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MARKET BENCHMARKS · HMDA PUBLIC DATA

U.S. Virgin Islands mortgage market benchmarks

U.S. Virgin Islands origination trends 2018–2025 from HMDA public data: volume, denial rates, and purchase vs refinance mix. Free and open — no account required.

Originations 2025

217

+502.8% vs 2024

2024: 36

Volume 2025

$114.4M

originated $
2024: $15.4M

Denial rate 2025

6.4%

denied / actioned
2024: 12.3% denied / actioned

Reporting lenders 2025

9

HMDA reporters
2024: 12 reporters

Origination volume by year

Dollar volume of originated loans

$ VOLUME · HOVER FOR UNITS
$0$50M$100M$150M$200M20182019202020212022202320242025$114.4M

Loan purpose mix

Share of 2025 originations

Denial rate by year

Denials / actioned applications (CFPB convention)

0.0%38.3%76.7%201820192020202120222023202420256.4%

U.S. Virgin Islands market by year

YEARLENDERSAPPLICATIONSORIGINATIONSVOLUMEDENIALPURCHASEREFI
20259340217$114.4M2025 origination volume217 loans originated6.4%2025 denial rate340 applications actioned87.1%23.0%
2024126836$15.4M2024 origination volume36 loans originated12.3%2024 denial rate68 applications actioned91.7%16.7%
2023106831$12.9M2023 origination volume31 loans originated12.3%2023 denial rate68 applications actioned93.5%12.9%
2022103317$4.7M2022 origination volume17 loans originated18.2%2022 denial rate33 applications actioned88.2%17.6%
2021118141$19.6M2021 origination volume41 loans originated12.5%2021 denial rate81 applications actioned68.3%43.9%
2020511769$19.6M2020 origination volume69 loans originated5.1%2020 denial rate117 applications actioned81.2%29.0%
2019330—2019 origination volume0 loans originated66.7%2019 denial rate3 applications actioned——
201864338$8.5M2018 origination volume38 loans originated4.7%2018 denial rate43 applications actioned84.2%26.3%

Attribution & methodology. Benchmarks are computed by MortRadar from Home Mortgage Disclosure Act (HMDA) public data files published by the Consumer Financial Protection Bureau (CFPB) and the Federal Financial Institutions Examination Council (FFIEC), covering activity years 2018–2025. Originations = loans originated (action taken 1); denial rate = denials / actioned applications (CFPB Data Browser convention); loan amounts are the public files' midpoint-rounded values. MortRadar's aggregations are derived works and are not published, reviewed, or endorsed by the CFPB, FFIEC, or any government agency. See data attribution and the disclaimer.

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