Largest mortgage lenders in U.S. Virgin Islands
By applications received in 2025. Grade is the lender's national grade.
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Pike Creek Mortgage Services | B | 113 | 84 | 2.7% | 7.25% |
| 2 | A&D Mortgage | C | 86 | 56 | 8.1% | 6.88% |
| 3 | Sun West Mortgage Company | B | 69 | 45 | 5.8% | 6.88% |
| 4 | CMG Mortgage | A | 32 | 18 | 12.5% | 6.81% |
| 5 | Siwell | – | 25 | 14 | 4.0% | 8.00% |
What U.S. Virgin Islands borrowers applied for
By loan purpose
By loan type
Denial rate by applicant income
Why U.S. Virgin Islands applications were denied
U.S. Virgin Islands mortgage market by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan | Lenders |
|---|---|---|---|---|---|---|
| 2023 | 65 | 31 | 12.3% | 8.00% | $295,000 | 10 |
| 2024 | 65 | 36 | 12.3% | 7.88% | $305,000 | 12 |
| 2025 | 329 | 217 | 6.4% | 7.13% | $425,000 | 9 |
Frequently asked questions
6.4% of mortgage applications in U.S. Virgin Islands were denied in 2025 (8.1% of applications that reached a decision). Nationally the rate was 18.0%.
Pike Creek Mortgage Services handled the most applications in U.S. Virgin Islands in 2025: 113, with a denial rate of 2.7%.
Not enough volume to say.
The median interest rate on loans originated in U.S. Virgin Islands in 2025 was 7.13%. That is the rate borrowers actually received, reported by lenders under HMDA, not an advertised rate.