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Pike Creek Mortgage Services

Independent Mortgage Company•Wilmington, DEHQ•Direct•Reviews near you on Google

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.

Safe Rate 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
Safe Rate Awards
Conventional Superstar
Conventional
Superstar
FHA Superstar
FHA
Superstar
Purchase Superstar
Purchase
Superstar

Safe Rate 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
Pull Through
Closing strength
Exceptional
Top 20% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Strong
Top 40% of lenders
VA
Strong
Top 40% of lenders
Jumbo
Sound
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 6 markets
Strong
Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Strong
Pricing
Acceptable
Pull Through
Exceptional
Volume791
Mix68.5%
Spread
+0.307%Above
Fees
$3,677Fees
FHA Loans
Overall
Strong
Product
Strong
Pricing
Sound
Pull Through
Exceptional
Volume300
Mix26.0%
Spread
+0.377%Above
Fees
$3,687Fees
VA Loans
Overall
Sound
Product
Strong
Pricing
Mediocre
Pull Through
Strong
Volume47
Mix4.1%
Spread
-0.299%Below
Fees
$4,787Fees
Jumbo Loans
Overall
Sound
Product
Sound
Pricing—
Pull Through—
Volume13
Mix1.1%
Spread
+0.285%Above
Fees
$2,508Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Strong
Pricing
Acceptable
Pull Through
Exceptional
Volume1,086
Mix94.0%
Spread
+0.308%Above
Fees
$3,708Fees
Refinance
Overall
Sound
Product
Strong
Pricing
Acceptable
Pull Through
Exceptional
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

10
10 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Northeast2
NJPA
South8
ALDEFLMDSCTNTXVA

Top Metro Areas by Place Specialization Score

1© Bjoertvedt · CC BY-SA 4.0
Wilmington, DEMetro
Volume 713Mix 61.73% of portfolio
100/100
Exceptional
2© w_lemay · CC BY-SA 2.0
Dover, DEMetro
Volume 163Mix 14.11% of portfolio
100/100
Exceptional
3© Dough4872 · Public domain
Montgomery County, PAMetro
Volume 76Mix 6.58% of portfolio
69/100
Strong
4© 颐园居 · CC BY-SA 4.0
Philadelphia, PAMetro
Volume 33Mix 2.86% of portfolio
56/100
Sound
5© Gary Miotla · CC BY 3.0
Camden, NJMetro
Volume 13Mix 1.13% of portfolio
43/100
Sound

Top States by Place Specialization Score

Delaware
Delaware
1
DelawareState
Volume 927Mix 80.26% of portfolio
100/100
Exceptional
Pennsylvania
Pennsylvania
2
PennsylvaniaState
Volume 121Mix 10.48% of portfolio
64/100
Strong
Maryland
Maryland
3
MarylandState
Volume 61Mix 5.28% of portfolio
58/100
Sound
New Jersey
New Jersey
4
New JerseyState
Volume 15Mix 1.30% of portfolio
41/100
Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 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.