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Utah

Are you looking to settle in the beehive state and wish access to the best mortgage rates today Utah? Look no further than Total Mortgage! We are your trusted team that will help you find suitable funding options. We are dedicated to helping you find the perfect fit for your circumstances. Let our team of experienced professionals as they help you achieve your home-owning or home-funding dream. For first-time home buyers Utah and recurring buyers, we are here to help. If you're interested in down payment assistance Utah, contact us to explore the possibilities.

Utah mortgage rates today

The current 30-year fixed rate mortgage is as low as 6%.

Rate

6.000%

APR 6.462%

Est. Monthly Payment

$2158.38

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Rate

5.125%

APR 5.870%

Est. Monthly Payment

$2870.35

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Rate

5.625%

APR 6.595%

Est. Monthly Payment

$2257.73

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Rate

5.500%

APR 6.066%

Est. Monthly Payment

$2069.59

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Rate

5.375%

APR 6.670%

Est. Monthly Payment

$2015.90

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Last updated: September 7th 2025, 12:30pm EST. The above rates are current as of September 7th 2025, 8:27pm EST. The table is updated twice every day with the current mortgage rates.

Utah Mortgage Rates FAQs

What is the average mortgage rate in Utah?

 

As homebuyers, checking the mortgage rates Utah is crucial. Not only do these determine what percentage of the home costs will have to be borrowed or refinanced in Utah, but they also directly affect overall living expenses for owners there.

What are the current mortgage rates in Utah?

The current mortgage rates Utah page on our website lists the comparative data and is updated twice daily for the reference of our clients.

Where can Utah residents find the best mortgage rates?

Whether you aim for down assistance Utah or Utah first-time home buyer grants, the key to success lies in your attention to all factors. Think in terms of advertised rates and make sure you get a clear picture of some of the less explicit costs before deciding.

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Mortgage rates are volatile and subject to change without notice. All rates shown are for 30-day rate locks with two and a half points for a single family owner-occupied primary residence with 750 or higher FICO and 80 LTV over a 30-year loan term except where otherwise noted and are subject to mortgage approval with full documentation of income. The APR for a 30-year and 15-year conventional fixed-rate mortgage loans are calculated using a loan amount of $360,000, two and a half points, a $495 application fee, $450 appraisal fee, $1,195 underwriting fee, a $10 flood certification fee, and a $82 credit report fee.* 15-year conventional mortgage rates are calculated with a 15-year loan term.* The APR for jumbo mortgage rates is calculated using a loan amount of $500,000, two and a half points, a $495 application fee, $450 appraisal fee, $1,195 underwriting fee, $10 flood certification fee, and a $82 credit report fee.* The APR for FHA mortgage rates is calculated using a loan amount of $360,000, two and a half points, a $495 application fee, $450 appraisal fee, $1,195 underwriting fee, $10 flood certification fee, and a $82 credit report fee. Some rates and fees may vary by state.* The APR for adjustable rate mortgages (ARMs) is calculated using a loan amount of $360,000, two and a half points, a $495 application fee, $450 appraisal fee, $1,195 underwriting fee, $10 flood certification fee and a $82 credit report fee. Some rates and fees may vary by state. Products are subject to availability on a state-by-state basis. By refinancing your existing loan, your total finance charge may be higher over the life of the loan.