Applications / Mortgage Analytics / Lenders / Delaware / Pike Creek Mortgage Services
Newark, DE · Independent non-bank lender · CFPB · 2,898 loans in 2025
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2,898
loans originated, 2025
3,757
applications, 2025
28
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Pike Creek Mortgage Services more than doubled its lending in 2025, to 2,898 loans, and pushed into markets far from its Delaware base.
Its loans rose 137% in 2025. Similar lenders, meaning independent non-bank lenders making between half and twice as many loans, grew 11%, and the whole market 10%. Almost none of its peers grew faster. Even so, it remains below the 4,407 loans it made in 2020.
It lent in 28 states and 143 metros in 2025. It entered Abilene and Corpus Christi in Texas, and rural Kentucky, that year alone. In Abilene it already ranks 14 of 251 lenders.
Its home state is where it matters most. In Dover it ranks 4 of 274 lenders, and its share rose to 5.2% from 4.6% a year earlier. Around Philadelphia it ranks 24 of 784.
Its loans look much like its peers'. Purchases were 85.4% of them, and loans insured by the Federal Housing Administration made up 23.4%, against 23.0% at a typical similar lender. Its typical rate, 6.38%, was lower than at most of its peers, whose typical rate was 6.62%. On first-lien refinance applications for owner-occupied homes, it turned down 3.8%, against 5.8% at its peers.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Pike Creek Mortgage Services took 3,757 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 85.4% · Refinance 12.5% · Other 2.1%
Conventional 68.1% · FHA 23.4% · VA 6.5% · USDA (RHS or FSA) 1.9% · of 2,898 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Delaware | 1,176 | 40.6% |
| Kentucky | 273 | 9.4% |
| Texas | 273 | 9.4% |
| Pennsylvania | 136 | 4.7% |
| New York | 114 | 3.9% |
| Colorado | 105 | 3.6% |
| Indiana | 99 | 3.4% |
| U.S. Virgin Islands | 84 | 2.9% |
| Maryland | 83 | 2.9% |
| California | 75 | 2.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Wilmington | 929 |
| Louisville/Jefferson County | 237 |
| Dover | 191 |
| Montgomery County-Bucks County-Chester County | 79 |
| Abilene | 64 |
| Denver-Aurora-Centennial | 54 |
| New York-Jersey City-White Plains | 45 |
| Corpus Christi | 44 |
| Philadelphia | 38 |
| Greenville-Anderson-Greer | 36 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300XED7IBK9VVQH70 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 4534080 | 2013–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7510370645 |
Established date not on record. Reported under HMDA 2012-2025.
Mergers, name changes, data editions and corrections: Pike Creek Mortgage Services's data.
Pike Creek Mortgage Services's data
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Pike Creek Mortgage Services and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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