Applications / Mortgage Analytics / Lenders / Utah / Cache Valley Bank
Logan, UT · State non-member bank · FDIC · $3.5 billion assets · 330 loans in 2025
Cache Valley Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
330
loans originated, 2025
365
applications, 2025
15
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Cache Valley Bank, a Utah lender ranked 6 of 176 in Logan, makes bigger loans than most similar banks, and its originations rose 25% in 2025.
Its originations rose 25%, from 263 to 330, faster than more than four in five similar lenders (state non-member banks making between half and twice as many loans), whose typical growth was 9%. It had made 1,366 loans in 2020 and fewer each year until 2024. Purchases made up 70.3% of its lending.
Its typical loan was $355,000, against $175,000 at similar lenders, larger than at more than nine in ten of them. Jumbo loans (larger than the conforming limit) were 6.5% of its lending, against 1.4%.
Low- and moderate-income (LMI) borrowers took 16.1% of its loans, less than at about nine in ten peers. Its larger loans may go to borrowers with higher incomes. Unlike the typical peer, it also made some government-backed loans: 2.4% were insured by the Federal Housing Administration (FHA) and 1.5% guaranteed by the Department of Veterans Affairs (VA).
Its share in Logan, ID-UT rose 0.3 points, to 5.0%. It also gained ground in St. George and Ogden, though its shares there are smaller.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Cache Valley Bank took 365 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 70.3% · Refinance 26.1% · Home improvement 2.1% · Other 1.5%
Conventional 95.5% · FHA 2.4% · VA 1.5% · USDA (RHS or FSA) 0.6% · of 330 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Utah | 274 | 83.0% |
| Idaho | 32 | 9.7% |
| Missouri | 4 | 1.2% |
| Arizona | 3 | 0.9% |
| Colorado | 3 | 0.9% |
| Wyoming | 3 | 0.9% |
| California | 2 | 0.6% |
| Nevada | 2 | 0.6% |
| Florida | 1 | 0.3% |
| Georgia | 1 | 0.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Logan | 144 |
| St. George | 42 |
| Ogden | 24 |
| Provo-Orem-Lehi | 12 |
| Salt Lake City-Murray | 11 |
| Idaho Falls | 4 |
| Pocatello | 4 |
| Joplin | 3 |
| Lake Havasu City-Kingman | 2 |
| Las Vegas-Henderson-North Las Vegas | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300CM7HYHZ1MEJ624 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 995076 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 2995076 | 2004–2010 |
| Respondent ID (the HMDA filer code before 2018) | 322134 | 2011–2017 |
Established 2 October 1975. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Cache Valley Bank's data.
Cache Valley Bank's data
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