 $3,605 3.21%
    DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 5 $1,685,000 $337,000 $3,609 3.05%
    GAINESVILLE, GA (FHA|USDA|VA) 6 $1,540,000 $256,667 $4,573 2.69%
    HATTIESBURG, MS (FHA|USDA|VA) 7 $1,435,000 $205,000 $6,529 2.96%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 6 $1,280,000 $213,333 $2,077 3.29%
    AKRON, OH (FHA|USDA|VA) 5 $1,275,000 $255,000 $3,445 2.88%
    Bozeman, MT (FHA|USDA|VA) 4 $1,270,000 $317,500 $4,590 3.00%
    TOPEKA, KS (FHA|USDA|VA) 8 $1,250,000 $156,250 $2,574 3.28%
    CHATTANOOGA, TN-GA (FHA|USDA|VA) 5 $1,225,000 $245,000 $3,649 3.10%
    SPRINGFIELD, MO (FHA|USDA|VA) 6 $1,190,000 $198,333 $2,532 3.19%
    Quincy, IL-MO (FHA|USDA|VA) 7 $1,155,000 $165,000 $3,486 3.43%
    MOBILE, AL (FHA|USDA|VA) 3 $1,115,000 $371,667 $3,587 3.33%
    KNOXVILLE, TN (FHA|USDA|VA) 3 $1,055,000 $351,667 $5,481 2.67%
    GAINESVILLE, FL (FHA|USDA|VA) 4 $960,000 $240,000 $3,661 2.75%
    MADISON, WI (FHA|USDA|VA) 4 $930,000 $232,500 $4,026 2.97%
    JACKSON, MS (FHA|USDA|VA) 3 $845,000 $281,667 $3,468 2.75%
    Warrensburg, MO (FHA|USDA|VA) 3 $825,000 $275,000 $6,317 2.79%
    Marshall, MO (FHA|USDA|VA) 3 $825,000 $275,000 $2,786 2.75%
    Hutchinson, KS (FHA|USDA|VA) 4 $820,000 $205,000 $5,568 2.97%
    Breckenridge, CO (FHA|USDA|VA) 2 $730,000 $365,000 $4,780 2.94%
    Montrose, CO (FHA|USDA|VA) 2 $720,000 $360,000 $2,282 2.88%
    Farmington, MO (FHA|USDA|VA) 5 $705,000 $141,000 $3,714 3.05%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 2 $680,000 $340,000 $4,383 3.25%
    Ottawa, KS (FHA|USDA|VA) 5 $675,000 $135,000 $2,447 3.13%
    Fremont, NE (FHA|USDA|VA) 4 $670,000 $167,500 $3,932 3.06%
    DECATUR, AL (FHA|USDA|VA) 4 $670,000 $167,500 $6,254 3.06%
    TOLEDO, OH (FHA|USDA|VA) 2 $650,000 $325,000 $4,172 2.88%
    PORT ST. LUCIE, FL (FHA|USDA|VA) 2 $640,000 $320,000 $3,383 2.94%
    BATON ROUGE, LA (FHA|USDA|VA) 2 $640,000 $320,000 $5,511 2.44%
    PINE BLUFF, AR (FHA|USDA|VA) 3 $615,000 $205,000 $1,334 2.88%
    KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 2 $600,000 $300,000 $3,567 2.25%
    DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 2 $600,000 $300,000 $4,576 3.31%
    AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 2 $600,000 $300,000 $5,250 3.25%
    DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 3 $595,000 $198,333 $2,791 3.17%
    Oxford, MS (FHA|USDA|VA) 2 $590,000 $295,000 $3,781 3.19%
    CLARKSVILLE, TN-KY (FHA|USDA|VA) 3 $585,000 $195,000 $3,285 2.75%
    Jefferson, GA (FHA|USDA|VA) 2 $580,000 $290,000 $3,484 2.88%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 2 $540,000 $270,000 $4,419 2.69%
    Rolla, MO (FHA|USDA|VA) 2 $530,000 $265,000 $3,958 3.44%
    Sevierville, TN (FHA|USDA|VA) 2 $530,000 $265,000 $3,954 2.69%
    EL PASO, TX (FHA|USDA|VA) 2 $510,000 $255,000 $3,675 2.69%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 2 $500,000 $250,000 $5,309 3.00%
    IOWA CITY, IA (FHA|USDA|VA) 2 $490,000 $245,000 $3,543 2.81%
    FORT COLLINS, CO (FHA|USDA|VA) 2 $490,000 $245,000 $3,849 2.94%
    Scottsboro, AL (FHA|USDA|VA) 4 $490,000 $122,500 $3,720 3.56%
    Corinth, MS (FHA|USDA|VA) 2 $460,000 $230,000 $5,591 2.88%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 1 $445,000 $445,000 $8,177 3.00%
    PANAMA CITY, FL (FHA|USDA|VA) 2 $440,000 $220,000 $2,392 2.63%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 2 $440,000 $220,000 $3,136 2.44%
    YORK-HANOVER, PA (FHA|USDA|VA) 3 $435,000 $145,000 $4,003 3.67%
    SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 3 $415,000 $138,333 $2,900 3.92%
    GADSDEN, AL (FHA|USDA|VA) 3 $415,000 $138,333 $4,234 3.46%
    Sikeston, MO (FHA|USDA|VA) 3 $405,000 $135,000 $2,947 3.42%
    SHERMAN-DENISON, TX (FHA|USDA|VA) 1 $405,000 $405,000 $15,709 2.63%
    Poplar Bluff, MO (FHA|USDA|VA) 2 $400,000 $200,000 $1,032 2.50%
    CANTON-MASSILLON, OH (FHA|USDA|VA) 2 $360,000 $180,000 $2,839 3.13%
    Key West, FL (FHA|USDA|VA) 1 $355,000 $355,000 $3,633 2.50%
    Big Spring, TX (FHA|USDA|VA) 1 $345,000 $345,000 $5,957 2.50%
    ABILENE, TX (FHA|USDA|VA) 3 $335,000 $111,667 $2,436 3.08%
    HOT SPRINGS, AR (FHA|USDA|VA) 1 $315,000 $315,000 $3,701 3.00%
    THE VILLAGES, FL (FHA|USDA|VA) 1 $315,000 $315,000 $2,881 3.25%
    Kalispell, MT (FHA|USDA|VA) 1 $315,000 $315,000 $3,880 3.25%
    Searcy, AR (FHA|USDA|VA) 2 $310,000 $155,000 $2,378 3.50%
    SAVANNAH, GA (FHA|USDA|VA) 2 $310,000 $155,000 $2,852 3.31%
    AMES, IA (FHA|USDA|VA) 1 $305,000 $305,000 $1,652 3.13%
    DAYTON-KETTERING, OH (FHA|USDA|VA) 2 $300,000 $150,000 $3,150 3.44%
    MANSFIELD, OH (FHA|USDA|VA) 1 $295,000 $295,000 $3,460 3.25%
    LAFAYETTE, LA (FHA|USDA|VA) 1 $295,000 $295,000 $3,598 2.38%
    MANHATTAN, KS (FHA|USDA|VA) 2 $290,000 $145,000 $1,907 3.81%
    LUBBOCK, TX (FHA|USDA|VA) 1 $285,000 $285,000 $3,187 3.63%
    GREELEY, CO (FHA|USDA|VA) 1 $275,000 $275,000 $3,484 2.88%
    Lebanon, MO (FHA|USDA|VA) 2 $270,000 $135,000 $2,808 2.56%
    CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 1 $265,000 $265,000 $3,579 2.25%
    Jacksonville, IL (FHA|USDA|VA) 1 $255,000 $255,000 $3,769 3.25%
    PUEBLO, CO (FHA|USDA|VA) 2 $250,000 $125,000 $2,766 3.31%
    OCALA, FL (FHA|USDA|VA) 2 $250,000 $125,000 $3,330 4.13%
    Cañon City, CO (FHA|USDA|VA) 1 $245,000 $245,000 $3,406 3.38%
    Tullahoma-Manchester, TN (FHA|USDA|VA) 1 $245,000 $245,000 $3,470 2.88%
    Centralia, IL (FHA|USDA|VA) 2 $240,000 $120,000 $1,972 2.94%
    ROME, GA (FHA|USDA|VA) 1 $235,000 $235,000 $3,334 2.25%
    MACON-BIBB COUNTY, GA (FHA|USDA|VA) 1 $235,000 $235,000 $3,188 2.63%
    PEORIA, IL (FHA|USDA|VA) 1 $235,000 $235,000 $2,481 2.75%
    Winfield, KS (FHA|USDA|VA) 1 $225,000 $225,000 $2,491 4.50%
    Tupelo, MS (FHA|USDA|VA) 1 $215,000 $215,000 $2,951 2.25%
    Cedartown, GA (FHA|USDA|VA) 1 $205,000 $205,000 $3,707 3.00%
    LAKE CHARLES, LA (FHA|USDA|VA) 1 $205,000 $205,000 $3,462 3.25%
    Helena, MT (FHA|USDA|VA) 1 $205,000 $205,000 $5,289 2.50%
    ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 1 $205,000 $205,000 $4,118 2.50%
    Lawrenceburg, TN (FHA|USDA|VA) 1 $195,000 $195,000 $2,424 2.88%
    JACKSON, MI (FHA|USDA|VA) 1 $185,000 $185,000 $2,884 2.38%
    Mountain Home, AR (FHA|USDA|VA) 1 $185,000 $185,000 $2,116 3.00%
    HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 1 $185,000 $185,000 $3,565 2.75%
    ELKHART-GOSHEN, IN (FHA|USDA|VA) 1 $175,000 $175,000 $2,803 2.88%
    Sebastian-Vero Beach, FL (FHA|USDA|VA) 1 $175,000 $175,000 $3,902 3.50%
    Branson, MO (FHA|USDA|VA) 1 $165,000 $165,000 $2,088 2.88%
    Norfolk, NE (FHA|USDA|VA) 2 $160,000 $80,000 $3,187 3.56%
    Fort Leonard Wood, MO (FHA|USDA|VA) 1 $155,000 $155,000 $2,671 3.50%
    Garden City, KS (FHA|USDA|VA) 1 $155,000 $155,000 $4,509 3.38%
    CARBONDALE-MARION, IL (FHA|USDA|VA) 1 $155,000 $155,000 $435 2.25%
    Vicksburg, MS (FHA|USDA|VA) 1 $155,000 $155,000 $2,976 2.50%
    WACO, TX (FHA|USDA|VA) 1 $155,000 $155,000 $2,359 3.25%
    SPRINGFIELD, IL (FHA|USDA|VA) 1 $145,000 $145,000 $2,239 2.88%
    Harrison, AR (FHA|USDA|VA) 1 $135,000 $135,000 $2,766 3.13%
    Beatrice, NE (FHA|USDA|VA) 2 $130,000 $65,000 $2,541 3.50%
    Ashland, OH (FHA|USDA|VA) 1 $125,000 $125,000 $2,897 3.38%
    Bainbridge, GA (FHA|USDA|VA) 1 $115,000 $115,000 $5,261 3.75%
    Greenwood, MS (FHA|USDA|VA) 1 $115,000 $115,000 $3,324 3.13%
    FORT WAYNE, IN (FHA|USDA|VA) 1 $105,000 $105,000 $1,985 3.88%
    Atchison, KS (FHA|USDA|VA) 1 $105,000 $105,000 $3,242 2.50%
    HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 1 $85,000 $85,000 $3,775 4.25%
    Greenville, OH (FHA|USDA|VA) 1 $85,000 $85,000 $3,390 3.88%
    Hastings, NE (FHA|USDA|VA) 1 $85,000 $85,000 $2,528 3.88%
    Maryville, MO (FHA|USDA|VA) 1 $85,000 $85,000 $2,426 3.25%
    Natchez, MS-LA (FHA|USDA|VA) 1 $75,000 $75,000 $3,936 4.25%
    Macomb, IL (FHA|USDA|VA) 1 $65,000 $65,000 $4,394 2.75%
    Fort Payne, AL (FHA|USDA|VA) 1 $65,000 $65,000 $3,365 3.75%
    Atmore, AL (FHA|USDA|VA) 1 $65,000 $65,000 $2,742 2.13%
    Columbus, NE (FHA|USDA|VA) 1 $55,000 $55,000 $1,945 3.25%
    Bartlesville, OK (FHA|USDA|VA) 1 $55,000 $55,000 $2,393 2.50%
    Sidney, OH (FHA|USDA|VA) 1 $35,000 $35,000 $2,833 3.63%
    Delmar Financial Company's top markets include St. Louis, Kansas City, Omaha, Gulfport, and Wichita among others.

