Cache Valley Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2020
Cache Valley Bank 2020 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Cache Valley Bank 101 North Main Logan, UT 84321 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 1,536 |
| Total Mortgage Loan Application Amount | $444,150,000 |
| Average Mortgage Loan Application Amount | $241,000 |
| Highest Mortgage Loan Application Amount | $2,075,000 |
| Average Applicant Income | $121,200 |
| Highest Applicant Income | $4,435,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2020 with Cache Valley Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Cache Valley Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2020 breaks down Cache Valley Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Cache Valley Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Cache Valley Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Cache Valley Bank's mortgage activity for 2020.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Cache County Utah | 654 | $ 185,540,000 | $ 283,000 | $ 142,000 |
| Washington County Utah | 278 | $ 81,200,000 | $ 292,000 | $ 162,000 |
| Davis County Utah | 108 | $ 36,010,000 | $ 333,000 | $ 160,000 |
| Weber County Utah | 89 | $ 29,145,000 | $ 327,000 | $ 178,000 |
| Sanpete County Utah | 57 | $ 12,535,000 | $ 219,000 | $ 103,000 |
| Salt Lake County Utah | 47 | $ 14,845,000 | $ 315,000 | $ 173,000 |
| Box Elder County Utah | 45 | $ 11,845,000 | $ 263,000 | $ 125,000 |
| Franklin County Idaho | 40 | $ 8,420,000 | $ 210,000 | $ 104,000 |
| Wayne County Utah | 27 | $ 7,885,000 | $ 292,000 | $ 116,000 |
| Juab County Utah | 24 | $ 6,340,000 | $ 264,000 | $ 125,000 |
| Utah County Utah | 21 | $ 6,365,000 | $ 303,000 | $ 149,000 |
| Rich County Utah | 19 | $ 5,335,000 | $ 280,000 | $ 213,000 |
| Iron County Utah | 18 | $ 3,650,000 | $ 202,000 | $ 177,000 |
| Bear Lake County Idaho | 12 | $ 3,930,000 | $ 327,000 | $ 150,000 |
| Maricopa County Arizona | 6 | $ 1,590,000 | $ 265,000 | $ 144,000 |
| Clark County Nevada | 5 | $ 855,000 | $ 171,000 | $ 98,000 |
| Carbon County Utah | 5 | $ 955,000 | $ 191,000 | $ 68,000 |
| Summit County Utah | 5 | $ 3,665,000 | $ 733,000 | $ 231,000 |
| Daggett County Utah | 4 | $ 1,320,000 | $ 330,000 | $ 136,000 |
| Wasatch County Utah | 4 | $ 1,670,000 | $ 417,000 | $ 284,000 |
| Ada County Idaho | 3 | $ 1,255,000 | $ 418,000 | $ 123,000 |
| Washoe County Nevada | 3 | $ 895,000 | $ 298,000 | $ 220,000 |
| Emery County Utah | 3 | $ 675,000 | $ 225,000 | $ 55,000 |
| Grand County Utah | 3 | $ 1,015,000 | $ 338,000 | $ 301,000 |
| Denver County Colorado | 2 | $ 380,000 | $ 190,000 | $ 23,000 |
| Pinellas County Florida | 2 | $ 460,000 | $ 230,000 | $ 125,000 |
| Hawaii County Hawaii | 2 | $ 1,030,000 | $ 515,000 | $ 826,000 |
| Bonneville County Idaho | 2 | $ 610,000 | $ 305,000 | $ 71,000 |
| Canyon County Idaho | 2 | $ 620,000 | $ 310,000 | $ 122,000 |
| Oneida County Idaho | 2 | $ 290,000 | $ 145,000 | $ 91,000 |
| Teton County Idaho | 2 | $ 530,000 | $ 265,000 | $ 277,000 |
| Twin Falls County Idaho | 2 | $ 550,000 | $ 275,000 | $ 91,000 |
| Williamson County Tennessee | 2 | $ 890,000 | $ 445,000 | $ 142,000 |
| Morgan County Utah | 2 | $ 680,000 | $ 340,000 | $ 133,000 |
| Uinta County Wyoming | 2 | $ 790,000 | $ 395,000 | $ 118,000 |
| Madison County Alabama | 1 | $ 215,000 | $ 215,000 | $ 48,000 |
| Matanuska-Susitna County Alaska | 1 | $ 515,000 | $ 515,000 | $ 220,000 |
| Coconino County Arizona | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Mohave County Arizona | 1 | $ 175,000 | $ 175,000 | $ 43,000 |
| Pinal County Arizona | 1 | $ 285,000 | $ 285,000 | $ 91,000 |
| Yavapai County Arizona | 1 | $ 465,000 | $ 465,000 | $ 63,000 |
| Inyo County California | 1 | $ 355,000 | $ 355,000 | $ 104,000 |
| Orange County California | 1 | $ 355,000 | $ 355,000 | $ 163,000 |
| Douglas County Colorado | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Jefferson County Colorado | 1 | $ 295,000 | $ 295,000 | $ 121,000 |
| Montrose County Colorado | 1 | $ 305,000 | $ 305,000 | $ 93,000 |
