Cache Valley Bank mortgage approval rate & lending review
Cache Valley Bank decided 684 mortgage applications and funded 675 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Cache Valley Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Cache Valley Bank at a glance
Approval is 15.2 points above the 83.5% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 100% | 397 / 397 | 100% | $405K | 397 |
| Cash-out refinance | 98% | 45 / 46 | 100% | $275K | 45 |
| Refinance | 94% | 73 / 78 | 100% | $255K | 73 |
| Investment property purchase | 99% | 101 / 102 | 100% | $295K | 101 |
| Investment cash-out refinance | 96% | 24 / 25 | 100% | $265K | 24 |
Cache Valley Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Utah | 99% | $405K | 642 | 633 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Cache Valley Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Cache County, UT | Mortgage lenders | 100% | 218 | 218 |
| Washington County, UT | Mortgage lenders | 100% | 64 | 64 |
| Cache County, UT | Refinance | 98% | 46 | 45 |
| Cache County, UT | Investment property purchase | 98% | 40 | 39 |
| Washington County, UT | Investment property purchase | 100% | 32 | 32 |
| Cache County, UT | Cash-out refinance | 100% | 29 | 29 |
The county markets where Cache Valley Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Cache Valley Bank
What is Cache Valley Bank's mortgage approval rate?
Cache Valley Bank approved 98.7% of the 684 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 15.2 points above the 83.5% national rate for the same mix of loan types.
How often do borrowers take the loan Cache Valley Bank offers?
Borrowers accepted 100% of the loans Cache Valley Bank approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Cache Valley Bank make?
The typical home purchase mortgage loan Cache Valley Bank made was $405K; across all loan types its typical loan ran from $255K to $405K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Cache Valley Bank lend?
Cache Valley Bank decided applications in 21 of the states Fat Boy Data covers, most of them in Utah, Arizona and Idaho.
Can I apply to Cache Valley Bank directly?
Yes. Cache Valley Bank is a bank or credit union with 25 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Cache Valley Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Cache Valley Bank treats applications, then get a rate quote from the lender.