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

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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 5,519 $1,357,355,000 $245,942 $2,728 3.10%
    FHA 591 $97,715,000 $165,338 $6,255 3.29%
    VA 407 $107,285,000 $263,600 $3,578 2.75%
    USDA 122 $17,810,000 $145,984 $4,675 3.11%

    For 2020, Delmar Financial Company's most frequently originated type of loan was Conventional, with 5,519 originations. Their 2nd most popular type was FHA, with 591 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 3,419 $894,475,000 $261,619 $2,464 2.98%
    Home Purchase 2,491 $507,965,000 $203,920 $4,087 3.21%
    Cash Out Refi 728 $177,640,000 $244,011 $2,982 3.27%
    Home Improvement 1 $85,000 $85,000 $2,829 4.88%

    For 2020, Delmar Financial Company's most frequently cited loan purpose was Refi, with 3,419 originations. The 2nd most popular reason was Home Purchase, with 2,491 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 5,290 $1,251,410,000 $236,561 $3,282 3.18%
    15 Year 813 $194,425,000 $239,145 $2,684 2.67%
    Other 295 $75,195,000 $254,898 $2,111 3.05%
    20 Year 199 $50,855,000 $255,553 $2,631 2.98%
    10 Year 42 $8,280,000 $197,143 $2,166 2.62%

    For 2020, Delmar Financial Company's most frequently cited loan duration was 30 Year, with 5,290 originations. The 2nd most popular length was 15 Year, with 813 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 4,223 $1,049,675,000 $248,561
    $1k-2k 1,860 $412,010,000 $221,511
    $2k-3k 274 $51,660,000 $188,540
    $3k-4k 101 $22,335,000 $221,139
    $4k-5k 47 $12,415,000 $264,149
    $5k+ 25 $7,625,000 $305,000

