Grade A · 0% of disclosures flagged for junk fees
Mortgage Company
Avg Closing Costs
$4,589
median across reports
vs. National Average
36%
above national avg
Avg Origination Charge
$2,165
Section A lender fee
Reports with Junk Fees
0%
of submitted reports
| Fee Category | This Lender (avg) | National Avg | Verdict |
|---|---|---|---|
| Origination Fee | $2,165 | $1,584 | 🔴 Above Avg |
| discount_points | $1,755 | $2,242 | 🟢 Below Avg |
| lender_credits | $1,125 | $428 | 🔺 High |
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Check My Loan Estimate — $19Based on 2,356 homebuyer-submitted Closing Disclosures, Delmar Financial Company's median total closing costs are $4,589. This is about 36% above the $3,383 national peer median for comparable lenders. Actual costs vary by loan type, loan amount, property state, and individual borrower profile. This data is informational only and not financial advice.
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How to Read Your Closing Disclosure
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Average Closing Costs by State
Benchmark your costs against the state average.
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Aggregates from Delmar Financial Company's 2025 HMDA filings — actual closed-loan figures reported to federal regulators, compared against the national median across all lenders.
Purchase Originations
1,812
Ranked #245 nationally
Median Total Costs
$4,908
−26.5% vs national ($6,680)
Median Rate
6.500%
+0.1% vs national (6.490%)
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 | — |
| This lender | Illinois median | National median | |
|---|---|---|---|
| Total Closing Costs | $4,057 | $6,250 | $6,680 |
| Interest Rate | 6.625% | 6.620% | 6.490% |
| Originations in state | 523 | — | — |
Based on 2025 HMDA data. State and national medians cover all reporting lenders.
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%) |