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 score and performance metrics.

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 an overall pricing score of 50.8/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Cache Valley Bank?

Cache Valley Bank is a Bank headquartered in Logan, UT.

Unclaimed

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.

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

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Conventional

Superstar

Purchase

Superstar

Refinance

Superstar

Explore another lender or local market

Report Card

Cache Valley Bank performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Sound

+7.8 bps above market avg

3/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

166 loans · 0.08% above market

Sound

Top 60% of lenders

3/5

Jumbo

11 loans · 0.79% above market

Strong

Top 40% of lenders

4/5

By Loan Purpose· Transaction purpose mix

Purchase

157 loans · 0.07% above market

Sound

Top 60% of lenders

3/5

Refinance

33 loans · 0.11% above market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 5 markets

Sound

Top 60% of lenders

3/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Strong	Sound	Sound	Strong	166	87.4%	+0.084%Above	$2,386Fees
Jumbo Loans	Strong	Strong	—	—	11	5.8%	+0.786%Above	$5,162Fees

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

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Sound	Sound	Strong	157	82.6%	+0.071%Above	$2,388Fees
Refinance	Sound	Sound	Sound	Strong	33	17.4%	+0.111%Above	$2,257Fees

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

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

11Full-year 2024 · HMDA

Loans originated

< 2020+None

South1

West10

AKAZCACOIDNMNVORUTWY

Top Metro Areas by Place Specialization Score

Logan, UT, UT-IDMetro

Volume 80Mix 42.11% of portfolio

91/100

Exceptional

St. George, UTMetro

Volume 20Mix 10.53% of portfolio

59/100

Sound

Ogden, UTMetro

Volume 20Mix 10.53% of portfolio

55/100

Sound

Salt Lake City, UTMetro

Volume 14Mix 7.37% of portfolio

49/100

Sound

Top States by Place Specialization Score

UtahState

Volume 161Mix 84.74% of portfolio

75/100

Strong

IdahoState

Volume 17Mix 8.95% of portfolio

49/100

Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 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.

Looking for a different lender?

Are you the owner of Cache Valley Bank?

Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.

Claim this Profile

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.