Pike Creek Mortgage Services in U.S. Virgin Islands vs the state
2.7%Denial rate-3.73 pts vs state
3.5%Decision denial rate-4.66 pts vs state
74.3%Origination rate+8.38 pts vs state
7.25%Median rate+0.13 pts vs state
0.85Rate spread (pts)+0.26 pts vs state
$212kMedian applicant income
84Loans originated
3Denied
Trend in U.S. Virgin Islands
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 13 | 9 | 7.7% | 7.50% | #2 |
| 2024 | 21 | 17 | 9.5% | 7.63% | #2 |
| 2025 | 113 | 84 | 2.7% | 7.25% | #1 |
What Pike Creek Mortgage Services 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 Pike Creek Mortgage Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| St. Thomas Island | 57 | 44 | 2 | 3.5% |
| St. Croix Island | 33 | 18 | 1 | 3.0% |
| St. John Island | 23 | 22 | 0 | 0.0% |
Other large lenders in U.S. Virgin Islands
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| A&D Mortgage | C | 86 | 8.1% | 6.88% |
| 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: 113 applications in 2025, of which 84 were originated and 3 denied.
2.7% of all applications, or 3.5% 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 Pike Creek Mortgage Services originated in U.S. Virgin Islands in 2025 was 7.25%, against a statewide median of 7.13%.
About this data. Figures are Pike Creek Mortgage Services'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