Cache Valley Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the A grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
94th0.9% deniedPricingmedian rate spread over APOR, weight 30%
75th0.06 ptsProcesswithdrawn + incomplete share, weight 15%
64th8.8%Closing coststotal loan costs ÷ loan amount, weight 10%
73rd1.31% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 451 | 401 | 1.1% | 1.2% | 6.75% | $208M |
| 2024 | 298 | 263 | 1.7% | 1.9% | 6.88% | $123M |
| 2025 | 365 | 330 | 0.8% | 0.9% | 6.63% | $155M |
What Cache Valley Bank lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 2 manufactured homes, 77 investment properties.
Why Cache Valley Bank denies applications
Primary reason reported for each of the 3 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Cache Valley Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 71 | 62 | 3.1% |
| $100k – $150k | 82 | 78 | 0.0% |
| $150k – $250k | 73 | 70 | 0.0% |
| Over $250k | 85 | 74 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 66 | 61 | 0.0% |
| 35–44 | 81 | 74 | 1.3% |
| 45–54 | 89 | 80 | 0.0% |
| 55–64 | 47 | 44 | 2.2% |
| 65–74 | 26 | 21 | 0.0% |
Where Cache Valley Bank lends
16 states and 50 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Cache Valley Bank denied 0.9% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 94th percentile of small mortgage lenders.
The most common reason Cache Valley Bank gave in 2025 was "credit history", cited on 66.7% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Cache Valley Bank originated in 2025 was 6.63%, and its median rate spread over the average prime offer rate was 0.06 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 69% of its applications were for home purchases, 28% for refinancing (including cash-out), and 4% for home improvement or other purposes. By loan type: 95% conventional, 2% FHA, 2% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.