Cache Valley Bank
Cache Valley Bank received 365 applications in 2025 and made 330 mortgages, in 50 counties across 16 states. The median rate its borrowers got was 6.625% on a median loan of $355,000. Of 333 decisions, 3 were denials — 0.9%, most often for credit history.
| Legal Entity Identifier | 549300CM7HYHZ1MEJ624 |
|---|---|
| Applications received | 365 |
| Mortgages made | 330 |
| Denied | 3 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 32 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.064 points |
| FDIC-insured bank | Yes: Cache Valley Bank, 25 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 232 | 6.625% | $385,000 | 0.4% |
| Refinancing | 59 | 6.750% | $345,000 | 3.3% |
| Cash-out refinancing | 27 | 6.490% | $265,000 | 0.0% |
| Other purposes | 12 | 8.000% | $95,000 | 0.0% |
Where Cache Valley Bank lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Cache County, UT | 130 | 6.625% | 0.8% |
| Washington County, UT | 42 | 6.875% | 0.0% |
| Box Elder County, UT | 15 | 6.624% | 0.0% |
| Franklin County, ID | 14 | 6.625% | 0.0% |
| Weber County, UT | 12 | 6.933% | 0.0% |
| Salt Lake County, UT | 11 | 7.125% | 0.0% |
| Sanpete County, UT | 11 | 6.375% | 0.0% |
| Davis County, UT | 9 | Under 10 loans | 10.0% |
| Iron County, UT | 8 | Under 10 loans | 0.0% |
| Juab County, UT | 8 | Under 10 loans | 0.0% |
| Oneida County, ID | 5 | Under 10 loans | 0.0% |
| Rich County, UT | 5 | Under 10 loans | 0.0% |
| Bannock County, ID | 4 | Under 10 loans | 0.0% |
| Utah County, UT | 4 | Under 10 loans | 0.0% |
| Bear Lake County, ID | 3 | Under 10 loans | 0.0% |
| Bonneville County, ID | 3 | Under 10 loans | 0.0% |
| Kane County, UT | 3 | Under 10 loans | 0.0% |
| Morgan County, UT | 3 | Under 10 loans | 0.0% |
| Wasatch County, UT | 3 | Under 10 loans | 25.0% |
| Wayne County, UT | 3 | Under 10 loans | 0.0% |
| Mohave County, AZ | 2 | Under 10 loans | 0.0% |
| Newton County, MO | 2 | Under 10 loans | 0.0% |
| Clark County, NV | 2 | Under 10 loans | 0.0% |
| Emery County, UT | 2 | Under 10 loans | 0.0% |
| Garfield County, UT | 2 | Under 10 loans | 0.0% |
| Millard County, UT | 2 | Under 10 loans | 0.0% |
| Lincoln County, WY | 2 | Under 10 loans | 0.0% |
| Maricopa County, AZ | 1 | Under 10 loans | 0.0% |
| San Diego County, CA | 1 | Under 10 loans | 0.0% |
| Sierra County, CA | 1 | Under 10 loans | 0.0% |
| Delta County, CO | 1 | Under 10 loans | 0.0% |
| El Paso County, CO | 1 | Under 10 loans | 0.0% |
| San Miguel County, CO | 1 | Under 10 loans | 0.0% |
| Broward County, FL | 1 | Under 10 loans | 0.0% |
| Fayette County, GA | 1 | Under 10 loans | 0.0% |
| Boise County, ID | 1 | Under 10 loans | 0.0% |
| Jefferson County, ID | 1 | Under 10 loans | 0.0% |
| Minidoka County, ID | 1 | Under 10 loans | 0.0% |
| Jasper County, MO | 1 | Under 10 loans | 0.0% |
| Stone County, MO | 1 | Under 10 loans | 0.0% |
| Tompkins County, NY | 1 | Under 10 loans | 0.0% |
| Craven County, NC | 1 | Under 10 loans | 0.0% |
| Fayette County, OH | 1 | Under 10 loans | 0.0% |
| Washington County, OR | 1 | Under 10 loans | 0.0% |
| Summit County, UT | 1 | Under 10 loans | 0.0% |
| Kitsap County, WA | 1 | Under 10 loans | 0.0% |
| Park County, WY | 1 | Under 10 loans | 0.0% |
| Matanuska-Susitna Borough, AK | 0 | Under 10 loans | Not published |
| Blaine County, ID | 0 | Under 10 loans | Not published |
| Sevier County, UT | 0 | Under 10 loans | Not published |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.