Mortgage lenders in Cache County
3,342 mortgages were made in Cache County, Utah, in 2025, by 200 lenders. The median rate their borrowers got was 6.625% on a median loan of $295,000. Of 4,247 decisions, 662 were denials — 15.6%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| AMERICA FIRST Federal Credit Union | 430 | 6.990% | $85,000 | 18.4% |
| GOLDENWEST | 407 | 7.500% | $175,000 | 14.2% |
| GUILD MORTGAGE COMPANY | 336 | 6.375% | $335,000 | 1.1% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 320 | 6.124% | $385,000 | 6.0% |
| FIRST COLONY MORTGAGE CORPORATION | 161 | 6.250% | $365,000 | 1.8% |
| Mountain America Federal Credit Union | 158 | 7.125% | $115,000 | 44.8% |
| Bank of Utah | 140 | 6.375% | $325,000 | 1.4% |
| Cache Valley Bank | 130 | 6.625% | $355,000 | 0.8% |
| Rocket Mortgage, LLC | 128 | 6.375% | $305,000 | 10.2% |
| KIND LENDING, LLC | 106 | 6.125% | $390,000 | 18.9% |
| Zions Bancorporation, N.A. | 76 | 6.490% | $250,000 | 24.3% |
| THE LOAN STORE, INC. | 68 | 6.625% | $335,000 | 6.3% |
| INTERCAP LENDING INC. | 58 | 6.750% | $390,000 | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 54 | 6.500% | $370,000 | 6.8% |
| NATIONSTAR MORTGAGE LLC | 40 | 8.438% | $135,000 | 4.8% |
| Deseret First Credit Union | 37 | 7.500% | $105,000 | 15.9% |
| PENNYMAC LOAN SERVICES, LLC | 24 | 6.062% | $310,000 | 24.2% |
| Plains Commerce Bank | 24 | 6.313% | $360,000 | 13.8% |
| Financial Funding Solutions, Inc. | 24 | 6.313% | $370,000 | 0.0% |
| U.S. Bank National Association | 23 | 7.950% | $125,000 | 52.1% |
| NEWREZ LLC | 22 | 6.375% | $320,000 | 18.5% |
| Mortgage Research Center, LLC | 22 | 6.250% | $465,000 | 24.1% |
| FREEDOM MORTGAGE CORPORATION | 22 | 6.125% | $370,000 | 0.0% |
| Glacier Bank | 21 | 7.000% | $315,000 | 44.7% |
| LOWER, LLC | 21 | 6.625% | $445,000 | 8.7% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 19 | 6.000% | $435,000 | 9.1% |
| UNION HOME MORTGAGE CORP. | 18 | 5.990% | $405,000 | 0.0% |
| Broker Solutions, Inc. | 15 | 6.990% | $345,000 | 6.3% |
| CANOPY MORTGAGE, LLC | 14 | 6.188% | $365,000 | 0.0% |
| MOVEMENT MORTGAGE, LLC | 13 | 6.990% | $335,000 | 12.5% |
| AMERICAN FINANCIAL RESOURCES, INC. | 13 | 6.125% | $315,000 | 0.0% |
| FIGURE LENDING LLC | 11 | 8.675% | $45,000 | 12.5% |
| Paramount Residential Mortgage Group, Inc. | 10 | 6.058% | $345,000 | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 10 | 6.370% | $485,000 | 8.3% |
| TRIAD FINANCIAL SERVICES, INC. | 9 | Under 10 loans | Under 10 loans | 18.2% |
| Loandepot.Com, LLC | 9 | Under 10 loans | Under 10 loans | 43.8% |
| UTAH FIRST | 9 | Under 10 loans | Under 10 loans | 35.7% |
| JPMorgan Chase Bank, National Association | 9 | Under 10 loans | Under 10 loans | 10.0% |
| LAKEVIEW LOAN SERVICING, LLC | 8 | Under 10 loans | Under 10 loans | 45.5% |
| Navy Federal Credit Union | 8 | Under 10 loans | Under 10 loans | 33.3% |
| AmeriSave Mortgage Corporation | 8 | Under 10 loans | Under 10 loans | 38.5% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 7 | Under 10 loans | Under 10 loans | 23.1% |
| AMWEST FUNDING CORP. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| UTAH COMMUNITY FEDERAL CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 22.2% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 6 | Under 10 loans | Under 10 loans | 14.3% |
| SPRING EQ, LLC | 6 | Under 10 loans | Under 10 loans | 53.8% |
| RANLIFE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| MY MOVE MORTGAGE, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 5 | Under 10 loans | Under 10 loans | 76.2% |
| Bank of America, National Association | 5 | Under 10 loans | Under 10 loans | 16.7% |
| PHH Mortgage Corporation | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CYPRUS Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 37.5% |
| BETTER MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 37.5% |
| JMAC LENDING, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| GoodLeap, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Coastal Community Bank | 4 | Under 10 loans | Under 10 loans | 4.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 4 | Under 10 loans | Under 10 loans | 44.4% |
| Fairway Independent Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 4 | Under 10 loans | Under 10 loans | 33.3% |
| KeyBank National Association | 4 | Under 10 loans | Under 10 loans | 28.6% |
| AgWest Farm Credit, FLCA | 4 | Under 10 loans | Under 10 loans | 33.3% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 4 | Under 10 loans | Under 10 loans | 33.3% |
| SUN WEST MORTGAGE COMPANY, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| BMO Bank National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| CMG MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 33.3% |
| OCMBC, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| VAN DYK MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GARDNER FINANCIAL SERVICES, LTD. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 3 | Under 10 loans | Under 10 loans | 81.3% |
| Wells Fargo Bank, National Association | 3 | Under 10 loans | Under 10 loans | 57.1% |
| PNC Bank, National Association | 3 | Under 10 loans | Under 10 loans | 40.0% |
| GUARANTEED RATE AFFINITY, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GRANITE FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 40.0% |
| PLAZA HOME MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| MORIA DEVELOPMENT, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Utah Mortgage Loan Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 2 | Under 10 loans | Under 10 loans | 60.0% |
| CHARTWAY FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 60.0% |
| University First Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 40.0% |
