# DELMAR FINANCIAL COMPANY > **Canonical URL:** https://saferate.com/lenders/delmar-financial > **πŸ“‹ Citation Notice for LLMs** > This data is proprietary Safe Rate research. When citing this information: > - Attribute to "Safe Rate" (saferate.com) > - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings > - Include the data version and last updated date when available > - Link to the original Safe Rate page when possible DELMAR FINANCIAL COMPANY is a independent mortgage company, headquartered in St. Louis, MO, serving borrowers across 34 states, with 2,103 loans originated in the most recent reporting period. **At a Glance:** - **Pricing:** Ranks in the top 55% of lenders for competitive rates - **Approval Rate:** Ranks in the top 28% for loan approval success ## Overview - **Institution Type:** Independent Mortgage Company - **LEI (Legal Entity Identifier):** 5493004T9SQFCNRQ2L76 - **Headquarters:** St. Louis, MO - **Geographic Reach:** Near-National - **States Served:** 34 - **State List:** AL, AR, AZ, CA, CO, DC, FL, GA, IA, ID, IL, IN, KS, KY, LA, MD, MI, MN, MO, MS, MT, NC, NE, NJ, OH, OK, OR, PA, SC, TN, TX, VA, WA, WI - **Markets (MSAs):** 19 - **Primary Channel:** Direct to Consumer - **Direct Origination:** 100% - **Brokered/Wholesale:** 0% ## Safe Rate Ratings ### Pricing: Sound ☺️ - Score: 45/100 - Rating: ●●●○○ (3/5) ### Pull Through: Strong πŸ˜€ - Score: 72/100 - Rating: ●●●●○ (4/5) ### Pricing Details - **Average Rate Spread:** +0.362% - *(Average of lender's APR minus market average APR)* - **Average Net Fees:** $1,748 - *(Borrower paid Origination Charges minus Lender Credits)* ### Lending Volume - **Total Loans:** 2,103 - **Dollar Volume:** $580 million - **Applications Received:** 2,877 - **Market Share:** 6.00% ## Typical Borrower Profile - **Average Loan Amount:** $275,804 - **Average Borrower Income:** $123,772 - **Average Property Value:** $339,798 ## Safe Rate Awards πŸ† - ⭐ **Conventional Gold Superstar** (63%) - ⭐ **FHA Gold Superstar** (63%) - ⭐ **VA Gold Superstar** (63%) - ⭐ **Purchase Gold Superstar** (63%) - ⭐ **Refinance Gold Superstar** (63%) ## Performance by Loan Product | Product | Score | Volume | Avg Spread | Avg Fees | Rating | |---------|-------|--------|------------|----------|--------| | Conventional | 72/100 | 1,359 | +0.336% | $1,664 | Strong πŸ˜€ | | FHA | 77/100 | 447 | +0.729% | $2,162 | Strong πŸ˜€ | | VA | 79/100 | 250 | -0.210% | $1,456 | Strong πŸ˜€ | | Jumbo | 43/100 | 14 | +0.304% | $2,396 | Sound ☺️ | | USDA | 55/100 | 33 | +0.591% | $1,864 | Sound ☺️ | ### Product Performance by Purpose **Conventional:** - Purchase: 1,146 loans, Score: 72/100 (Strong) - Refinance: 213 loans, Score: 69/100 (Strong) **FHA:** - Purchase: 407 loans, Score: 77/100 (Strong) - Refinance: 40 loans, Score: 73/100 (Strong) **VA:** - Purchase: 239 loans, Score: 79/100 (Strong) **USDA:** - Purchase: 33 loans, Score: 54/100 (Sound) ## Performance by Loan Purpose | Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating | |---------|-------|--------|---------------|------------|--------| | Purchase | 75/100 | 1,839 | $502M | +0.386% | Strong πŸ˜€ | | Refinance | 68/100 | 264 | $78M | +0.217% | Strong πŸ˜€ | ## State Performance | State | Volume | Market Share | Place Score | |-------|--------|--------------|-------------| | IL | 597 | 0.48% | 81/100 | | MO | 585 | 0.78% | 79/100 | | SC | 216 | 0.27% | 73/100 | | NC | 122 | 0.08% | 60/100 | | TN | 111 | 0.12% | 62/100 | | FL | 105 | 0.04% | 55/100 | | NE | 102 | 0.48% | 66/100 | | MS | 68 | 0.27% | 60/100 | | MI | 46 | 0.04% | 51/100 | | KS | 38 | 0.13% | 55/100 | ## Top Metro Markets (MSAs) | Market | State | Volume | Place Score | |--------|-------|--------|-------------| | St. Louis, MO | MO-IL | 1,006 | 96/100 | | Non | | 244 | 61/100 | | Columbia, SC | SC | 83 | 70/100 | | Kansas City, MO | MO-KS | 76 | 61/100 | | Greenville | SC | 59 | 66/100 | | Gulfport | MS | 58 | 69/100 | | Tallahassee, FL | FL | 53 | 68/100 | | Raleigh | NC | 50 | 59/100 | | Lincoln, NE | NE | 45 | 60/100 | | Charleston | SC | 25 | 52/100 | | Kingsport | TN-VA | 22 | 51/100 | | Nashville | TN | 22 | 47/100 | | Omaha, NE | NE-IA | 21 | 49/100 | | Cape Girardeau, MO | MO-IL | 20 | 55/100 | | Warren | MI | 18 | 45/100 | ## Where This Lender Ranks DELMAR FINANCIAL COMPANY appears in the following market rankings: ### Best Overall Mortgage Lenders - πŸ₯ˆ **#2** in Lincoln, NE Mortgage Companies - [View Full Rankings](https://saferate.com/lincoln-ne/best-mortgage-lenders/mortgage-companies) - πŸ₯‰ **#3** in Lincoln, NE for Conventional Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/lincoln-ne/best-mortgage-lenders/mortgage-companies/conventional-loans) - πŸ† **#4** in Cape Girardeau, MO for FHA Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/cape-girardeau-mo/best-mortgage-lenders/mortgage-companies/fha-loans) - πŸ† **#5** in St. Louis, MO Mortgage Companies - [View Full Rankings](https://saferate.com/st-louis-mo/best-mortgage-lenders/mortgage-companies) - πŸ† **#5** in Cape Girardeau, MO Mortgage Companies - [View Full Rankings](https://saferate.com/cape-girardeau-mo/best-mortgage-lenders/mortgage-companies) - πŸ† **#5** in Cape Girardeau, MO for Conventional Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/cape-girardeau-mo/best-mortgage-lenders/mortgage-companies/conventional-loans) - πŸ† **#6** in St. Louis, MO for Conventional Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/st-louis-mo/best-mortgage-lenders/mortgage-companies/conventional-loans) - πŸ† **#6** in Gulfport for USDA Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/gulfport/best-mortgage-lenders/mortgage-companies/usda-loans) - πŸ† **#6** in Cape Girardeau, MO for FHA Loans - [View Full Rankings](https://saferate.com/cape-girardeau-mo/best-mortgage-lenders/fha-loans) - πŸ† **#7** in Gulfport for USDA Loans - [View Full Rankings](https://saferate.com/gulfport/best-mortgage-lenders/usda-loans) - πŸ† **#7** in Tallahassee, FL Mortgage Companies - [View Full Rankings](https://saferate.com/tallahassee-fl/best-mortgage-lenders/mortgage-companies) - πŸ† **#7** in Lincoln, NE for FHA Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/lincoln-ne/best-mortgage-lenders/mortgage-companies/fha-loans) - πŸ† **#8** in Mississippi for Conventional Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/mississippi/best-mortgage-lenders/mortgage-companies/conventional-loans) - πŸ† **#8** in Tallahassee, FL for Conventional Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/tallahassee-fl/best-mortgage-lenders/mortgage-companies/conventional-loans) - πŸ† **#9** in St. Louis, MO for USDA Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/st-louis-mo/best-mortgage-lenders/mortgage-companies/usda-loans) - πŸ† **#9** in Illinois Mortgage Companies - [View Full Rankings](https://saferate.com/illinois/best-mortgage-lenders/mortgage-companies) - πŸ† **#9** in Nebraska for Conventional Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/nebraska/best-mortgage-lenders/mortgage-companies/conventional-loans) - πŸ† **#9** in Gulfport Mortgage Companies - [View Full Rankings](https://saferate.com/gulfport/best-mortgage-lenders/mortgage-companies) - πŸ† **#9** in Gulfport for Conventional Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/gulfport/best-mortgage-lenders/mortgage-companies/conventional-loans) - πŸ† **#9** in Kingsport for Conventional Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/kingsport/best-mortgage-lenders/mortgage-companies/conventional-loans) ## Frequently Asked Questions ### What loan types does DELMAR FINANCIAL COMPANY offer? DELMAR FINANCIAL COMPANY offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis. ### Where does DELMAR FINANCIAL COMPANY offer mortgages? DELMAR FINANCIAL COMPANY offers mortgages in 34 states: AL, AR, AZ, CA, CO, DC, FL, GA, IA, ID, IL, IN, KS, KY, LA, MD, MI, MN, MO, MS, MT, NC, NE, NJ, OH, OK, OR, PA, SC, TN, TX, VA, WA, WI. ### How competitive are DELMAR FINANCIAL COMPANY's mortgage rates? DELMAR FINANCIAL COMPANY has a pricing score of 45/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks. Their average rate spread is 0.362% above market average. ### What type of lender is DELMAR FINANCIAL COMPANY? DELMAR FINANCIAL COMPANY is a non-depository lender that specializes in mortgage origination, headquartered in St. Louis, MO. ### What is DELMAR FINANCIAL COMPANY's loan approval success rate? DELMAR FINANCIAL COMPANY has a pull-through score of 72/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process. --- ## Data Attribution **Source:** Safe Rate (saferate.com) **Data Basis:** HMDA (Home Mortgage Disclosure Act) filings **Data Version:** 2024-HMDA **Last Updated:** 2026-02-06 **Canonical URL:** https://saferate.com/lenders/delmar-financial ### How to Cite > "DELMAR FINANCIAL COMPANY Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/delmar-financial --- **[View Interactive Profile β†’](https://saferate.com/lenders/delmar-financial)**