Purchase Originations
176
Median Total Costs
$4,233
−36.6% vs national ($6,680)
↑ $69 vs prior year
Median Rate
6.624%
+2.1% vs national (6.490%)
↓ 0.001% vs prior year
Median Origination
$1,799
Median Lender Credits
$86
Denial Rate
0.0%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 162 | 6.625% | $4,106 | $2,055 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Utah | 143 | 6.624% | $4,215 | #45 |
| Idaho | 17 | 6.624% | $5,056 | — |
| Arizona | 3 | 6.625% | $5,028 | — |
| Missouri | 3 | 6.500% | $3,827 | — |
| California | 2 | 7.245% | $11,313 | — |
| Colorado | 2 | 6.562% | $6,769 | — |
| Florida | 1 | 6.624% | $4,875 | — |
| Georgia | 1 | 6.375% | $3,706 | — |
| North Carolina | 1 | 6.000% | $8,790 | — |
| Nevada | 1 | 6.990% | $7,612 | — |
| Oregon | 1 | 6.375% | $13,501 | — |
| Wyoming | 1 | 6.625% | $3,102 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $1,840 | 6.500% | — | 2 | −$2,393 | |
| 2 | $2,232 | 6.750% | — | 3 | −$2,001 | |
| 3 | $2,739 | 6.500% | — | 9 | −$1,494 | |
| 4 | $2,983 | 6.125% | — | 3 | −$1,250 | |
| 5 | $3,000 | 6.374% | — | 8 | −$1,233 | |
| 6 | $3,549 | 6.750% | — | 7 | −$684 | |
| 7 | $3,596 | 6.625% | — | 20 | −$637 | |
| 8 | $3,835 | 6.058% | — | 2 | −$398 | |
| 9 | $3,864 | 6.245% | — | 2 | −$369 | |
| 10 | $3,908 | 7.250% | — | 4 | −$325 | |
| 11 | $3,982 | 6.875% | — | 5 | −$251 | |
| 12 | $4,215 | 6.625% | — | 67 | −$18 | |
| 13 | $5,356 | 6.625% | — | 3 | +$1,123 | |
| 14 | $5,636 | 6.188% | — | 6 | +$1,403 | |
| 15 | $5,658 | 6.183% | — | 4 | +$1,425 | |
| 16 | $5,699 | 6.625% | — | 3 | +$1,466 | |
| 17 | $5,889 | 6.562% | — | 4 | +$1,656 | |
| 18 | $6,240 | 6.250% | — | 5 | +$2,007 | |
| 19 | $6,328 | 5.990% | — | 2 | +$2,095 | |
| 20 | $10,664 | 7.188% | — | 2 | +$6,431 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Cache Valley Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $415,000 | $335,000 | +$80,000 (+23.9%) |
| Median total closing costs | $4,233 | $7,127 | −$2,894 (−40.6%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.