Cache Valley Bank in Utah vs the state
1.0%Denial rate-14.96 pts vs state
1.1%Decision denial rate-18.10 pts vs state
91.3%Origination rate+28.09 pts vs state
6.63%Median rate0.00 pts vs state
0.06Rate spread (pts)-0.18 pts vs state
$150kMedian applicant income
274Loans originated
3Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 371 | 334 | 1.1% | 6.75% | #66 |
| 2024 | 257 | 225 | 2.0% | 6.88% | #80 |
| 2025 | 300 | 274 | 1.0% | 6.63% | #79 |
What Cache Valley Bank lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most Cache Valley Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cache County | 142 | 130 | 1 | 0.7% |
| Washington County | 45 | 42 | 0 | 0.0% |
| Box Elder County | 15 | 15 | 0 | 0.0% |
| Weber County | 13 | 12 | 0 | 0.0% |
| Davis County | 13 | 9 | 1 | 7.7% |
| Salt Lake County | 13 | 11 | 0 | 0.0% |
| Sanpete County | 11 | 11 | 0 | 0.0% |
| Iron County | 9 | 8 | 0 | 0.0% |
| Juab County | 8 | 8 | 0 | 0.0% |
| Rich County | 5 | 5 | 0 | 0.0% |
Other large lenders in Utah
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| AMERICA FIRST Federal Credit Union | C | 16,303 | 18.3% | 6.99% |
| Mountain America Federal Credit Union | D | 15,401 | 36.5% | 7.24% |
| United Shore Financial Services | B | 11,325 | 8.5% | 6.25% |
| Rocket Mortgage | C | 6,276 | 14.6% | 6.63% |
| Guild Mortgage | A | 5,427 | 1.5% | 6.50% |
| Intercap Lending | A | 4,881 | 0.7% | 6.50% |
| Goldenwest | B | 4,794 | 17.6% | 7.50% |
| First Colony Mortgage | A | 3,499 | 2.1% | 6.38% |
| Kind Lending | C | 3,227 | 20.3% | 6.50% |
| Zions Bancorporation | B | 3,013 | 22.9% | 6.49% |
Frequently asked questions
Utah: 300 applications in 2025, of which 274 were originated and 3 denied.
1.0% of all applications, or 1.1% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans Cache Valley Bank originated in Utah 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 Utah, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology