San Juan County
Colorado · FIPS 08111
According to CFPB HMDA 2024 application volume among U.S. counties, San Juan County ranks #3,045 of 3,210, and #61 of 64 in Colorado.
Mortgage lending activity in San Juan County, Colorado based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this county during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Local mortgage market. San Juan County, Colorado saw 46 HMDA-reported mortgage applications in 2024. Lenders originated 24 of those loans and denied 11, producing a denial rate of 23.9% and an approval (origination) rate of 52.2%. The average loan amount was $330,435 at an average note rate of 7.21%, with applicants self-reporting average annual income of $33K. 20 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 10.0x, meaning typical borrowers took on mortgages of about 10.0 times their annual income. That ratio is a rough affordability signal: higher multiples imply tighter monthly budgets and greater exposure to rate or income shocks. See our methodology for how to read the denial rate against a local applicant pool. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in San Juan County
In San Juan County, lead originator United Wholesale Mortgage funded only 8.3% of 24 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 25.0% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to San Juan County's 46 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to San Juan County's $330,435 average loan (deduped against volume peers).
Lenders active in San Juan County
United Wholesale Mortgage funded 2 of the 24 loans originated in San Juan County, 8.3% of the county. 20 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | United Wholesale Mortgage | 2 | 8.3% |
| 2 | Nationstar Mortgage | 2 | 8.3% |
| 3 | Loandepot.Com, LLC | 2 | 8.3% |
| 4 | Alpine Bank | 2 | 8.3% |
| 5 | Farm Credit Mid-America, Aca | 1 | 4.2% |
Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. County FIPS codes per U.S. Census Bureau standards.
Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Provided for informational purposes only; does not constitute financial advice for San Juan County borrowers.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This San Juan County page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.