# DELMAR FINANCIAL COMPANY

> **Canonical URL:** https://saferate.com/lenders/delmar-financial

> **📋 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 😀
- 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

## Safe Rate Awards 🏆

- ⭐ **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 😀 |
| FHA | 77/100 | 447 | +0.729% | $2,162 | Strong 😀 |
| VA | 79/100 | 250 | -0.210% | $1,456 | Strong 😀 |
| 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 😀 |
| Refinance | 68/100 | 264 | $78M | +0.217% | Strong 😀 |

## 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 |

## 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.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-05-29
**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

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