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VI · Statewide HMDA 2024

U.S. Virgin Islands mortgage lending

According to the CFPB HMDA 2024 Snapshot, 5 reporting lenders · 0 counties.

Top lenders ↓ All states

Volume rank is not origination-share rank

According to the CFPB HMDA 2024 Snapshot, U.S. Virgin Islands ranks #54 of 54 by application volume and sits below the 10,000-application origination-share board (68 applications). Volume rank is not origination-share rank.

n/a
Below 10,000-app share board
52.9%
Origination share
36
Originated
11.8%
Denial rate

According to the CFPB HMDA 2024 Snapshot. Origination share is originated divided by applications among states and territories with 10,000+ applications (the same floor as the national denial board). See /methodology#corpus-placement. Informational reporting, not mortgage advice.

CFPB HMDA state filing plate

State VI · U.S. Virgin Islands 11.8% denial

VOL-TRACE · DEN-QUIET · NEAR-PEER · ORIG-FLOOR · BOOK-FULL · LEAD-DOM

  • VOL-TRACE #54/54
  • DEN-QUIET 11.8%
  • NEAR-PEER Iowa
  • ORIG-FLOOR 52.9%
  • BOOK-FULL 5 lenders
  • LEAD-DOM 47% Pike Creek M

Photo-finish peer: Iowa · 12.1% denial (+0.3pp vs U.S. Virgin Islands)

2024 HMDA Snapshot state sheet, volume rank, denial band, origination share, and reporter book. Informational reporting only.

Denial-rate neighbourhood · U.S. Virgin Islands

Poles and nearest peers by statewide HMDA denial rate, not a full state roster.

Denial band
Hawaii · highest22.4%South Dakota · near12.6%Nebraska · near12.3%Iowa · near12.1%U.S. Virgin Islands · this s…11.8%North Dakota · near10.8%Guam · lowest7.6%

Top lenders by originations · U.S. Virgin Islands

Funded loans among HMDA-reporting institutions active in this state.

State market
1. Pike Creek Mortgage Servi…172. Siwell, Inc., dba Capital…153. Cmg Mortgage INC24. Badger Bank15. Calcon Mutual Mortgage LLC1

Where U.S. Virgin Islands sits by application volume

2024 CFPB HMDA states and territories, bucketed by mortgage applications filed

68 0th percentile higher than 0% of 54 states and territories

This state 0 1,200,000 states and territories, grouped by applications

Each bar is a 150,000-applications band. The dashed line and filled bar mark this state. Hover, tap, or focus a bar for its count and population share.

Source CFPB Home Mortgage Disclosure Act Snapshot National Loan-Level Dataset · 2024 reporting year

How to read this state sheet. U.S. Virgin Islands filed 68 HMDA-reported applications in 2024 (#54 of 54 by volume) with a 11.8% denial rate - 5.4pp below the national 17.2% baseline. Drill into counties and lenders before inferring market-wide underwriting from the statewide average. This page is informational data reporting, not financial, legal, or mortgage advice.

Nearby Lenders in U.S. Virgin Islands

Top HMDA-reporting lenders active in U.S. Virgin Islands. Compare any two side-by-side for rates, denial rates, and loan mix.

# Lender Originated Market Share
1 Pike Creek Mortgage Services, Inc. 17 47.2%
2 Siwell, Inc., dba Capital Mortgage Services of Tex 15 41.7%
3 Cmg Mortgage INC 2 5.6%
4 Badger Bank 1 2.8%
5 Calcon Mutual Mortgage LLC 1 2.8%
Compare Pike Creek Mortgage Services, Inc. vs Siwell, Inc., dba Capital Mortgage Services of Tex →

Reported outcomes by applicant race in U.S. Virgin Islands

CFPB derived race categories. HMDA carries no credit score, debt-to-income ratio or down payment, so a gap between these rows is an outcome difference and never, on its own, evidence of discrimination.

Race Applications Approval Rate Denial Rate
White 36 69.4% 11.1%sample too small to read
Black or African American 19 21.1% 15.8%sample too small to read
Joint 3 66.7% 0.0%sample too small to read

Frequently Asked Questions

How many mortgage applications were filed in U.S. Virgin Islands?
In the 2024 HMDA reporting year, 68 mortgage applications were filed in U.S. Virgin Islands. Of these, 36 were originated (approved and funded), while 8 were denied, resulting in a denial rate of 11.8%.
Where does U.S. Virgin Islands sit among U.S. states for mortgage volume?
According to CFPB HMDA 2024 application volume across U.S. states and territories, U.S. Virgin Islands ranks #54 of 54. It is below the 10,000-application origination-share board (68 applications). The /states hub sorts by application volume for this ranking basis. See /methodology#corpus-placement.
What is the mortgage denial rate in U.S. Virgin Islands?
The mortgage denial rate in U.S. Virgin Islands is 11.8%, meaning 11.8% of all applications were denied by lenders. The approval (origination) rate is 52.9%.
What is the average mortgage loan amount in U.S. Virgin Islands?
The average mortgage loan amount in U.S. Virgin Islands is $347,647. The average interest rate across all loan types is 7.613%.
How many mortgage lenders operate in U.S. Virgin Islands?
5 mortgage lenders reported HMDA data for U.S. Virgin Islands. These include banks, credit unions, and independent mortgage companies that filed lending activity for this state.

Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. State geography per U.S. Census Bureau standards.

Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Demographic data reflects derived categories as reported by applicants. Provided for informational purposes only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. 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.