Purchase Originations
1,812
Ranked #245 nationally
Median Total Costs
$4,908
−26.5% vs national ($6,680)
↑ $193 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$1,590
Median Lender Credits
$480
Cost Rank (500+ vol.)
#189
among lenders with 500+ originations
Denial Rate
1.4%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 1,040 | 6.625% | $4,242 | $1,490 |
| fha | 506 | 6.490% | $8,607 | $2,090 |
| va | 238 | 6.250% | $4,448 | $1,062 |
| usda | 28 | 6.250% | $7,555 | $2,936 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Illinois | 523 | 6.625% | $4,057 | #45 |
| Missouri | 456 | 6.625% | $4,398 | #24 |
| South Carolina | 208 | 6.490% | $6,447 | #71 |
| Tennessee | 117 | 6.500% | $6,860 | #113 |
| Florida | 96 | 6.375% | $8,677 | #233 |
| Mississippi | 84 | 6.375% | $7,823 | #51 |
| North Carolina | 73 | 6.490% | $6,776 | #171 |
| Nebraska | 68 | 6.625% | $3,654 | #49 |
| Virginia | 62 | 6.500% | $4,553 | #161 |
| Kansas | 28 | 6.500% | $3,327 | — |
| Texas | 12 | 6.625% | $6,585 | — |
| Georgia | 9 | 6.490% | $7,919 | — |
| Arkansas | 8 | 6.188% | $3,484 | — |
| Colorado | 8 | 6.433% | $4,112 | — |
| Alabama | 7 | 6.375% | $4,434 | — |
| Oklahoma | 7 | 6.500% | $8,160 | — |
| Pennsylvania | 7 | 6.125% | $5,821 | — |
| California | 6 | 6.375% | $6,108 | — |
| Louisiana | 5 | 6.375% | $4,884 | — |
| New Jersey | 5 | 6.250% | $6,972 | — |
| Indiana | 4 | 6.620% | $3,576 | — |
| Michigan | 4 | 6.433% | $4,583 | — |
| Ohio | 3 | 6.875% | $7,100 | — |
| Maryland | 2 | 6.438% | $20,424 | — |
| Wisconsin | 2 | 6.370% | $3,677 | — |
| Arizona | 1 | 6.250% | $24,306 | — |
| Connecticut | 1 | 4.990% | $9,237 | — |
| District of Columbia | 1 | 5.750% | $4,752 | — |
| Iowa | 1 | 6.990% | $0 | — |
| Kentucky | 1 | 6.500% | $3,478 | — |
| Massachusetts | 1 | 5.875% | $7,571 | — |
| Washington | 1 | 6.125% | $6,746 | — |
| Wyoming | 1 | 6.625% | $7,715 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,182 | 6.625% | — | 17 | −$1,726 | |
| 2 | $3,538 | 6.625% | — | 35 | −$1,370 | |
| 3 | $3,676 | 6.990% | — | 37 | −$1,232 | |
| 4 | $3,781 | 6.625% | — | 29 | −$1,127 | |
| 5 | $4,057 | 6.625% | — | 252 | −$851 | |
| 6 | $4,189 | 6.490% | — | 21 | −$719 | |
| 7 | $4,198 | 6.500% | — | 24 | −$710 | |
| 8 | $4,301 | 6.625% | — | 65 | −$607 | |
| 9 | $4,360 | 6.625% | — | 90 | −$548 | |
| 10 | $4,396 | 6.625% | — | 119 | −$512 | |
| 11 | $4,436 | 6.750% | — | 16 | −$472 | |
| 12 | $4,524 | 6.500% | — | 18 | −$384 | |
| 13 | $4,554 | 6.500% | — | 190 | −$354 | |
| 14 | $5,070 | 6.375% | — | 42 | +$162 | |
| 15 | $6,141 | 6.750% | — | 15 | +$1,233 | |
| 16 | $6,723 | 6.250% | — | 35 | +$1,815 | |
| 17 | $7,169 | 6.500% | — | 23 | +$2,261 | |
| 18 | $7,541 | 6.250% | — | 60 | +$2,633 | |
| 19 | $8,714 | 6.250% | — | 35 | +$3,806 | |
| 20 | $8,972 | 6.250% | — | 60 | +$4,064 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Delmar Financial Company | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $250,000 | $335,000 | −$85,000 (−25.4%) |
| Median total closing costs | $4,908 | $7,127 | −$2,219 (−31.1%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.