Cache County
Utah · FIPS 49005
According to CFPB HMDA 2024 application volume among U.S. counties, Cache County ranks #491 of 3,210, and #7 of 29 in Utah.
Mortgage lending activity in Cache County, Utah based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this county during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Local mortgage market. Cache County, Utah saw 5,184 HMDA-reported mortgage applications in 2024. Lenders originated 3,063 of those loans and denied 743, producing a denial rate of 14.3% and an approval (origination) rate of 59.1%. The average loan amount was $279,010 at an average note rate of 7.21%, with applicants self-reporting average annual income of $38K. 151 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 7.3x, meaning typical borrowers took on mortgages of about 7.3 times their annual income. That ratio is a rough affordability signal: higher multiples imply tighter monthly budgets and greater exposure to rate or income shocks. See our methodology for how to read the denial rate against a local applicant pool. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Cache County
In Cache County, lead originator America First Federal Credit Union funded 16.9% of 3,063 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 37.3% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Cache County's 5,184 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Cache County's $279,010 average loan (deduped against volume peers).
Lenders active in Cache County
America First Federal Credit Union funded 518 of the 3,063 loans originated in Cache County, 16.9% of the county. 151 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | America First Federal Credit Union | 518 | 16.9% |
| 2 | Goldenwest Credit Union | 320 | 10.4% |
| 3 | Guild Mortgage Company | 304 | 9.9% |
| 4 | United Wholesale Mortgage | 249 | 8.1% |
| 5 | First Colony Mortgage Corporation | 232 | 7.6% |
Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. County FIPS codes per U.S. Census Bureau standards.
Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Provided for informational purposes only; does not constitute financial advice for Cache County borrowers.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This Cache County page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.