| Manatee County Florida | 1 | $ 415,000 | $ 415,000 | $ 174,000 |
| Bannock County Idaho | 1 | $ 155,000 | $ 155,000 | $ 113,000 |
| Boundary County Idaho | 1 | $ 35,000 | $ 35,000 | $ 201,000 |
| Fremont County Idaho | 1 | $ 275,000 | $ 275,000 | $ 464,000 |
| Gooding County Idaho | 1 | $ 205,000 | $ 205,000 | $ 160,000 |
| Jefferson County Idaho | 1 | $ 445,000 | $ 445,000 | $ 60,000 |
| Payette County Idaho | 1 | $ 25,000 | $ 25,000 | $ 107,000 |
| Boone County Kentucky | 1 | $ 385,000 | $ 385,000 | $ 175,000 |
| Baltimore City County Maryland | 1 | $ 145,000 | $ 145,000 | $ 64,000 |
| Middlesex County Massachusetts | 1 | $ 695,000 | $ 695,000 | $ 1,007,000 |
| Flathead County Montana | 1 | $ 355,000 | $ 355,000 | $ 215,000 |
| Elko County Nevada | 1 | $ 515,000 | $ 515,000 | $ 297,000 |
| Lander County Nevada | 1 | $ 255,000 | $ 255,000 | $ 196,000 |
| Lincoln County Nevada | 1 | $ 115,000 | $ 115,000 | $ 40,000 |
| Brunswick County North Carolina | 1 | $ 225,000 | $ 225,000 | $ 132,000 |
| Hood River County Oregon | 1 | $ 465,000 | $ 465,000 | $ 132,000 |
| Bucks County Pennsylvania | 1 | $ 265,000 | $ 265,000 | $ 156,000 |
| Beaver County Utah | 1 | $ 155,000 | $ 155,000 | $ 64,000 |
| Kane County Utah | 1 | $ 185,000 | $ 185,000 | $ 154,000 |
| Sevier County Utah | 1 | $ 395,000 | $ 395,000 | $ 124,000 |
| Tooele County Utah | 1 | $ 315,000 | $ 315,000 | $ 73,000 |
| Whatcom County Washington | 1 | $ 265,000 | $ 265,000 | $ 120,000 |
| Lincoln County Wyoming | 1 | $ 795,000 | $ 795,000 | $ 168,000 |
Mortgage Loan Application Detail Totals for Cache Valley Bank in 2020
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing | 773 | $214,525,000 | $277,000 | $1,005,000 | $153,000 | $4,435,000 |
| Home Purchase | 501 | $158,845,000 | $317,000 | $2,075,000 | $151,000 | $4,194,000 |
| Cash-out Refinancing | 251 | $69,025,000 | $275,000 | $695,000 | $138,000 | $1,626,000 |
| Home Improvement | 7 | $955,000 | $136,000 | $265,000 | $92,000 | $291,000 |
| Other Purpose | 4 | $800,000 | $200,000 | $405,000 | $72,000 | $113,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 1,442 | $418,000,000 | $289,000 | $2,075,000 | $149,000 | $4,435,000 |
| Not Provided | 35 | $9,855,000 | $281,000 | $915,000 | $154,000 | $831,000 |
| Not applicable | 20 | $5,140,000 | $257,000 | $1,315,000 | $0 | $0 |
| Asian | 15 | $4,315,000 | $287,000 | $565,000 | $131,000 | $344,000 |
| Hispanic | 14 | $3,520,000 | $251,000 | $395,000 | $109,000 | $723,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $1,645,000 | $329,000 | $435,000 | $107,000 | $228,000 |
| American Indian or Alaskan Native | 2 | $980,000 | $490,000 | $695,000 | $542,000 | $1,007,000 |
| Black or African American | 1 | $255,000 | $255,000 | $255,000 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,484 | $430,010,000 | $289,000 | $2,075,000 | $152,000 | $4,435,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 28 | $6,760,000 | $241,000 | $315,000 | $65,000 | $111,000 |
| VA-guaranteed (Veterans Administration) | 16 | $4,950,000 | $309,000 | $415,000 | $66,000 | $122,000 |
| FHA-insured (Federal Housing Administration) | 8 | $2,430,000 | $303,000 | $385,000 | $83,000 | $121,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 1,366 | $389,160,000 | $284,000 | $1,405,000 | $145,000 | $4,194,000 |
| Application Withdrawn By Applicant | 151 | $47,755,000 | $316,000 | $2,075,000 | $192,000 | $4,435,000 |
| Application Denied By Financial Institution | 19 | $7,235,000 | $380,000 | $1,365,000 | $113,000 | $619,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 1,517 | $436,915,000 | $288,000 | $2,075,000 | $150,000 | $4,435,000 |
| Debt-To-Income Ratio | 12 | $4,040,000 | $336,000 | $1,365,000 | $93,000 | $619,000 |
| Credit History | 7 | $3,195,000 | $456,000 | $915,000 | $144,000 | $236,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Cache Valley Bank's 2020 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Cache Valley Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Utah, download the full spreadsheet
with aggregated HMDA statistics today.