St. John Island
U.S. Virgin Islands · FIPS 78020
According to CFPB HMDA 2024 application volume among U.S. counties, St. John Island ranks #3,212 of 3,223, and #3 of 3 in U.S. Virgin Islands.
Mortgage lending activity in St. John Island, U.S. Virgin Islands based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this county during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Local mortgage market. St. John Island, U.S. Virgin Islands lenders denied 0 of the applications reported here, financing the rest at an average note rate of 7.54%, with applicants self-reporting average annual income of $29K. 1 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 29.3x, meaning typical borrowers took on mortgages of about 29.3 times their annual income. That ratio is a rough affordability signal: higher multiples imply tighter monthly budgets and greater exposure to rate or income shocks. See our methodology for how to read the denial rate against a local applicant pool. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in St. John Island
In St. John Island, lead originator Pike Creek Mortgage Services, Inc. funded 100.0% of 3 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 100.0% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to St. John Island's 5 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to St. John Island's $851,000 average loan (deduped against volume peers).
Lenders active in St. John Island
Pike Creek Mortgage Services, Inc. funded 3 of the 3 loans originated in St. John Island, 100.0% of the county. 1 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Pike Creek Mortgage Services, Inc. | 3 | 100.0% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For St. John Island, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- county FIPS codes follow U.S. Census Bureau standards. Not financial advice for St. John Island borrowers. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.