Utah Mortgage Rates
See The Current Utah Mortgage Rates
Your dream home in Utah is within reach—but only if you get the right mortgage rate.
Mortgage rates change every single day—sometimes multiple times a day—based on what’s happening with the economy, inflation reports, and the Federal Reserve. That’s why checking yesterday’s rates won’t help you today, and why working with a local expert who tracks these changes matters so much.
These are estimates to help you plan. Your actual rate and payment will vary based on your credit, down payment, and loan program. Numbers don't include taxes, insurance, or HOA fees. Ready for your real numbers? Contact us for a personalized quote - no obligation.
Current Utah Conventional 30-Year Fixed Rates
30-Year Fixed — Today’s Rates
The 30-year fixed is the steady one — your rate and principal-and-interest payment stay the same for the life of the loan, which is why most Utah buyers start here.
| Option | Rate | APR | Points |
|---|---|---|---|
| Lowest rate, highest upfront cost | 6.375% | 6.603% | 1.774 |
| Balanced — lower rate | 6.625% | 6.762% | 0.816 |
| Balanced — lower cost | 6.750% | 6.824% | 0.166 |
| Lowest upfront cost | 7.125% | 7.071% | -1.140 |
See Assumptions
6.375% Rate · 6.60% APR — with 1.774 discount points (1.774% = $7,096 paid at closing). Estimate based on 30-year fixed-rate mortgage with a $400,000 loan, 80% LTV (20% down), 760 FICO, single-family residence, owner-occupied, purchase, 30-day lock, 1.774 discount points. This is an estimate, not a commitment to lend or a locked rate — terms are subject to change without notice. Your actual rate, points, and terms depend on your application and qualification.
6.625% Rate · 6.76% APR — with 0.816 discount points (0.816% = $3,264 paid at closing). Estimate based on 30-year fixed-rate mortgage with a $400,000 loan, 80% LTV (20% down), 760 FICO, single-family residence, owner-occupied, purchase, 30-day lock, 0.816 discount points. This is an estimate, not a commitment to lend or a locked rate — terms are subject to change without notice. Your actual rate, points, and terms depend on your application and qualification.
6.750% Rate · 6.82% APR — with 0.166 discount points (0.166% = $664 paid at closing). Estimate based on 30-year fixed-rate mortgage with a $400,000 loan, 80% LTV (20% down), 760 FICO, single-family residence, owner-occupied, purchase, 30-day lock, 0.166 discount points. This is an estimate, not a commitment to lend or a locked rate — terms are subject to change without notice. Your actual rate, points, and terms depend on your application and qualification.
7.125% Rate · 7.07% APR — with a 1.14-point lender credit (1.14% = $4,560 toward closing). Estimate based on 30-year fixed-rate mortgage with a $400,000 loan, 80% LTV (20% down), 760 FICO, single-family residence, owner-occupied, purchase, 30-day lock, 1.14-point lender credit. This is an estimate, not a commitment to lend or a locked rate — terms are subject to change without notice. Your actual rate, points, and terms depend on your application and qualification.
Equal Housing Lender.
ClearPath Idaho and ClearPath Utah are part of Capital Financial Group, Inc. – NMLS #3146. Kelly David Sansom, Mortgage Loan Originator, NMLS #2510508.
Your Actual Rate Will Be Personalized to You
Here’s the thing: the rates above are general ranges, but your specific rate depends on your unique financial situation.Two people buying the same house in Salt Lake City can get completely different rates based on several key factors. See rates in Salt Lake City specifically.
What affects your personal Utah mortgage rate:
✓ Your credit score (higher scores = lower rates)
✓ Your down payment amount (more down = better rates)
✓ The type of loan you choose (conventional, FHA, VA, USDA)
✓ Your debt-to-income ratio (how much you owe vs. how much you earn)
✓ The property type (single-family home, condo, investment property)
✓ Where you’re buying in Utah (different areas have slightly different pricing)
✓ Which lender we match you with from our network of hundreds of options
Let’s Find Your Personalized Rate
The good news? We handle all of this for you. We shop hundreds of lenders, compare what each one is willing to do on your loan, and explain everything in plain English so you understand exactly what you’re getting.