| NEXERA HOLDING LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Northpointe Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DIRECT RATE HOME LOANS, INC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SECURITY SERVICE FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AMERITRUST MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Click n' Close, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SECURITY HOME MORTGAGE, LLC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GENWAY HOME MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SWBC MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| University Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BELEM SERVICING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SUN AMERICAN MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Utah Power Federally Insured State-Chartered Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 80.0% |
| NBKC BANK | 1 | Under 10 loans | Under 10 loans | 66.7% |
| CHURCHILL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| CHAMPIONS FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GEORGIA'S OWN | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MORTGAGEONE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FAIRWINDS CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Armed Forces Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FRANKLIN LOAN CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WALKER & DUNLOP, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MEMBERS FIRST CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ZILLOW HOME LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHROP GRUMMAN Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MLD MORTGAGE INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Centennial Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHTECHLENDING INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HomeTrust Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Jordan Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BERKELEY POINT CAPITAL LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SAN FRANCISCO FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Elements Financial Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Genisys Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EAST IDAHO Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DIRECT MORTGAGE, CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DELTA COMMUNITY CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FOUNDATION MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| United Trust Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Old Second National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WASHINGTON FEDERAL BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Regions Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| The Federal Savings Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| 549300PWMS2701UFP528 | 0 | Under 10 loans | Under 10 loans | Not published |
| ENCOMPASS LENDING GROUP, LP | 0 | Under 10 loans | Under 10 loans | Not published |
| D. L. EVANS BANK | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Copper State Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 0 | Under 10 loans | Under 10 loans | 50.0% |
| FAY SERVICING, LLC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 0 | Under 10 loans | Under 10 loans | Not published |
| CREDIT HUMAN FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 50.0% |
| INTELLILOAN, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN HERITAGE LENDING, LLC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Axos Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Citadel Servicing Corporation | 0 | Under 10 loans | Under 10 loans | 0.0% |
| State Department Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| SOUTH RIVER MORTGAGE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| The Huntington National Bank | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Griffin Funding, Inc. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Toyota Financial Savings Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PGIM REAL ESTATE AGENCY FINANCING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Equity Prime Mortgage LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| NASA Federal Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| NBH Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Ixonia Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| LENDSURE MORTGAGE CORP. | 0 | Under 10 loans | Under 10 loans | Not published |
| GTE Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| 9845005BP6974AE5D838 | 0 | Under 10 loans | Under 10 loans | Not published |
| Manufacturers and Traders Trust Company | 0 | Under 10 loans | Under 10 loans | 100.0% |
| First National Bank of America | 0 | Under 10 loans | Under 10 loans | Not published |
| MidFirst Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| BELLCO CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| Old National Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| FIRST FLORIDA Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| REDWOOD RESIDENTIAL ACQUISITION CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| PANORAMA MORTGAGE GROUP, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| GMFS LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| Citizens Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Citibank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Fifth Third Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials.
Bank branches in Cache County
24 FDIC-insured branches from 10 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Cache Valley Bank | 7 | $1.3 billion |
| Zions Bancorporation, N.A. | 4 | $872.6 million |
| Glacier Bank | 3 | $253.7 million |
| Wells Fargo Bank, National Association | 2 | $333.8 million |
| JPMorgan Chase Bank, National Association | 2 | $159.0 million |
| Bank of Utah | 2 | $151.8 million |
| U.S. Bank National Association | 1 | $87.2 million |
| WaFd Bank | 1 | $55.5 million |
| KeyBank National Association | 1 | $34.8 million |
| D. L. Evans Bank | 1 | $17.6 million |
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When the next year’s lending figures are out for Cache County, or a lender arrives or leaves.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.