Delmar Financial Company: 2025 mortgage rates, costs & approvals
How Delmar Financial Company priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: DELMAR FINANCIAL COMPANY · LEI 5493004T9SQFCNRQ2L76
In 2025, Delmar Financial Company originated 2,200 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 37 states — 256th by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 6.625% (all lenders: 6.625%); its median rate spread was 11 basis points above the national median. Median conventional loan costs were $4,240, 24% lower than the national median ($5,570).
It denied 1.4% of completed home-purchase applications (all lenders: 8.5%).
How Delmar Financial Company priced home-purchase loans
| Purchase loans, 2025 | Delmar Financial Company | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.625% | 6.625% |
| 30-year fixed rate · FHA | 6.375% | 6.250% |
| 30-year fixed rate · VA | 6.250% | 6.125% |
| 15-year fixed rate · conventional | 5.990% | 5.875% |
| Rate spread vs. APOR · conventional | +0.24 pts | +0.13 pts |
| Total loan costs · conventional | $4,240 | $5,570 |
| Total loan costs · FHA | $8,620 | $11,310 |
| Total loan costs · VA | $4,430 | $6,490 |
| Origination charges (all types) | $1,590 | $1,860 |
| Borrowers paying discount points | 31.4% | 51.3% |
| Points paid, when paid (% of loan) | 0.39% | 0.87% |
| Borrowers receiving lender credits | 26.7% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Why Delmar Financial Company denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where Delmar Financial Company lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| Missouri | 617 | 700 | 1.7% | 6.625% | $4,250 |
| Illinois | 615 | 710 | 2.3% | 6.875% | $3,290 |
| South Carolina | 235 | 286 | 1.6% | 6.625% | $4,830 |
| Tennessee | 134 | 151 | 0.8% | 6.750% | $5,280 |
| Florida | 98 | 119 | 0.0% | 6.500% | $5,830 |
| Mississippi | 87 | 97 | 0.0% | 6.625% | $6,180 |
| North Carolina | 81 | 99 | 0.0% | 6.625% | $4,840 |
| Nebraska | 70 | 75 | 0.0% | 6.750% | $3,500 |
| Virginia | 68 | 81 | 0.0% | 6.750% | $4,450 |
| Kansas | 52 | 57 | 0.0% | 6.625% | $3,030 |
| Texas | 23 | 30 | — | — | — |
| Arkansas | 13 | 14 | — | — | — |
| Georgia | 13 | 14 | — | — | — |
| California | 12 | 18 | — | — | — |
| Alabama | 10 | 13 | — | — | — |
| Oklahoma | 10 | 10 | — | — | — |
| Colorado | 9 | 9 | — | — | — |
| Pennsylvania | 8 | 10 | — | — | — |
| Michigan | 6 | 8 | — | — | — |
| Louisiana | 6 | 7 | — | — | — |
| New Jersey | 5 | 10 | — | — | — |
| Indiana | 4 | 4 | — | — | — |
| Ohio | 4 | 4 | — | — | — |
| Wisconsin | 4 | 4 | — | — | — |
| Washington | 3 | 3 | — | — | — |
| Connecticut | 2 | 2 | — | — | — |
| Maryland | 2 | 2 | — | — | — |
| Arizona | 1 | 3 | — | — | — |
| Kentucky | 1 | 2 | — | — | — |
| District of Columbia | 1 | 1 | — | — | — |
| Delaware | 1 | 1 | — | — | — |
| Iowa | 1 | 1 | — | — | — |
| Idaho | 1 | 1 | — | — | — |
| Massachusetts | 1 | 1 | — | — | — |
| New Mexico | 1 | 1 | — | — | — |
| Wyoming | 1 | 1 | — | — | — |
| Minnesota | 0 | 1 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Delmar Financial Company's page for that state.
Counties where Delmar Financial Company is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Marion County, IL | 1 | 42 | 13.0% |
| Washington County, IL | 1 | 12 | 10.1% |
| Lewis County, TN | 3 | 18 | 8.8% |
| Smith County, KS | 5 | 1 | 8.3% |
| St. Clair County, IL | 2 | 304 | 8.3% |
| Thurston County, NE | 5 | 2 | 8.0% |
| Clinton County, IL | 2 | 32 | 7.5% |
| Jefferson County, IL | 6 | 14 | 5.3% |
| Gadsden County, FL | 6 | 11 | 3.9% |
| Greene County, MS | 6 | 3 | 3.6% |
| Shelby County, MO | 10 | 1 | 3.6% |
| Wayne County, IL | 5 | 3 | 3.5% |
| Marshall County, KS | 5 | 2 | 3.4% |
| Madison County, IL | 11 | 136 | 3.4% |
| Jackson County, MS | 9 | 62 | 3.1% |
Check Delmar Financial Company yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 5493004T9SQFCNRQ2L76.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from Delmar Financial Company with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology