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2024 data HMDA 2024 disclosure official source

San Juan County

671 mortgage applications, 21.2% denial rate. Verify FIPS 53055 with U.S. Census Bureau →

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Washington · FIPS 53055

Local mortgage market. San Juan County, Washington saw 671 HMDA-reported mortgage applications in 2024. Lenders originated 331 of those loans and denied 142, producing a denial rate of 21.2% and an approval (origination) rate of 49.3%. The average loan amount was $417,101 at an average note rate of 7.71%, with applicants self-reporting average annual income of $37K. 87 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 11.3x, meaning typical borrowers took on mortgages of about 11.3 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 53055 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

671
Applications
331
Originated
21.2%
Denial Rate
49.3%
Approval Rate
$417,101
Avg Loan Amount
7.71%
Avg Interest Rate
$37K
Avg Applicant Income
11.3x
Loan-to-Income Ratio

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 Banner Bank 41 12.4%
2 Movement Mortgage, LLC 28 8.5%
3 Rocket Mortgage 24 7.3%
4 Boeing Employees' Credit Union 21 6.3%
5 Washington Federal 15 4.5%
Compare Banner Bank vs Movement Mortgage, LLC →

Frequently Asked Questions

How many mortgage applications were filed in San Juan County?
In the 2024 HMDA reporting year, 671 mortgage applications were filed in San Juan County, Washington. Of these, 331 were originated (approved and funded), while 142 were denied, resulting in a denial rate of 21.2%.
What is the mortgage denial rate in San Juan County?
The mortgage denial rate in San Juan County is 21.2%. The approval (origination) rate is 49.3%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in San Juan County?
The average mortgage loan amount in San Juan County is $417,101. The average interest rate is 7.707%. The average applicant income is $37K.
What is the loan-to-income ratio in San Juan County?
The average loan-to-income ratio in San Juan County is 11.3x, meaning borrowers took on loans averaging 11.3 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in San Juan County?
The top mortgage lenders in San Juan County by origination volume are Banner Bank, Movement Mortgage, LLC, Rocket Mortgage. In total, 87 lenders reported mortgage activity in this county.
Where does this mortgage data come from?
This data comes from the CFPB HMDA 2024 Snapshot National Loan-Level Dataset, a mandatory federal disclosure dataset covering all mortgage applications filed with HMDA-reporting institutions. County boundaries are identified by FIPS codes.

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.