Looking for a different lender?
D
DELMAR FINANCIAL COMPANY
Independent Mortgage Company|St. Louis, MO|Near-National
Loans Originated
2,103
Applications
2,877
Volume
$580 million
Offers loans directly to consumers
Overall Pricing
Sound
Overall Pull Through
Strong
Safe Rate Awards⭐Conventional Superstar⭐FHA Superstar⭐VA Superstar⭐Purchase Superstar⭐Refinance Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.362%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$1,748
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
73.1%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA loans
- Nationwide availability with consistent service
Report Card
DELMAR FINANCIAL COMPANY performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Sound | Industry Standard | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Strong | Highly Competitive | |
VA | Strong | Highly Competitive | |
Jumbo | Sound | Industry Standard | |
USDA | Sound | Industry Standard | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Sound | Near-National · 19 metro areas · 34 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$275,804
Average Borrower Income
$123,772
Average Property Value
$339,798
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Strong | Strong | Sound | Strong | 1,359 | 64.6% | +0.336% | $1,664 |
FHA Loans | Strong | Strong | Sound | Strong | 447 | 21.3% | +0.729% | $2,162 |
VA Loans | Strong | Strong | Sound | Strong | 250 | 11.9% | -0.210% | $1,456 |
Jumbo Loans | Acceptable | Sound | N/A | Acceptable | 14 | 0.7% | +0.304% | $2,396 |
USDA Loans | Acceptable | Sound | Acceptable | Acceptable | 33 | 1.6% | +0.591% | $1,864 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Strong | Sound | Strong | 1,839 | 87.4% | +0.386% | $1,836 |
Refinance | Strong | Strong | Sound | Strong | 264 | 12.6% | +0.217% | $1,218 |
Geographic Coverage
Metro Areas
18
States Served
34
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
ALARAZCACODCFLGAIAIDILINKSKYLAMDMIMNMOMSMTNCNENJOHOKORPASCTNTXVAWAWI
Top Metro Areas by Place Specialization Score
1
St. Louis, MO, MO-ILMSA
Volume: 1,006Mix: 47.84%
Place Specialization
Exceptional
2
Columbia, SC, SCMSA
Volume: 83Mix: 3.95%
Place Specialization
Strong
3
Gulfport, MSMSA
Volume: 58Mix: 2.76%
Place Specialization
Strong
4
Tallahassee, FL, FLMSA
Volume: 53Mix: 2.52%
Place Specialization
Strong
5
Greenville, SCMSA
Volume: 59Mix: 2.81%
Place Specialization
Strong
6
Kansas City, MO, MO-KSMSA
Volume: 76Mix: 3.61%
Place Specialization
Strong
7
Lincoln, NE, NEMSA
Volume: 45Mix: 2.14%
Place Specialization
Strong
8
Raleigh, NCMSA
Volume: 50Mix: 2.38%
Place Specialization
Sound
9
Cape Girardeau, MO, MO-ILMSA
Volume: 20Mix: 0.95%
Place Specialization
Sound
10
Charleston, SCMSA
Volume: 25Mix: 1.19%
Place Specialization
Sound
Showing 10 of 18 metro areas
Top States by Place Specialization Score
1
ILState
Volume: 597Mix: 28.39%
Place Specialization
Exceptional
2
MOState
Volume: 585Mix: 27.82%
Place Specialization
Strong
3
SCState
Volume: 216Mix: 10.27%
Place Specialization
Strong
4
NEState
Volume: 102Mix: 4.85%
Place Specialization
Strong
5
TNState
Volume: 111Mix: 5.28%
Place Specialization
Strong
6
MSState
Volume: 68Mix: 3.23%
Place Specialization
Strong
7
NCState
Volume: 122Mix: 5.80%
Place Specialization
Sound
8
FLState
Volume: 105Mix: 4.99%
Place Specialization
Sound
9
KSState
Volume: 38Mix: 1.81%
Place Specialization
Sound
10
MIState
Volume: 46Mix: 2.19%
Place Specialization
Sound
Showing 10 of 12 states
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
Ready to Get Started?
Compare DELMAR FINANCIAL COMPANY with other lenders or get personalized recommendations.