Finance Atlas

Banking & Mortgage-Lending Access in U.S. Virgin Islands

7 FDIC-insured institutions (1 currently active) are recorded in U.S. Virgin Islands in FDIC BankFind. HMDA 2024 data report an overall mortgage application denial rate of 18.2% in U.S. Virgin Islands.

FDIC data as of 2026 · HMDA data year 2024 · Last export: June 20, 2026

7
FDIC institutions (total)
1
Currently active
18.2%
Overall denial rate (HMDA 2024)
36
Loans originated (2024)
This page is a reference catalog of provenanced public data. It informs and compares; it does not recommend lenders and gives no financial advice. HMDA denial-rate figures are reported statistics and do not establish why rates differ across applicant groups. To verify a lender's FDIC status, use FDIC BankFind. To file a complaint, visit the CFPB. To find a HUD-approved housing counselor: HUD.gov.

How many FDIC-insured institutions are in U.S. Virgin Islands?

FDIC BankFind records 7 FDIC-insured institutions (all historical) in U.S. Virgin Islands, of which 1 are currently active. Counts include banks, savings banks, and other insured depository institutions across all charter classes.

Metric Count
Total FDIC-insured institutions (historical) 7
Currently active 1

Source: FDIC BankFind (src:fdic:bankfind:2026). Verify: https://banks.data.fdic.gov/

What types of banks are chartered in U.S. Virgin Islands?

FDIC uses charter class codes to categorize insured depository institutions. The breakdown for U.S. Virgin Islands:

Charter class Description Count
NM State non-member bank (Fed non-member) 4
N National bank (OCC-chartered) 2
SB Savings bank (state-chartered) 1

Source: FDIC BankFind (src:fdic:bankfind:2026). Charter class labels per FDIC BankFind official definitions.

What was the mortgage application denial rate in U.S. Virgin Islands? (HMDA 2024)

HMDA 2024 data report an overall mortgage application denial rate of 18.2% in U.S. Virgin Islands. The table below shows reported denial rates by applicant race where available in the HMDA dataset.

Methodology note: HMDA captures race where the applicant chose to report it. Denial rates reflect all recorded denial reasons (credit history, DTI, collateral, etc.) and do not establish why rates differ across groups. These figures are descriptive FFIEC statistics, not findings of lending discrimination.
Applicant group (reported) Denial rate
Overall 18.2%
White applicants 13.8%
Black applicants 42.9%
Black/White denial rate ratio 3.11x

Source: FFIEC HMDA (src:ffiec:hmda:2024). Verify: https://ffiec.cfpb.gov/data-browser/data/2024?category=states&items=VI

Mortgage origination volume in U.S. Virgin Islands (2024)

HMDA 2024 data record 36 originated mortgage loans in U.S. Virgin Islands , totaling $15.4M , with an average loan size of $427,778.

Metric Value
Originated loans (2024) 36
Total origination volume $15.4M
Average loan size $427,778

Source: FFIEC HMDA (src:ffiec:hmda:2024).

Sources & provenance

FDIC data — source id src:fdic:bankfind:2026, as of 2026. Verify via FDIC BankFind: https://banks.data.fdic.gov/

HMDA data — source id src:ffiec:hmda:2024, data year 2024. Verify via FFIEC Data Browser: https://ffiec.cfpb.gov/data-browser/data/2024?category=states&items=VI

Data exported June 20, 2026 · content hash 3b27e0d0002835e1 · machine-readable brief: /finance/states/vi/context.md

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