# Cache Valley Bank

> **Canonical URL:** https://saferate.com/lenders/cache-valley-bank


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Cache Valley Bank is a bank, headquartered in Logan, UT, serving borrowers across 11 states, with 190 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 49% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 41% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300CM7HYHZ1MEJ624
- **Headquarters:** Logan, UT
- **Geographic Reach:** Multi-Region
- **States Served:** 11
- **State List:** AK, AZ, CA, CO, ID, NM, NV, OR, UT, WV, WY
- **Markets (MSAs):** 5
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 51/100
- Rating: ●●●○○ (3/5)

### Pull Through: Sound ☺️
- Score: 59/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.078%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,364
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 190
- **Dollar Volume:** $90 million
- **Applications Received:** 218
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $473,895
- **Average Borrower Income:** $229,016
- **Average Property Value:** $763,789

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 59/100 | 166 | +0.084% | $2,386 | Sound ☺️ |
| Jumbo | 61/100 | 11 | +0.786% | $5,162 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 136 loans, Score: 58/100 (Sound)
- Refinance: 30 loans, Score: 54/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 58/100 | 157 | $77M | +0.071% | Sound ☺️ |
| Refinance | 54/100 | 33 | $13M | +0.111% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| UT | 161 | 0.36% | 75/100 |
| ID | 17 | 0.06% | 49/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Logan, UT | UT-ID | 80 | 91/100 |
| Non |  | 43 | 45/100 |
| Ogden, UT | UT | 20 | 55/100 |
| St. George, UT | UT | 20 | 59/100 |
| Salt Lake City | UT | 14 | 49/100 |

## Where This Lender Ranks

Cache Valley Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥈 **#2** in Logan, UT for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/logan-ut/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#5** in Utah for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/utah/best-mortgage-lenders/banks/va-loans)
- 🏆 **#5** in Logan, UT
  - [View Full Rankings](https://saferate.com/logan-ut/best-mortgage-lenders)
- 🏆 **#6** in Utah for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/utah/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#6** in Logan, UT for Conventional Loans
  - [View Full Rankings](https://saferate.com/logan-ut/best-mortgage-lenders/conventional-loans)
- 🏆 **#6** in St. George, UT for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/st-george-ut/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#8** in Utah Banks
  - [View Full Rankings](https://saferate.com/utah/best-mortgage-lenders/banks)
- 🏆 **#8** in Utah for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/utah/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#8** in Ogden, UT Banks
  - [View Full Rankings](https://saferate.com/ogden-ut/best-mortgage-lenders/banks)
- 🏆 **#9** in Ogden, UT for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/ogden-ut/best-mortgage-lenders/banks/conventional-loans)

## Frequently Asked Questions

### What loan types does Cache Valley Bank offer?

Cache Valley Bank offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Cache Valley Bank offer mortgages?

Cache Valley Bank offers mortgages in 11 states: AK, AZ, CA, CO, ID, NM, NV, OR, UT, WV, WY.

### How competitive are Cache Valley Bank's mortgage rates?

Cache Valley Bank has a pricing score of 51/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.078% above market average.

### What type of lender is Cache Valley Bank?

Cache Valley Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Logan, UT.

### What is Cache Valley Bank's loan approval success rate?

Cache Valley Bank has a pull-through score of 59/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/cache-valley-bank

### How to Cite

> "Cache Valley Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/cache-valley-bank

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