Home and property
Banks, credit unions and mortgage companies lend for homes, condos and land in the territory, and some mainland lenders also lend here. The Consumer Financial Protection Bureau explains that a lender must give you a Loan Estimate within three business days of your application and a Closing Disclosure at least three business days before closing, so you can compare offers line by line. Ask about down payments for each property type, whether they lend on land, and how insurance requirements affect approval. Each listing shows when we last verified it.
Area photoLast verified October 28, 2026
FirstBank operates a branch network in the U.S. Virgin Islands, and its locator lists three St. Thomas branches: FirstBank Plaza in Estate Charlotte Amalie, the Waterfront branch on Curacao Gade and the Port…
Long Bay, Charlotte Amalie, St. Thomas. Photo: Prayitno, CC BY 2.0
Area photoLast verified October 29, 2026
Leeward Island Mortgage has an office at American Yacht Harbor in Red Hook, St. Thomas. Its website states that it is a mortgage broker only, not a mortgage or correspondent lender, which means it arranges…
Coki Point, St. Thomas. Photo: Gruepig, CC BY-SA 3.0
Area photoLast verified October 28, 2026
Merchants Commercial Bank is an FDIC-insured bank with its St. Thomas office at Tutu Park Mall, Suite 100, and a second office in Cruz Bay on St. John.
Frenchtown, St. Thomas. Photo: LittleT889, CC BY 4.0
Area photoLast verified October 28, 2026
Oriental Bank serves the U.S. Virgin Islands through a USVI section of its website, and its branch locator shows one branch on St.
Long Bay, Charlotte Amalie, St. Thomas. Photo: Prayitno, CC BY 2.0
Area photoLast verified October 28, 2026
FirstBank's USVI branch locator lists three branches on St. Croix: Sunny Isle Shopping Center, Orange Grove in Christiansted, and #6A Strand Street in Frederiksted, with ATMs at Henry E.
Sion Farm, St. Croix. Photo: Jack Boucher, Historic American Buildings Survey (Library of Congress), Public domain
Area photoLast verified October 28, 2026
On St. Croix, Oriental Bank's branch locator shows the Sunny Isle I branch at 4500 Estate Diamond in Christiansted, which also has a live teller listing. The full St.
Christiansted, St. Croix. Photo: Jason P. Heym, CC BY-SA 3.0
Area photoLast verified October 28, 2026
United Fidelity Bank, fsb, an FDIC-insured bank headquartered in Evansville, Indiana, runs two banking centers on St. Croix.
Point Udall, East End, St. Croix. Photo: Dartrider, CC BY-SA 4.0
Area photoLast verified October 28, 2026
FirstBank's only St. John branch in its USVI locator is the MarketPlace Branch, Unit #106 at 5000 Estate Enighed in Cruz Bay.
Cruz Bay, St. John. Photo: anoldent, CC BY-SA 2.0
Area photoLast verified October 28, 2026
Merchants Commercial Bank keeps a St. John office in the Islandia Building in Cruz Bay, at 18-23 Estate Enighed, alongside its main office at Tutu Park Mall on St. Thomas.
Area photoLast verified October 28, 2026
Pike Creek Mortgage Services is a Delaware-headquartered mortgage lender that states it holds a Virgin Islands mortgage lender license, number VI-MLC-130829, regulated by the Division of Banking and Insurance…
St. Thomas. Photo: Sunil Pereira, CC BY-SA 3.0
Area photoLast verified October 28, 2026
Schaffer Mortgage Corporation is a mortgage company whose website says it was established in 2002 to serve Florida and the U.S. Virgin Islands.
Christiansted, St. Croix. Photo: Jason P. Heym, CC BY-SA 3.0
Buying, updated October 28, 2026
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