    Delmar Financial Company's average total fees were $3,282, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 4,223 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 2,757 $604,635,000 $219,309
    2.5-3% 2,590 $660,840,000 $255,151
    <2.5% 963 $271,125,000 $281,542
    4-5% 306 $40,780,000 $133,268
    5-6% 21 $2,465,000 $117,381
    6-7% 2 $320,000 $160,000

    During 2020, Delmar Financial Company's average interest rate for loans was 3.18%, while their most frequently originated rate bucket for loans was 3-4%, with 2,757 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 3,185 $886,785,000 $278,425 $3,166 2.96%
    $100k-200k 2,197 $337,015,000 $153,398 $3,132 3.20%
    $100,000 or less 617 $46,215,000 $74,903 $3,032 3.64%
    $400k-600k 600 $278,310,000 $463,850 $2,942 2.89%
    $600k-1MM 37 $27,705,000 $748,784 $4,336 3.34%
    $1MM+ 3 $4,135,000 $1,378,333 $6,659 3.00%

    2020 saw Delmar Financial Company place emphasis on $200k-400k loans with 3,185 originations, totaling $886,785,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 1,680 $441,920,000 $263,048 $2,968 3.06%
    $50k-75k 1,326 $242,180,000 $182,640 $3,383 3.18%
    $75k-100k 1,140 $256,570,000 $225,061 $3,166 3.09%
    $150k-250k 1,125 $343,555,000 $305,382 $2,876 3.05%
    $50k or less 818 $109,470,000 $133,826 $3,679 3.25%
    $250k+ 343 $132,285,000 $385,671 $2,982 3.06%

    Delmar Financial Company lent most frequently to those with incomes in the $100k-150k range, with 1,680 originations. The second most popular income band? $50k-75k, with 1,326 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 1,870 $472,800,000 $252,834 $2,747 3.05%
    30-36% 1,197 $276,425,000 $230,931 $3,160 3.11%
    <20% 736 $187,290,000 $254,470 $2,545 2.99%
    42% 218 $48,530,000 $222,615 $3,446 3.14%
    38% 216 $50,760,000 $235,000 $3,137 3.16%
    41% 215 $45,945,000 $213,698 $3,288 3.18%
    44% 213 $44,865,000 $210,634 $3,229 3.32%
    37% 203 $50,135,000 $246,970 $3,816 3.17%
    43% 199 $44,265,000 $222,437 $3,390 3.22%
    40% 195 $43,705,000 $224,128 $3,600 3.25%
    39% 194 $47,750,000 $246,134 $3,298 3.11%
    36% 181 $44,375,000 $245,166 $3,469 3.07%
    50-60% 150 $29,840,000 $198,933 $6,448 3.21%
    45% 147 $34,355,000 $233,707 $3,754 3.09%
    48% 131 $28,295,000 $215,992 $3,389 3.23%
    49% 131 $26,065,000 $198,969 $3,537 3.25%
    47% 119 $24,345,000 $204,580 $3,570 3.20%
    46% 114 $25,460,000 $223,333 $3,903 3.25%
    >60% 2 $650,000 $325,000 $7,144 2.81%

    Delmar Financial Company lent most frequently to those with DTI ratios of 20-30%, with 1,870 originations. The next most common DTI ratio? 30-36%, with 1,197 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 5,291 $1,270,955,000 $240,211 $3,028 3.10%
    Asian 526 $135,310,000 $257,243 $2,714 2.90%
    Not provided 461 $104,545,000 $226,779 $3,655 3.17%
    Black 311 $57,005,000 $183,296 $4,795 3.28%
    American Indian 40 $10,590,000 $264,750 $2,963 3.23%
    Native Hawaiian or Islander 10 $1,760,000 $176,000 $3,456 3.28%

    Approval Rates

    Total approvals of all applications
    98.34%

    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
    75.13%

    Delmar Financial Company has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 6,639 $1,580,165,000 $238,013

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Site-Built 6,639 $1,580,165,000 $238,013

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 129 $23,755,000 $184,147 $2,364 2.88%
    40-60% 739 $180,715,000 $244,540 $2,481 2.87%
    60-80% 2,892 $730,490,000 $252,590 $2,644 3.12%
    80-100% 2,812 $627,630,000 $223,197 $3,708 3.16%
    Over 100% 65 $17,325,000 $266,538 $8,685 2.81%
    Under 20% 2 $250,000 $125,000 $1,573 3.00%

    Complaints

    Bank Name Product Issue 2020 CPFB Complaints % of Total Issues
    DELMAR FINANCIAL COMPANY Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 1 100.0%