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US » Utah » San Juan

Key Questions:

    1. How at risk is San Juan, Utah to the subprime mortgage crisis?
    1. Loans taken out by home owners in San Juan, Utah are within a +/- 10 percent band of the national average. That is to say, San Juan, Utah will likely be affected by the subprime mortgage crisis just like the average county in the US.
    2. How stretched will home owners in San Juan, Utah be in paying off their mortgage?
    1. Homeowners in San Juan, Utah borrowed an average of 1.68 times their annual income for their mortgage. This compares to 1.83 for all of the US. Based on the national average, there will be a normal risk that San Juan, Utah homeowners will default on their mortgage payments in the coming years.
    3. Who are the leading lenders in San Juan, Utah?
    1. The leading lenders, by market share, are Flagstar Bank, Zions First National Bank and Wells Fargo Bank, Na. Do you have the best rate possible? Get quotes from mortgage lenders.
    4. How likely are the owners of homes in San Juan, Utah to actually live in them?
    1. 92.6% of home owners in San Juan, Utah that applied for a mortgage in 2006 live in their homes versus owning them as an investment property. This compares to the national average of 89.0%.
2006 Mortgage Research San Juan Utah US
Total Applications 432 374,624 33,304,682
Average Loan $99.9k $158.2k $184.9k
Loan to Income Ratio 1.68 1.69 1.83
Subprime Loans 11.34% 11.34% 11.98%
Refinancing Loans 40.51% 43.04% 50.05%
Principal Dwellings 92.59% 86.68% 88.97%
Rejected Applications 17.13% 10.56% 12.36%

Nearby Counties:   Wayne, Grand, Emery, Garfield, Kane

Top Ten Lenders
# Name Share Apps
1 Flagstar Bank 12.96% 56
2 Zions First National Bank 12.04% 52
3 Wells Fargo Bank, Na 9.49% 41
4 Jpmorgan Chase Bank 6.25% 27
5 Countrywide Home Loans 5.56% 24
6 Citimortgage, Inc 2.08% 9
7 Us Bank, N.A. 1.85% 8
8 Argent Mortgage Company 1.85% 8
9 Wells Fargo Fin'L Utah, Inc 1.85% 8
10 Beneficial Company Llc 1.85% 8