Pike Creek Mortgage Services, Inc.: 2025 mortgage rates, costs & approvals
How Pike Creek Mortgage Services, Inc. priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: PIKE CREEK MORTGAGE SERVICES, INC. · LEI 549300XED7IBK9VVQH70
In 2025, Pike Creek Mortgage Services, Inc. originated 2,522 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 26 states — 230th by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 6.50% (all lenders: 6.625%); its median rate spread was in line with the national median. Median conventional loan costs were $6,520, 17% higher than the national median ($5,570).
It denied 3.9% of completed home-purchase applications (all lenders: 8.5%).
How Pike Creek Mortgage Services, Inc. priced home-purchase loans
| Purchase loans, 2025 | Pike Creek Mortgage Services, Inc. | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.500% | 6.625% |
| 30-year fixed rate · FHA | 6.125% | 6.250% |
| 30-year fixed rate · VA | 6.125% | 6.125% |
| 15-year fixed rate · conventional | 5.875% | 5.875% |
| Rate spread vs. APOR · conventional | +0.14 pts | +0.13 pts |
| Total loan costs · conventional | $6,520 | $5,570 |
| Total loan costs · FHA | $10,580 | $11,310 |
| Total loan costs · VA | $8,450 | $6,490 |
| Origination charges (all types) | $2,590 | $1,860 |
| Borrowers paying discount points | 45.6% | 51.3% |
| Points paid, when paid (% of loan) | 0.74% | 0.87% |
| Borrowers receiving lender credits | 39.4% | 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 Pike Creek Mortgage Services, Inc. denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where Pike Creek Mortgage Services, Inc. lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| Delaware | 1,026 | 1,052 | 2.6% | 6.490% | $6,580 |
| Texas | 264 | 275 | 3.1% | 6.375% | $7,510 |
| Kentucky | 259 | 270 | 4.5% | 6.625% | $3,970 |
| Pennsylvania | 118 | 123 | 4.5% | 6.500% | $7,110 |
| New York | 113 | 136 | 15.6% | 6.500% | $9,460 |
| Indiana | 94 | 97 | 3.6% | 6.500% | $3,220 |
| Colorado | 91 | 93 | 0.0% | 6.375% | $4,900 |
| California | 70 | 73 | 2.1% | 6.625% | $7,080 |
| Maryland | 67 | 72 | 8.5% | 6.500% | $6,410 |
| South Carolina | 65 | 67 | 1.8% | 6.250% | $6,550 |
| North Carolina | 57 | 57 | 0.0% | 6.625% | $11,150 |
| Florida | 54 | 58 | 4.3% | 6.375% | $9,650 |
| Illinois | 41 | 45 | 14.3% | 6.625% | $6,520 |
| Virginia | 38 | 38 | 0.0% | — | — |
| New Jersey | 36 | 38 | 3.3% | 6.490% | $8,020 |
| Ohio | 27 | 28 | 4.8% | — | — |
| Alabama | 20 | 21 | — | — | — |
| North Dakota | 17 | 18 | — | — | — |
| Michigan | 16 | 16 | — | — | — |
| Louisiana | 15 | 16 | — | — | — |
| Minnesota | 12 | 12 | — | — | — |
| Tennessee | 8 | 8 | — | — | — |
| Washington | 8 | 8 | — | — | — |
| Georgia | 3 | 3 | — | — | — |
| Arizona | 2 | 2 | — | — | — |
| District of Columbia | 1 | 1 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Pike Creek Mortgage Services, Inc.'s page for that state.
Counties where Pike Creek Mortgage Services, Inc. is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Terrell County, TX | 3 | 1 | 20.0% |
| Coleman County, TX | 1 | 9 | 17.0% |
| New Castle County, DE | 1 | 778 | 10.8% |
| Concho County, TX | 12 | 1 | 6.3% |
| Whitley County, KY | 4 | 15 | 6.1% |
| Kent County, DE | 4 | 176 | 5.7% |
| Sargent County, ND | 13 | 1 | 5.0% |
| Bowman County, ND | 11 | 1 | 4.8% |
| Knox County, TX | 16 | 1 | 4.8% |
| Knox County, KY | 7 | 7 | 4.6% |
| Laurel County, KY | 7 | 23 | 4.4% |
| Magoffin County, KY | 17 | 1 | 3.7% |
| Cecil County, MD | 5 | 41 | 3.0% |
| Chemung County, NY | 10 | 20 | 2.6% |
| Haskell County, TX | 24 | 1 | 2.6% |
Check Pike Creek Mortgage Services, Inc. yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 549300XED7IBK9VVQH70.
- 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 Pike Creek Mortgage Services, Inc. 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