Pike Creek Mortgage Services
We analyzed every closed loan from Pike Creek Mortgage Services — 1.2k loans across 1k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Exceptional
5/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · Jumbo
Place
Strong
4/5
Multi-Region · 5 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
FHA
Superstar
Purchase
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA loans
Things to Think About
- Pricing may be below industry average
Explore another lender or local market
Report Card
Pike Creek Mortgage Services performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+31.0 bps above market avg
2/5
Pull Through
Closing strength
Exceptional
Top 20% of lenders
5/5
By Loan Product· Specialization by type
Conventional
791 loans · 0.31% above market
Strong
Top 40% of lenders
4/5
FHA
300 loans · 0.38% above market
Strong
Top 40% of lenders
4/5
VA
47 loans · 0.30% below market
Strong
Top 40% of lenders
4/5
Jumbo
13 loans · 0.28% above market
Sound
Top 60% of lenders
3/5
By Loan Purpose· Transaction purpose mix
Purchase
1,086 loans · 0.31% above market
Strong
Top 40% of lenders
4/5
Refinance
69 loans · 0.34% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 6 markets
Strong
Top 40% of lenders
4/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 791 | 68.5% | +0.307%Above | $3,677Fees | ||||
FHA Loans | 300 | 26.0% | +0.377%Above | $3,687Fees | ||||
VA Loans | 47 | 4.1% | -0.299%Below | $4,787Fees | ||||
Jumbo Loans | — | — | 13 | 1.1% | +0.285%Above | $2,508Fees |
Conventional
OverallStrong
ProductStrong
PricingAcceptable
Pull ThroughExceptional
Volume791
Mix68.5%
Spread
+0.307%Above
Fees
$3,677Fees
FHA Loans
OverallStrong
ProductStrong
PricingSound
Pull ThroughExceptional
Volume300
Mix26.0%
Spread
+0.377%Above
Fees
$3,687Fees
VA Loans
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume47
Mix4.1%
Spread
-0.299%Below
Fees
$4,787Fees
Jumbo Loans
OverallSound
ProductSound
Pricing—
Pull Through—
Volume13
Mix1.1%
Spread
+0.285%Above
Fees
$2,508Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,086 | 94.0% | +0.308%Above | $3,708Fees | ||||
Refinance | 69 | 6.0% | +0.342%Above | $3,550Fees |
Purchase
OverallStrong
ProductStrong
PricingAcceptable
Pull ThroughExceptional
Volume1,086
Mix94.0%
Spread
+0.308%Above
Fees
$3,708Fees
Refinance
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughExceptional
Volume69
Mix6.0%
Spread
+0.342%Above
Fees
$3,550Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,155
Applications
1,394
Volume
$379 million
Pricing & Closing
Avg Rate Spread
+0.310%
vs. market APOR
Avg Net Fees
$3,698
Origination − Credits
Pullthrough Rate
82.9%
Applications → Closed
Typical Borrower
Avg Loan Amount
$328,654
Avg Borrower Income
$130,961
Avg Property Value
$409,485
Geographic Coverage
Geographic Performance
Metro Areas
5
markets with activity
States Served
10
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
10Full-year 2024 · HMDALoans originated
< 2020–5050–100100+None
Northeast2
NJPA
South8
ALDEFLMDSCTNTXVA
Top Metro Areas by Place Specialization Score
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.