Cache Valley Bank in Idaho vs the state
0.0%Denial rate-14.45 pts vs state
0.0%Decision denial rate-17.52 pts vs state
88.9%Origination rate+25.87 pts vs state
6.63%Median rate0.00 pts vs state
0.15Rate spread (pts)-0.01 pts vs state
$124kMedian applicant income
32Loans originated
0Denied
Trend in Idaho
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 53 | 45 | 1.9% | 6.50% | #141 |
| 2024 | 24 | 23 | 0.0% | 6.75% | #206 |
| 2025 | 36 | 32 | 0.0% | 6.63% | #189 |
What Cache Valley Bank lends in Idaho
By loan purpose
By loan type
Where in Idaho
Counties with the most Cache Valley Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Franklin County | 15 | 14 | 0 | 0.0% |
| Oneida County | 5 | 5 | 0 | 0.0% |
| Bannock County | 5 | 4 | 0 | 0.0% |
| Bonneville County | 4 | 3 | 0 | 0.0% |
| Bear Lake County | 3 | 3 | 0 | 0.0% |
| Minidoka County | 1 | 1 | 0 | 0.0% |
| Blaine County | 1 | 0 | 0 | 0.0% |
| Boise County | 1 | 1 | 0 | 0.0% |
| Jefferson County | 1 | 1 | 0 | 0.0% |
Other large lenders in Idaho
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Idaho Central Credit Union | A | 15,644 | 16.5% | 7.00% |
| Rocket Mortgage | C | 4,391 | 13.3% | 6.63% |
| United Shore Financial Services | B | 3,943 | 9.1% | 6.12% |
| Premier Mortgage Resources | B | 2,504 | 2.7% | 6.25% |
| Mountain America Federal Credit Union | D | 2,323 | 37.7% | 7.24% |
| Guild Mortgage | A | 2,320 | 3.4% | 6.50% |
| U.S. Bank | D | 2,161 | 28.6% | 7.35% |
| Loandepot.Com | D | 1,622 | 14.2% | 6.50% |
| Glacier Bank | D | 1,507 | 14.5% | 6.88% |
| Pennymac Loan Services | C | 1,297 | 10.8% | 6.50% |
Frequently asked questions
Idaho: 36 applications in 2025, of which 32 were originated and 0 denied.
0.0% of all applications, or 0.0% of the applications it actually decided on. The Idaho statewide average across all lenders was 14.5%.
The median rate on loans Cache Valley Bank originated in Idaho in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Cache Valley Bank's own HMDA filing for properties located in Idaho, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology