Mortgage lending in Cache County
3,342 mortgages were originated in Cache County, Utah, in 2025.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 3,342
- Median rate
- 6.625%
- Median lender fees
- $6,131
- Median loan amount
- $295,000
- Median spread over APOR
- 0.186
- Paid discount points
- 37.6%
- Received lender credits
- 19.6%
- Purchases / refinances
- 46.4% / 32.4%
- Conventional / FHA / VA
- 82.5% / 11.7% / 5%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 69.3% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Who lent here
Lenders with at least 50 loans in Cache County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| AMERICA FIRST Federal Credit Union | 430 | — | 6.990% |
| GOLDENWEST | 407 | $5,450 | 7.500% |
| GUILD MORTGAGE COMPANY | 336 | $8,484 | 6.375% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 320 | $7,859 | 6.124% |
| FIRST COLONY MORTGAGE CORPORATION | 161 | $7,457 | 6.250% |
| Mountain America Federal Credit Union | 158 | — | 7.125% |
| Bank of Utah | 140 | $6,693 | 6.375% |
| Cache Valley Bank | 130 | $4,167 | 6.625% |
| Rocket Mortgage, LLC | 128 | $5,499 | 6.375% |
| KIND LENDING, LLC | 106 | $9,102 | 6.125% |
What lenders charged here
Lender fees on a $295,000 loan, based on what was actually charged in Cache County — not a rule of thumb.
From 2,316 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, escrow and taxes are extra and are not in these figures. Compare two offers