Utah · HMDA 2025
Mortgage lenders in Cache County, UT
198 lenders reported 5,733 home-loan applications in Cache County in 2025. 3,342 closed as loans ($1.1B), 662 were denied — a 15.6% denial rate on decided applications, below the Utah rate of 19.1%. The three most active lenders handled 29% of applications, led by AMERICA FIRST Federal Credit Union. 9 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 5,733
- Loans originated
- 3,342
- Purchase / refinance
- 1,551 / 1,084
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Cache County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | AMERICA FIRST Federal Credit Union 71 out of 100, Strong | 592 | 10.3% | 22.5% |
| 2 | GOLDENWEST | 584 | 10.2% | — |
| 3 | GUILD MORTGAGE COMPANY | 483 | 8.4% | — |
| 4 | UNITED SHORE FINANCIAL SERVICES, LLC | 391 | 6.8% | — |
| 5 | Mountain America Federal Credit Union 56 out of 100, Moderate | 345 | 6.0% | 45.0% |
| 6 | PENNYMAC LOAN SERVICES, LLC | 246 | 4.3% | — |
| 7 | FIRST COLONY MORTGAGE CORPORATION | 180 | 3.1% | — |
| 8 | Bank of Utah | 166 | 2.9% | — |
| 9 | Rocket Mortgage, LLC | 164 | 2.9% | — |
| 10 | Zions Bancorporation, N.A. 67 out of 100, Moderate | 144 | 2.5% | 30.7% |
| 11 | Cache Valley Bank 73 out of 100, Strong | 142 | 2.5% | 0.9% |
| 12 | KIND LENDING, LLC | 141 | 2.5% | — |
| 13 | NATIONSTAR MORTGAGE LLC | 128 | 2.2% | — |
| 14 | U.S. Bank National Association 55 out of 100, Moderate | 103 | 1.8% | 39.5% |
| 15 | NEWREZ LLC | 101 | 1.8% | — |
| 16 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 100 | 1.7% | 14.1% |
| 17 | THE LOAN STORE, INC. | 86 | 1.5% | — |
| 18 | PHH Mortgage Corporation | 85 | 1.5% | — |
| 19 | INTERCAP LENDING INC. | 81 | 1.4% | — |
| 20 | FREEDOM MORTGAGE CORPORATION | 76 | 1.3% | — |
| 21 | Sierra Pacific Mortgage Company, Inc. | 72 | 1.3% | — |
| 22 | AMERIHOME MORTGAGE COMPANY, LLC | 56 | 1.0% | — |
| 23 | Glacier Bank 68 out of 100, Moderate | 55 | 1.0% | 20.0% |
| 24 | Deseret First Credit Union | 45 | 0.8% | — |
| 25 | Mortgage Research Center, LLC | 43 | 0.8% | — |
| 26 | Plains Commerce Bank 59 out of 100, Moderate | 36 | 0.6% | 10.0% |
| 27 | PROVIDENT FUNDING ASSOCIATES, L.P. | 35 | 0.6% | — |
| 28 | Coastal Community Bank 35 out of 100, Low | 34 | 0.6% | 3.0% |
| 29 | 21st Mortgage Corporation | 31 | 0.5% | — |
| 30 | LAKEVIEW LOAN SERVICING, LLC | 31 | 0.5% | — |
| 31 | Broker Solutions, Inc. | 28 | 0.5% | — |
| 32 | FIGURE LENDING LLC | 27 | 0.5% | — |
| 33 | LOWER, LLC | 27 | 0.5% | — |
| 34 | Financial Funding Solutions, Inc. | 27 | 0.5% | — |
| 35 | PLANET HOME LENDING, LLC | 25 | 0.4% | — |
| 36 | Discover Bank | 24 | 0.4% | — |
| 37 | VILLAGE CAPITAL & INVESTMENT LLC | 24 | 0.4% | — |
| 38 | UNION HOME MORTGAGE CORP. | 23 | 0.4% | — |
| 39 | TRIAD FINANCIAL SERVICES, INC. | 22 | 0.4% | — |
| 40 | Loandepot.Com, LLC | 21 | 0.4% | — |
Top 40 of 198 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.
Other counties in Utah
- Salt Lake County 51,730 apps
- Utah County 35,605 apps
- Davis County 17,456 apps
- Weber County 15,621 apps
- Washington County 13,171 apps
- Tooele County 5,997 apps
- Iron County 3,741 apps
- Box Elder County 3,593 apps
- Wasatch County 3,122 apps
- Summit County 3,104 apps
- Uintah County 2,059 apps
- Sanpete County 1,357 apps