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Mortgage Lending in U.S. Virgin Islands, 2025
Home loan applications, approvals and denials (HMDA)
- Applications, 2025
- 329
- Loans made
- 217
- $114M in total
- Denial rate
- 8.1%
- Of applications with a decision
- Average loan
- $527,000
- Loans made
By loan purpose
Applications in 2025 by what the loan was for
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| Purpose | Applications | Loans made | Denial rate | Average loan |
|---|---|---|---|---|
| Home purchase | 272 | 189 | 4.6% | $526,000 |
| Home improvement | 1 | 0 | Not shown | Not shown |
| Refinance | 9 | 6 | Not shown | Not shown |
| Cash-out refinance | 47 | 22 | 28.6% | $530,000 |
| Other purpose | 0 | 0 | Not shown | Not shown |
By loan type
Conventional loans and government-backed loans
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| Loan type | Applications | Loans made | Denial rate | Average loan |
|---|---|---|---|---|
| Conventional | 277 | 185 | 7.4% | $524,000 |
| FHA | 22 | 11 | Not shown | $574,000 |
| VA | 30 | 21 | 7.1% | $531,000 |
| USDA (RHS or FSA) | 0 | 0 | Not shown | Not shown |
Mortgage lending by county
Applications and loans made in 2025
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| County | Applications | Loans made | Denial rate | Average loan |
|---|---|---|---|---|
| St. Croix Island | 148 | 90 | 8.0% | $395,000 |
| St. John Island | 40 | 31 | 8.6% | $857,000 |
| St. Thomas Island | 141 | 96 | 8.1% | $545,000 |
Lenders with the most HMDA records in U.S. Virgin Islands
9 lenders reported. Counts include every application outcome and loans bought from other lenders.
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| # | Lender | Records |
|---|---|---|
| 1 | Pike Creek Mortgage Services, Inc. | 123 |
| 2 | A&D Mortgage LLC | 86 |
| 3 | Sun West Mortgage Company, Inc. | 69 |
| 4 | CMG Mortgage, Inc. | 33 |
| 5 | Siwell, Inc. | 25 |
| 6 | Network Capital Funding Corporation | 1 |
| 7 | Northpoint Mortgage, Inc. | 1 |
| 8 | Pentagon Federal Credit Union | 1 |
| 9 | Quorum Federal Credit Union | 1 |
Frequently asked questions
- What is HMDA data?
- Under the Home Mortgage Disclosure Act, most mortgage lenders report every home loan application they receive and what happened to it. The data covers purchases, refinances and home improvement loans. DatenUS shows totals for each area only, not individual applications.
- How is the denial rate calculated?
- The denial rate is the number of denied applications divided by applications that reached a decision: loans made, applications approved but not accepted, and denied applications. Withdrawn and incomplete applications are left out. Rates are not shown when fewer than 20 applications reached a decision.
Source: Consumer Financial Protection Bureau and FFIEC, HMDA Data Browser · 2025 data