San Juan County
46 mortgage applications, 23.9% denial rate. Verify FIPS 08111 with U.S. Census Bureau →
Colorado · FIPS 08111
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.
FIPS 08111 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.
Nearby Lenders in San Juan County
Top HMDA-reporting lenders active in this county. Compare any two side-by-side for rates, denial rates, and loan mix.
| # | 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% |
Frequently Asked Questions
How many mortgage applications were filed in San Juan County?
What is the mortgage denial rate in San Juan County?
What is the average mortgage loan amount in San Juan County?
What is the loan-to-income ratio in San Juan County?
Who are the top mortgage lenders in San Juan County?
Where does this mortgage data come from?
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.
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 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.