Home financing in San Juan County.
County-by-county financing guides. No paperwork. No social. No ID.
1 institutions are headquartered inside the San Juan County line, and 1 more keep a branch here. Below, we say which is which.
Not this lane? Business FinancingPersonal Financing
The doors in San Juan County.
The CDFIs, credit unions, and microlenders that actually say yes — county by county, in two languages. We are not a lender. Nobody paid to be listed. And where a county has no good doors, we say so.
- 2
- DOORS HERE
- 1
- BASED HERE
- 22
- UT COUNTIES WITH DOORS
- Lane
- Home Financing
- People
- 15Kresidents of San Juan County
- Elsewhere in UT
- Salt Lake County →24 doors — the biggest list of any other county in Utah
- State
- Utah →22 of 29 counties hold a door in this lane
- San Juan Credit UnionPersonal · Home
Based elsewhere, with a member-facing office inside the San Juan County line. You can walk in.
- Desert Rivers Credit UnionPersonal · Home · Business capital
- Utah Microenterprise Loan FundBusiness capital
- Mission Asset FundAccepts ITIN
Zero-interest lending circles and credit building. SSN or ITIN accepted. Works through nonprofit partners across the country.
Personal - Accion Opportunity FundAccepts ITIN
Nonprofit small-business lender. Accepts ITIN in place of SSN. Serves most states, in English and Spanish.
Business capital - Grameen AmericaAccepts ITIN
Microloans for women entrepreneurs. Requires photo ID and proof of address — no SSN requirement. Branches in major metro areas.
Business capital
How to read this list.
We do not ask for your name, your email, or your number. Nothing on this page changes based on who you are.
A door is headquartered here when its head office sits inside the county line. The rest are based elsewhere and keep a branch you can walk into. We list both, and we label which is which.
Every institution on this page comes from public federal data — the CDFI Fund certified list (Aug 2026), NCUA credit union data (Jun 2026), and the SBA microloan intermediary list (Sep 2026) — plus a short national tier we verified by hand. We refresh each list as its agency publishes. No listing is paid.
Who actually approves home loans in San Juan County.
home-purchase applications that reached a decision were turned down: 37 of 93.
- Applications
- 117
- Loans made
- 53
- Median rate
- 6.5%
- Credit history27%
- Too much debt for the income27%
- Information they couldn't verify24.3%
- Primary Residential Mortgage36296.5%6.4%
- Rocket Mortgage241436.4%6%
- Zions Bancorporation15913.3%6.5%
- United Shore Financial Services9622.2%5.7%
- Mountain America Federal Credit Union15558.3%5.9%
- Vanderbilt Mortgage and Finance34476.2%—
- 21st Mortgage13372.7%—
- Pennymac Loan Services520%—
- Mortgage Research Center6233.3%—
- Lakeview Loan Servicing6180%—
The 10 lenders that made the most home loans in San Juan County in 2025, buying and refinancing together. The mark on each bar is the whole county's denial rate (38.2%). Home loans only: first-lien, owner-occupied, one-to-four-unit homes, as reported under the federal HMDA law. Small lenders below its reporting threshold — many of the credit unions above — don't report, so their loans aren't counted here. Rates are for loans made. Source: HMDA 2025 public loan records (FFIEC).
San Juan County, Utah is a vast, rural county with a majority Native American population, a strong ranching and energy heritage, and a small but growing number of solo contractors and real-estate investors. Buying a home here requires understanding which local and regional lenders actually serve this area — because many national banks simply do not. This guide walks you through what home financing is, who qualifies locally, what documents you need, which lenders and programs are worth contacting, Utah-specific rules to know, and what warning signs to watch for along the way.
- 2
- DOORS HERE
- 28
- ACROSS UT
Based in Moab, Utah. A credit union — owned by its members rather than by shareholders, which is exactly what changes the conversation after a bank has said no.
BEST FORA personal loan, or building a credit file from nothing, and buying, repairing or refinancing a home.Based in Blanding, Utah. A member-owned credit union, which means the people deciding on your file answer to depositors in the same towns you work in.
BEST FORBuying, repairing or refinancing a home, and a personal loan, or building a credit file from nothing.The rules where you are.
None of this is set by a lender. Utah sets it, and it applies the same in every county in the state — which is why it is worth knowing before you knock on any of the doors above.
- PROPERTY TAX0.57% effective
What Utah charges every year on what the house is worth. No lender sets it and it does not go away when the loan does — it is part of the payment from day one.
- MEDIAN HOME, STATEWIDE$509K
The number an appraisal gets read against. A house well under it is often the loan a big bank does not want — which is exactly what the doors above are for.
- STATE INCOME TAX4.55% flat
It comes off before a lender works out how much of your income can go to a payment.
- COST OF LIVING102.4
National index, where 100 is the country's average. Under 100 means your money goes further here than it does nationally.
Sources: Tax Foundation 2025 · Census ACS 5-year 2023 · BEA/MERIC COLI 2024 · Zillow 2026-Q1. As of 2026-04.
The short version.
- 01
2 doors sit inside the San Juan County line. They are up the page, by name and by town — and none of them paid to be there.
- 02
2 of them are credit unions — owned by their members rather than by shareholders, and used to reading a whole story instead of a score.
- 03
This page did not ask you for a name, an email, or a number, and nothing on it changes based on who you are.
- 04
22 of Utah's 29 counties hold a door in this lane. If San Juan County does not have the one you need, the whole state is one click away.
Same county, another question.
Business FinancingLoans, lines of credit, and capital for small businesses and contractorsSEE IT IN SAN JUAN COUNTY →
Personal FinancingPersonal loans, credit building, and ITIN-friendly financing optionsSEE IT IN SAN JUAN COUNTY →22UT COUNTIES WITH DOORSThe whole stateEvery county in Utah, in this same lane.28 institutions fund homes and repairs inside Utah county lines.OPEN THE STATE →Still don't see your situation?
Ask Iris. She'll explain it the way it should have been explained the first time.