Wondering if you will qualify? Find out in 30-seconds with no personal information.
Will I Qualify?
Get your answer in 30-seconds! Answer some easy questions with no personal information required!
Why Utah Homebuyers Choose ClearPath Utah Mortgage
At ClearPath Utah Mortgage, we’re not just another lender—we’re your partner and guide through the entire home loan journey. While other lenders give you one option and hope you don’t shop around, we do the opposite: we search hundreds of lenders on your behalf, put their offers side by side, and keep you informed every single step of the way.
Here’s What Makes Us Different:
We shop hundreds of lenders so one bank doesn’t get the final word on your rate.
As a mortgage broker, we have relationships with hundreds of different banks, credit unions, and lenders. That means when you apply with us, we’re comparing all those options at once and bringing you what each one will actually do for your loan—without you having to fill out dozens of applications or make countless phone calls.
We communicate so you’re never left in the dark.
You’ll never wonder “what’s happening with my loan?” because we keep you updated throughout the entire process. From application to closing, you’ll know exactly where things stand, what documents we need, and when you’re on track to get your keys. No ghosting, no surprises, no stress.
We explain things clearly.
Confused about the difference between APR and interest rate? Not sure what “escrow” means? Wondering why you need title insurance? We break down every term, every form, and every step into simple language that actually makes sense. You’ll never feel lost or like you should’ve known something already.
We do all of this with some of the lowest fees in Utah.
Here’s something most people don’t realize: working with a broker often costs LESS than going directly to a bank. We work efficiently, we don’t pile on unnecessary fees, and we’re transparent about every cost from day one. You get better rates and lower fees—that’s the ClearPath advantage.
Whether you’re buying your first home in Provo, upgrading in Sandy, or relocating to St. George, we make the confusing mortgage process simple, transparent, and actually enjoyable.
Explore All Your Utah Mortgage Rate Options
Not everyone needs the same type of home loan—and that’s okay! We help Utah homebuyers with all kinds of loan programs, each with its own rate structure and benefits. Here’s a quick look at what’s available right now.
Utah Jumbo Loan
Buying a luxury home in Park City or a high-end property in Draper? Utah jumbo loans are designed for home purchases above the conventional loan limit ($832,750 in most Utah counties). These loans often require larger down payments and stronger credit scores, but the rates can be surprisingly competitive.
Today's Current Utah Jumbo Loan 30-Year Fixed Rates
Jumbo 30-Year — Today’s Rates
Jumbo loans cover homes priced above conforming loan limits — the route for higher-priced properties along the Wasatch Front and beyond.
| Option | Rate | APR | Points |
|---|---|---|---|
| Lowest rate, highest upfront cost | 6.500% | 6.749% | 1.961 |
| Balanced | 6.875% | 7.019% | 0.862 |
| Lowest upfront cost | 7.250% | 7.303% | -0.083 |
See Assumptions
6.500% Rate · 6.75% APR — with 1.961 discount points (1.961% = $21,571 paid at closing). Estimate based on 30-year fixed-rate mortgage with a $1,100,000 loan, 80% LTV (20% down), 760 FICO, single-family residence, owner-occupied, purchase, 30-day lock, 1.961 discount points. This is an estimate, not a commitment to lend or a locked rate — terms are subject to change without notice. Your actual rate, points, and terms depend on your application and qualification.
6.875% Rate · 7.02% APR — with 0.862 discount points (0.862% = $9,482 paid at closing). Estimate based on 30-year fixed-rate mortgage with a $1,100,000 loan, 80% LTV (20% down), 760 FICO, single-family residence, owner-occupied, purchase, 30-day lock, 0.862 discount points. This is an estimate, not a commitment to lend or a locked rate — terms are subject to change without notice. Your actual rate, points, and terms depend on your application and qualification.
