Cache Valley Bank closing costs and rates (2024)
In 2024, Cache Valley Bank originated 151 purchase mortgages at a median interest rate of 6.62% and median total closing costs of $4,164. That is $2,577 below the national median of $6,741. Cache Valley Bank is most active in Utah with 128 originations there.
Purchase Originations
151
Median Total Costs
$4,164
−38.2% vs national ($6,741)
Median Rate
6.625%
+0.1% vs national (6.620%)
Median Origination
$1,650
Median Lender Credits
$65
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 140 | 6.625% | $3,996 | $1,820 |
Active states
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Utah | 128 | 6.625% | $3,833 | #47 |
| Idaho | 14 | 6.625% | $5,862 | — |
| Oregon | 2 | 6.188% | $5,873 | — |
| Wyoming | 2 | 7.250% | $7,667 | — |
| Alaska | 1 | 5.990% | $4,885 | — |
| California | 1 | 8.000% | $28,508 | — |
| New Mexico | 1 | 6.625% | $8,252 | — |
| Nevada | 1 | 8.000% | $14,627 | — |
| West Virginia | 1 | 6.625% | $4,322 | — |
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $73 | 6.500% | — | 3 | −$4,091 | |
| 2 | $1,999 | 6.438% | — | 8 | −$2,165 | |
| 3 | $2,269 | 6.625% | — | 11 | −$1,895 | |
| 4 | $2,833 | 6.625% | — | 9 | −$1,331 | |
| 5 | $3,164 | 6.812% | — | 2 | −$1,000 | |
| 6 | $3,336 | 6.875% | — | 15 | −$828 | |
| 7 | $3,554 | 6.625% | — | 11 | −$610 | |
| 8 | $3,730 | 6.938% | — | 2 | −$434 | |
| 9 | $4,172 | 6.625% | — | 56 | +$8 | |
| 10 | $4,290 | 6.625% | — | 3 | +$126 | |
| 11 | $4,484 | 6.250% | — | 1 | +$320 | |
| 12 | $4,885 | 5.990% | — | 1 | +$721 | |
| 13 | $5,360 | 6.688% | — | 10 | +$1,196 | |
| 14 | $5,663 | 6.875% | — | 2 | +$1,499 | |
| 15 | $7,262 | 6.125% | — | 1 | +$3,098 | |
| 16 | $8,252 | 6.625% | — | 1 | +$4,088 | |
| 17 | $8,550 | 6.625% | — | 3 | +$4,386 | |
| 18 | $10,848 | 6.000% | — | 1 | +$6,684 | |
| 19 | $14,627 | 8.000% | — | 1 | +$10,463 | |
| 20 | $28,508 | 8.000% | — | 1 | +$24,344 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2024. Sorted by median total loan costs.
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Data source: HMDA Modified Loan Application Register 2024, 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.