Purchase Originations
2,246
Ranked #203 nationally
Median Total Costs
$7,768
+16.3% vs national ($6,680)
↓ $1,074 vs prior year
Median Rate
6.375%
−1.8% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$2,595
Median Lender Credits
$408
Cost Rank (500+ vol.)
#427
among lenders with 500+ originations
Denial Rate
3.2%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 1,391 | 6.500% | $6,565 | $2,820 |
| fha | 627 | 6.125% | $10,581 | $2,265 |
| va | 173 | 6.125% | $8,473 | $2,335 |
| usda | 55 | 6.250% | $6,048 | $1,799 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Delaware | 958 | 6.375% | $8,100 | #1 |
| Kentucky | 237 | 6.500% | $6,711 | #46 |
| Texas | 225 | 6.250% | $8,744 | #189 |
| Pennsylvania | 105 | 6.490% | $7,880 | #157 |
| New York | 104 | 6.500% | $8,243 | #122 |
| Indiana | 83 | 6.250% | $5,115 | #139 |
| Colorado | 69 | 6.250% | $4,989 | #135 |
| Maryland | 55 | 6.490% | $7,272 | #131 |
| South Carolina | 55 | 6.000% | $9,659 | #157 |
| North Carolina | 49 | 6.500% | $11,140 | — |
| California | 46 | 6.490% | $7,966 | — |
| Florida | 46 | 6.312% | $10,279 | — |
| Virginia | 34 | 6.250% | $6,777 | — |
| VI | 34 | 6.995% | $10,987 | — |
| New Jersey | 29 | 6.375% | $9,648 | — |
| Illinois | 24 | 6.562% | $6,698 | — |
| Ohio | 20 | 6.125% | $5,556 | — |
| Alabama | 16 | 5.812% | $6,843 | — |
| North Dakota | 16 | 5.995% | $4,839 | — |
| Louisiana | 10 | 6.120% | $5,893 | — |
| Tennessee | 8 | 6.625% | $4,985 | — |
| Washington | 7 | 6.375% | $5,043 | — |
| Michigan | 6 | 6.438% | $7,864 | — |
| Minnesota | 4 | 6.250% | $6,289 | — |
| Georgia | 3 | 6.500% | $5,853 | — |
| Arizona | 2 | 6.125% | $6,611 | — |
| District of Columbia | 1 | 8.125% | $6,410 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,320 | 6.500% | — | 18 | −$4,448 | |
| 2 | $4,525 | 6.625% | — | 100 | −$3,243 | |
| 3 | $5,852 | 6.495% | — | 20 | −$1,916 | |
| 4 | $5,933 | 6.250% | — | 37 | −$1,835 | |
| 5 | $6,624 | 6.125% | — | 49 | −$1,144 | |
| 6 | $6,715 | 6.125% | — | 15 | −$1,053 | |
| 7 | $7,019 | 6.125% | — | 22 | −$749 | |
| 8 | $7,249 | 6.433% | — | 66 | −$519 | |
| 9 | $7,404 | 6.625% | — | 23 | −$364 | |
| 10 | $7,653 | 6.375% | — | 721 | −$115 | |
| 11 | $7,782 | 6.495% | — | 32 | +$14 | |
| 12 | $7,800 | 6.500% | — | 54 | +$32 | |
| 13 | $8,202 | 6.375% | — | 23 | +$434 | |
| 14 | $9,028 | 6.188% | — | 34 | +$1,260 | |
| 15 | $9,093 | 6.125% | — | 21 | +$1,325 | |
| 16 | $9,466 | 7.250% | — | 19 | +$1,698 | |
| 17 | $9,723 | 6.250% | — | 22 | +$1,955 | |
| 18 | $10,641 | 6.250% | — | 171 | +$2,873 | |
| 19 | $12,055 | 6.500% | — | 15 | +$4,287 | |
| 20 | $16,367 | 6.500% | — | 14 | +$8,599 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Pike Creek Mortgage Services, Inc. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $315,000 | $335,000 | −$20,000 (−6.0%) |
| Median total closing costs | $7,768 | $7,127 | +$641 (+9.0%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.