San Juan County
New Mexico · FIPS 35045
According to CFPB HMDA 2024 application volume among U.S. counties, San Juan County ranks #680 of 3,210, and #6 of 33 in New Mexico.
Mortgage lending activity in San Juan County, New Mexico 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, New Mexico saw 3,281 HMDA-reported mortgage applications in 2024. Lenders originated 1,431 of those loans and denied 762, producing a denial rate of 23.2% and an approval (origination) rate of 43.6%. The average loan amount was $182,617 at an average note rate of 6.95%, with applicants self-reporting average annual income of $38K. 126 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 4.8x, meaning typical borrowers took on mortgages of about 4.8 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 Guild Mortgage Company funded only 8.7% of 1,431 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 24.8% 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 3,281 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to San Juan County's $182,617 average loan (deduped against volume peers).
Lenders active in San Juan County
Guild Mortgage Company funded 125 of the 1,431 loans originated in San Juan County, 8.7% of the county. 126 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Guild Mortgage Company | 125 | 8.7% |
| 2 | Rocket Mortgage | 119 | 8.3% |
| 3 | Cornerstone Capital Bank, SSB | 111 | 7.8% |
| 4 | United Wholesale Mortgage | 101 | 7.1% |
| 5 | V.I.P. Mortgage, INC. | 95 | 6.6% |
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.