Largest lenders in Cache County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | AMERICA FIRST Federal Credit Union | C | 592 | 430 | 17.7% | 6.99% |
| 2 | Goldenwest | B | 584 | 407 | 13.0% | 7.50% |
| 3 | Guild Mortgage | A | 482 | 336 | 0.8% | 6.38% |
| 4 | United Shore Financial Services | B | 390 | 320 | 5.4% | 6.12% |
| 5 | Mountain America Federal Credit Union | D | 345 | 158 | 38.3% | 7.13% |
| 6 | First Colony Mortgage | A | 180 | 161 | 1.7% | 6.25% |
| 7 | Bank of Utah | A | 166 | 140 | 1.2% | 6.38% |
| 8 | Rocket Mortgage | C | 162 | 128 | 9.3% | 6.38% |
| 9 | Zions Bancorporation | B | 144 | 76 | 24.3% | 6.49% |
| 10 | Cache Valley Bank | A | 142 | 130 | 0.7% | 6.63% |
| 11 | Kind Lending | C | 141 | 106 | 17.7% | 6.13% |
| 12 | The Loan Store | B | 86 | 68 | 5.8% | 6.63% |
| 13 | Intercap Lending | A | 81 | 58 | 0.0% | 6.75% |
| 14 | Sierra Pacific Mortgage Company | C | 72 | 54 | 5.6% | 6.50% |
| 15 | U.S. Bank | D | 57 | 23 | 43.9% | 7.95% |
| 16 | Glacier Bank | D | 55 | 21 | 30.9% | 7.00% |
| 17 | Newrez | D | 53 | 22 | 9.4% | 6.38% |
| 18 | Nationstar Mortgage | C | 48 | 40 | 4.2% | 8.44% |
| 19 | Deseret First Credit Union | A | 45 | 37 | 15.6% | 7.50% |
| 20 | Pennymac Loan Services | C | 44 | 24 | 18.2% | 6.06% |
| 21 | Mortgage Research Center | C | 43 | 22 | 16.3% | 6.25% |
| 22 | Freedom Mortgage | B | 37 | 22 | 0.0% | 6.13% |
| 23 | Plains Commerce Bank | B | 36 | 24 | 11.1% | 6.31% |
| 24 | Provident Funding Associates | A | 35 | 19 | 5.7% | 6.00% |
| 25 | Coastal Community Bank | C | 34 | 4 | 2.9% | 8.62% |
Best approval odds in Cache County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Intercap Lending | 60 | 0.0% |
| 2 | Cache Valley Bank | 131 | 0.8% |
| 3 | Guild Mortgage | 364 | 1.1% |
| 4 | Bank of Utah | 145 | 1.4% |
| 5 | First Colony Mortgage | 168 | 1.8% |
| 6 | United Shore Financial Services | 349 | 6.0% |
| 7 | The Loan Store | 79 | 6.3% |
| 8 | Sierra Pacific Mortgage Company | 59 | 6.8% |
| 9 | Rocket Mortgage | 147 | 10.2% |
| 10 | Goldenwest | 536 | 14.2% |
What Cache County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Cache County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 4,369 | 2,855 | 15.7% | 6.99% | $215,000 |
| 2024 | 4,666 | 3,068 | 15.9% | 6.99% | $235,000 |
| 2025 | 4,998 | 3,342 | 13.3% | 6.63% | $275,000 |
Frequently asked questions
13.3% of applications in Cache County were denied in 2025, against 16.0% statewide in Utah.
AMERICA FIRST Federal Credit Union, with 592 applications in 2025 and a denial rate of 17.7%.
The median mortgage application in Cache County in 2025 was for $275,000; the median property value on originated loans was $485,000.