Lender profile
Delmar Mortgage
mortgage banker · St. Louis, MO · founded 1966
Verified Oct 1, 2026
Delmar Financial Company, trading as Delmar Mortgage, is a direct mortgage banker in St. Louis, licensed in 42 states and originating since 1966 under NMLS #30998 — the longest operating history of any lender in this directory. It writes the full investor set, including DSCR rental, bridge, fix-and-flip and non-QM, alongside the conventional, FHA, VA and jumbo lending its public product guide leads with. That combination is unusual here: most lenders in this directory do one or the other, so an investor whose next two deals need different underwriting routes can keep both at one shop. Delmar does not publish investor-specific credit, DSCR, leverage or loan-size criteria, so none are listed on this page — request current terms directly. Delmar Mortgage is a mortgage banker lender, founded in 1966, headquartered in St. Louis, MO, describing its footprint as "National".
For a rental investor, the products on file are rental DSCR, fix-and-flip, BRRRR, bridge, new-construction, conventional investor. Delmar Mortgage originates directly, with no broker in the loan.
No SEC filing establishes a corporate-ownership relationship for Delmar Mortgage— the ordinary case for a privately held company with no public debt or equity outstanding, not a sign of anything irregular. Its published lending figures were last checked against a source it published on Oct 1, 2026.
Published facts
States covered
42
Channel
Direct
Verification record
Reviewed Oct 1, 2026
⬜ No SEC filing to check against — Delmar Mortgage is privately held and files nothing with the SEC under its own name, or no filing naming it was found. This is the expected, normal case for the large majority of lenders on this site, not a red flag.
Privately held retail mortgage banker; no SEC registrant found. Company identity, NMLS #30998 and 42-state licensing were read from the company's own licenses page on 1 Oct 2026.
✅ Published criteria verified — Oct 1, 2026.
⬜ Regulatory complaint check — not yet run.
What Delmar Mortgage has not published
Publishing lending criteria is optional, and plenty of good lenders choose not to put every figure in writing — so read this as a list of what to ask Delmar Mortgage about, not as a criticism. Of the 11 criteria categories this directory tracks, Delmar Mortgage has not published 9:
- Minimum credit score (22 of 38 lenders here publish it)
- Minimum DSCR (18 of 38 lenders here publish it)
- Maximum leverage (LTV / LTC) (33 of 38 lenders here publish it)
- Loan size range (31 of 38 lenders here publish it)
- Rate range (22 of 38 lenders here publish it)
- Points range (21 of 38 lenders here publish it)
- Entity / vesting requirement (3 of 38 lenders here publish it)
- Loan terms (21 of 38 lenders here publish it)
- Typical close time (21 of 38 lenders here publish it)
Products
- rental DSCR — a 30-year rental loan qualified on the property's own rent-to-payment ratio rather than the borrower's tax returns See the glossary entry.
- fix-and-flip — short-term financing for a purchase-renovate-resell project, sized against the finished value rather than the purchase price alone See the glossary entry.
- BRRRR — financing built for the buy-rehab-rent-refinance-repeat cycle — a short-term acquisition/rehab loan meant to be followed by a refinance into a long-term rental loan
- bridge — short-term financing meant to be replaced by a permanent loan once a condition — renovation, lease-up, sale — is met
- new-construction — financing for a ground-up build rather than a renovation of an existing structure
- conventional investor — a product listed on file without further published detail.
Strengths
- Licensed in 42 states — among the widest footprints in this directory
- Both agency and investor lending under one roof: conventional, FHA, VA and jumbo alongside DSCR, bridge and fix-and-flip
- Direct lender, originating since 1966 — the longest operating history in this directory
- NMLS #30998
Who this lender suits
An investor who wants one lender for both routes — an agency loan where personal income documents cleanly, and a DSCR or bridge loan where it does not — without moving the file to a second shop.
Deal scenarios Delmar Mortgage clears
Delmar Mortgage does not clear the numeric threshold on any of the 119 deal scenarios this site tests, at least not from what it has published on record . That is a statement about what Delmar Mortgage has put in writing, not about whether a deal with it is financeable — the only way to find out is to ask.
How Delmar Mortgage compares
Delmar Mortgage is not among the 9 lenders this site runs head-to-head comparison pages for — that roster is chosen by brand-name search volume in Search Console, not by hand-picking who looks good next to whom. The full directory lets you set Delmar Mortgage's published figures side by side with any other lender's profile directly. Open the directory.