A&D Mortgage in U.S. Virgin Islands vs the state
8.1%Denial rate+1.76 pts vs state
10.9%Decision denial rate+2.83 pts vs state
65.1%Origination rate-0.84 pts vs state
6.88%Median rate-0.25 pts vs state
0.43Rate spread (pts)-0.16 pts vs state
$162kMedian applicant income
56Loans originated
7Denied
What A&D Mortgage lends in U.S. Virgin Islands
By loan purpose
By loan type
Why it denied U.S. Virgin Islands applicants
Where in U.S. Virgin Islands
Counties with the most A&D Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| St. Thomas Island | 40 | 25 | 2 | 5.0% |
| St. Croix Island | 37 | 26 | 4 | 10.8% |
| St. John Island | 9 | 5 | 1 | 11.1% |
Other large lenders in U.S. Virgin Islands
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Pike Creek Mortgage Services | B | 113 | 2.7% | 7.25% |
| Sun West Mortgage Company | B | 69 | 5.8% | 6.88% |
| CMG Mortgage | A | 32 | 12.5% | 6.81% |
| Siwell | – | 25 | 4.0% | 8.00% |
Frequently asked questions
U.S. Virgin Islands: 86 applications in 2025, of which 56 were originated and 7 denied.
8.1% of all applications, or 10.9% of the applications it actually decided on. The U.S. Virgin Islands statewide average across all lenders was 6.4%.
The median rate on loans A&D Mortgage originated in U.S. Virgin Islands in 2025 was 6.88%, against a statewide median of 7.13%.
About this data. Figures are A&D Mortgage's own HMDA filing for properties located in U.S. Virgin Islands, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology