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Cache Valley Bank

Bank•Logan, UTHQ•Direct•Reviews near you on Google

Cache Valley Bank has 190 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
Conventional · Jumbo
Place
Strong
4/5
Multi-Region · 4 mkts
Safe Rate Awards
Conventional Superstar
Conventional
Superstar
Purchase Superstar
Purchase
Superstar
Refinance Superstar
Refinance
Superstar

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Report Card

Cache Valley Bank performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+7.8 bps above market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
Jumbo
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 5 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Sound
Pricing
Sound
Pull Through
Strong
Volume166
Mix87.4%
Spread
+0.084%Above
Fees
$2,386Fees
Jumbo Loans
Overall
Strong
Product
Strong
Pricing—
Pull Through—
Volume11
Mix5.8%
Spread
+0.786%Above
Fees
$5,162Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Sound
Pricing
Sound
Pull Through
Strong
Volume157
Mix82.6%
Spread
+0.071%Above
Fees
$2,388Fees
Refinance
Overall
Sound
Product
Sound
Pricing
Sound
Pull Through
Strong
Volume33
Mix17.4%
Spread
+0.111%Above
Fees
$2,257Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
190
Applications
218
Volume
$90 million
Pricing & Closing
Avg Rate Spread
+0.078%
vs. market APOR
Avg Net Fees
$2,364
Origination − Credits
Pullthrough Rate
87.2%
Applications → Closed
Typical Borrower
Avg Loan Amount
$473,895
Avg Borrower Income
$229,016
Avg Property Value
$763,789

Geographic Coverage

Geographic Performance

Metro Areas
4
markets with activity
States Served
11
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

11
11 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
South1
WV
West10
AKAZCACOIDNMNVORUTWY

Top Metro Areas by Place Specialization Score

1© Michael Gordon · CC BY 3.0
Logan, UT, UT-IDMetro
Volume 80Mix 42.11% of portfolio
91/100
Exceptional
2© Jrozwado · CC BY-SA 4.0
St. George, UTMetro
Volume 20Mix 10.53% of portfolio
59/100
Sound
3© Ntsimp · Public domain
Ogden, UTMetro
Volume 20Mix 10.53% of portfolio
55/100
Sound
4© Garrett from Salt Lake City · CC BY 2.0
Salt Lake City, UTMetro
Volume 14Mix 7.37% of portfolio
49/100
Sound

Top States by Place Specialization Score

Utah
Utah
1
UtahState
Volume 161Mix 84.74% of portfolio
75/100
Strong
Idaho
Idaho
2
IdahoState
Volume 17Mix 8.95% of portfolio
49/100
Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.