VI · Statewide HMDA 2024
U.S. Virgin Islands mortgage lending
According to the CFPB HMDA 2024 Snapshot, 5 reporting lenders · 3 counties.
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.
Reported application outcomes
68 reported applications
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.
Top lenders by originations · U.S. Virgin Islands
Funded loans among HMDA-reporting institutions active in this state.
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
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
Top counties by originations · U.S. Virgin Islands
In-state county volume from the same HMDA county board linked below.
How U.S. Virgin Islands compares. Its 11.8% denial rate - 5.4pp below the national 17.2% baseline. The volume-rank and share figures above don't carry that national comparison. 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% |
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 |
Every county in U.S. Virgin Islands, by lending volume
County totals sum the filings geocoded to that county, so they reconcile to the state row above rather than to any single lender's book.
| County | Applications | Originated | Denial Rate | Avg Loan |
|---|---|---|---|---|
| St. Croix Island | 30 | 18 | 6.7% | $307,333 |
| St. Thomas Island | 26 | 14 | 15.4% | $346,538 |
| St. John Island | 5 | 3 | 0.0% | $851,000 |
Frequently Asked Questions
How many mortgage applications were filed in U.S. Virgin Islands?
Where does U.S. Virgin Islands sit among U.S. states for mortgage volume?
What is the mortgage denial rate in U.S. Virgin Islands?
What is the average mortgage loan amount in U.S. Virgin Islands?
How many mortgage lenders operate in U.S. Virgin Islands?
Which counties in U.S. Virgin Islands have the most mortgage activity?
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For U.S. Virgin Islands, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- state geography follows U.S. Census Bureau standards; demographic data reflects derived categories as reported by applicants. 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.