Utah Mortgage and Refinance Rates

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Current Utah Mortgage Rates

Average market rates for July 25, 2024 in Utah are 6.85% for 30-year fixed purchase and 6.95% for 30-year fixed refinance

ProductRateAPR
30-year Fixed Purchase6.85%6.88%
30-year Fixed Refinance6.95%6.98%
Rates based on market averages as of Jul 25, 2024.
ProductRateAPR
30-year Fixed Purchase6.85%6.88%
30-year Fixed Refinance6.95%6.98%
Rates based on market averages as of Jul 25, 2024.

Utah Purchase Rates

ProductRateAPR
15-year Fixed Purchase5.95%6.01%
15-year Fixed Jumbo Purchase6.36%6.38%
30-year Fixed Purchase6.85%6.88%
30-year Fixed Jumbo Purchase7.29%7.32%
Rates based on market averages as of Jul 25, 2024.

Utah Refinance Rates

ProductRateAPR
15-year Fixed Refinance5.95%6.00%
15-year Fixed Jumbo Refinance6.36%6.38%
30-year Fixed Refinance6.95%6.98%
30-year Fixed Jumbo Refinance7.29%7.32%
Rates based on market averages as of Jul 25, 2024.

Utah ARM Rates

ProductRateAPR
5/6 Arm (purchase)7.08%7.12%
5/6 Arm (refinance)7.20%7.24%
5/6 Jumbo Arm (purchase)6.48%6.48%
5/6 Jumbo Arm (refinance)6.51%6.52%
Rates based on market averages as of Jul 25, 2024.

How we source rates and rate trends

Most Common Mortgage Types in Utah

  • Conventional: 39,523 loans
  • FHA: 6,298 loans
  • USDA: 377 loans
  • VA: 2,933 loans

Top Purchase Lenders in Utah by Volume

  • Intercap Lending Inc.: 3,626 loans
  • First Colony Mortgage Corporation: 2,962 loans
  • Securitynational Mortgage Company: 2,327 loans
  • Academy Mortgage Corporation: 1,828 loans
  • Rocket Mortgage, LLC: 1,381 loans
  • Mountain America Federal Credit Union: 1,350 loans
  • DHI Mortgage Company, Ltd.: 1,194 loans
  • America First Federal Credit Union: 1,056 loans
  • Citywide Home Loans, LLC: 1,055 loans
  • Home Point Financial Corporation: 1,004 loans

Top Refinance Lenders in Utah by Volume

  • Mountain America Federal Credit Union: 3,871 loans
  • America First Federal Credit Union: 3,117 loans
  • Zions Bancorporation, N.a.: 831 loans
  • First Colony Mortgage Corporation: 580 loans
  • Goldenwest: 470 loans
  • Utah Community Federal Credit Union: 426 loans
  • Rocket Mortgage, LLC: 411 loans
  • Reverse Mortgage Funding LLC: 368 loans
  • Longbridge Financial, LLC: 355 loans
  • American Advisors Group: 346 loans

Top Cash-Out Refinance Lenders in Utah by Volume

  • Rocket Mortgage, LLC: 2,613 loans
  • Cyprus Federal Credit Union: 1,550 loans
  • Goldenwest: 775 loans
  • Loandepot.com, LLC: 768 loans
  • America First Federal Credit Union: 683 loans
  • Intercap Lending Inc.: 683 loans
  • Home Point Financial Corporation: 636 loans
  • Mountain America Federal Credit Union: 628 loans
  • Pennymac Loan Services, LLC: 593 loans
  • Freedom Mortgage Corporation: 562 loans

How we source lender data

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