Virgin Islands Mortgage Lending in 2025
Explore residential mortgage lending activity in Virgin Islands using official HMDA public records. Review underwriting credit decisions, borrower demographics, regional metro markets, and the most active lenders.
Credit Decision Outcomes (2025)
Outcomes for 151 actionable applications (Actions 1, 2, and 3).
How Virgin Islands Compares
Key metrics: Virgin Islands vs. U.S. (2025)
| Metric | Virgin Islands | U.S. |
|---|---|---|
| Actionable Apps | 151 | 5,197,320 |
| Approval Rate | 90.73% | 82.12% |
| Denial Rate | 9.27% | 17.88% |
| Originations | 122 | 4,052,301 |
| Originated Volume | $63.65 Million | $1.58 Trillion |
| Median Loan | $465,000 | $325,000 |
Lending Trends in Virgin Islands
Year-over-year shifts: 2025 vs. 2024
| Metric | 2024 | 2025 | Change |
|---|---|---|---|
| Consumer Universe | 38 | 190 | +400.00% |
| Actionable Apps | 25 | 151 | +504.00% |
| Originations | 20 | 122 | +510.00% |
| Approval Rate | 80.00% | 90.73% | +10.73 pp |
| Denial Rate | 20.00% | 9.27% | -10.73 pp |
| Median Loan | $325,000 | $465,000 | +43.08% |
| Dollar Volume | $8.01 Million | $63.65 Million | +694.63% |
Applications by Borrower Income (Virgin Islands)
Approval and denial rates across gross annual income tiers (2025)
| Income Bracket | Apps | Approval % | Denial % |
|---|---|---|---|
| $100k–$149,999 | 47 | 93.62% | 6.38% |
| $150k+ | 76 | 93.42% | 6.58% |
| $50k–$99,999 | 22 | 90.91% | 9.09% |
| <$50k | 6 | 33.33% | 66.67% |
Metropolitan Areas in Virgin Islands
Top metropolitan areas ranked by total actionable applications
| Metropolitan Area | Apps | Originations | Approval % |
|---|
Top Mortgage Lenders by Action 1 Originations
Institutions ranked strictly by total originated loans in Virgin Islands (2025)
| Rank | Lending Institution | Originations | Approval % |
|---|---|---|---|
| 1 | PIKE CREEK MORTGAGE SERVICES, INC. | 36 | 94.74% |
| 2 | SUN WEST MORTGAGE COMPANY, INC | 32 | 95.35% |
| 3 | A&D MORTGAGE LLC | 31 | 82.05% |
| 4 | Siwell, Inc., dba Capital Mortgage Services of Tex | 12 | 100.00% |
| 5 | CMG MORTGAGE INC | 11 | 87.50% |
| 6 | NORTHPOINT MORTGAGE, INC. | 0 | N/A |
| 7 | QUORUM FEDERAL CREDIT UNION | 0 | 0.00% |
Methodology
Learn how HMDA credit outcomes, action codes, and consumer filters are computed.
Read Methodology →State Directory
Compare mortgage lending patterns and approval rates across the 54 reporting states and territories.
View State Directory →Download Data
Export official Virgin Islands mortgage data for research, journalism, or analysis.