Siwell in U.S. Virgin Islands vs the state
4.0%Denial rate-2.38 pts vs state
5.9%Decision denial rate-2.23 pts vs state
56.0%Origination rate-9.96 pts vs state
8.00%Median rate+0.88 pts vs state
1.64Rate spread (pts)+1.05 pts vs state
$117kMedian applicant income
14Loans originated
1Denied
Trend in U.S. Virgin Islands
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 42 | 20 | 2.4% | 8.13% | #1 |
| 2024 | 30 | 15 | 3.3% | 8.44% | #1 |
| 2025 | 25 | 14 | 4.0% | 8.00% | #5 |
What Siwell 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 Siwell applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| St. Croix Island | 22 | 13 | 1 | 4.5% |
| St. Thomas Island | 3 | 1 | 0 | 0.0% |
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% |
| 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% |
Frequently asked questions
U.S. Virgin Islands: 25 applications in 2025, of which 14 were originated and 1 denied.
4.0% of all applications, or 5.9% 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 Siwell originated in U.S. Virgin Islands in 2025 was 8.00%, against a statewide median of 7.13%.
About this data. Figures are Siwell'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