Largest lenders in San Juan County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Primary Residential Mortgage | C | 40 | 31 | 7.5% | 6.38% |
| 2 | Vanderbilt Mortgage and Finance | F | 34 | 4 | 47.1% | 10.00% |
| 3 | Rocket Mortgage | C | 30 | 18 | 30.0% | 6.38% |
| 4 | Zions Bancorporation | B | 27 | 13 | 29.6% | 6.49% |
| 5 | Mountain America Federal Credit Union | D | 25 | 8 | 44.0% | 6.06% |
| 6 | 21st Mortgage | F | 13 | 3 | 61.5% | 12.21% |
| 7 | United Shore Financial Services | B | 10 | 7 | 20.0% | 5.74% |
| 8 | Guild Mortgage | A | 9 | 6 | 11.1% | 6.56% |
| 9 | Lakeview Loan Servicing | C | 8 | 1 | 75.0% | 6.88% |
| 10 | Broker Solutions | D | 8 | 3 | 0.0% | 6.25% |
| 11 | Pennymac Loan Services | C | 7 | 3 | 0.0% | 6.50% |
| 12 | Credit Human Federal Credit Union | D | 6 | 1 | 83.3% | 8.50% |
| 13 | Mortgage Research Center | C | 6 | 2 | 16.7% | 5.88% |
| 14 | Freedom Mortgage | B | 5 | 3 | 20.0% | 5.75% |
| 15 | AMERICA FIRST Federal Credit Union | C | 5 | 2 | 40.0% | 8.37% |
What San Juan County borrowers applied for
By loan purpose
By loan type
Why applications were denied
San Juan County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 304 | 158 | 21.4% | 6.99% | $175,000 |
| 2024 | 294 | 154 | 26.2% | 6.99% | $195,000 |
| 2025 | 321 | 146 | 29.6% | 6.63% | $185,000 |
Frequently asked questions
29.6% of applications in San Juan County were denied in 2025, against 16.0% statewide in Utah.
Primary Residential Mortgage, with 40 applications in 2025 and a denial rate of 7.5%.
The median mortgage application in San Juan County in 2025 was for $185,000; the median property value on originated loans was $375,000.