7.250% Rate · 7.30% APR — with a 0.083-point lender credit (0.083% = $913 toward closing). Estimate based on 30-year fixed-rate mortgage with a $1,100,000 loan, 80% LTV (20% down), 760 FICO, single-family residence, owner-occupied, purchase, 30-day lock, 0.083-point lender credit. This is an estimate, not a commitment to lend or a locked rate — terms are subject to change without notice. Your actual rate, points, and terms depend on your application and qualification.
Equal Housing Lender.
ClearPath Idaho and ClearPath Utah are part of Capital Financial Group, Inc. – NMLS #3146. Kelly David Sansom, Mortgage Loan Originator, NMLS #2510508.
Want to know if a jumbo loan is right for your situation? Learn more about Utah jumbo loan requirements.
Utah FHA Home Loans
First-time buyer with a smaller down payment? FHA loans are one of the most popular options in Utah because they allow you to buy a home with as little as 3.5% down. They’re also more forgiving if your credit score isn’t perfect. If you’re buying in Ogden, West Valley City, or anywhere across the Wasatch Front, an FHA mortgage here in Utah could be your ticket to homeownership.
Today's Current Utah FHA Loan 30-Year Fixed Rates
FHA 30-Year — Today’s Rates
FHA loans are built for buyers working with a smaller down payment or still rebuilding credit, with more forgiving qualifying than conventional financing.
| Option | Rate | APR | Points |
|---|---|---|---|
| Lowest rate, highest upfront cost | 5.750% | 6.835% | 1.544 |
| Balanced | 5.750% | 6.835% | 1.544 |
| Lowest upfront cost | 5.990% | 6.898% | -0.185 |
See Assumptions
5.750% Rate · 6.83% APR — with 1.544 discount points (1.544% = $6,176 paid at closing). Estimate based on 30-year fixed-rate mortgage with a $400,000 loan, 96.50% LTV (3.50% down), 760 FICO, single-family residence, owner-occupied, purchase, 30-day lock, including a 1.75% upfront mortgage insurance premium (UFMIP) financed into the loan balance, and a 0.55% annual mortgage insurance premium (MIP) collected monthly for the life of the loan, 1.544 discount points. This is an estimate, not a commitment to lend or a locked rate — terms are subject to change without notice. Your actual rate, points, and terms depend on your application and qualification.
5.750% Rate · 6.83% APR — with 1.544 discount points (1.544% = $6,176 paid at closing). Estimate based on 30-year fixed-rate mortgage with a $400,000 loan, 96.50% LTV (3.50% down), 760 FICO, single-family residence, owner-occupied, purchase, 30-day lock, including a 1.75% upfront mortgage insurance premium (UFMIP) financed into the loan balance, and a 0.55% annual mortgage insurance premium (MIP) collected monthly for the life of the loan, 1.544 discount points. This is an estimate, not a commitment to lend or a locked rate — terms are subject to change without notice. Your actual rate, points, and terms depend on your application and qualification.
5.990% Rate · 6.90% APR — with a 0.185-point lender credit (0.185% = $740 toward closing). Estimate based on 30-year fixed-rate mortgage with a $400,000 loan, 96.50% LTV (3.50% down), 760 FICO, single-family residence, owner-occupied, purchase, 30-day lock, including a 1.75% upfront mortgage insurance premium (UFMIP) financed into the loan balance, and a 0.55% annual mortgage insurance premium (MIP) collected monthly for the life of the loan, 0.185-point lender credit. This is an estimate, not a commitment to lend or a locked rate — terms are subject to change without notice. Your actual rate, points, and terms depend on your application and qualification.
Equal Housing Lender.
ClearPath Idaho and ClearPath Utah are part of Capital Financial Group, Inc. – NMLS #3146. Kelly David Sansom, Mortgage Loan Originator, NMLS #2510508.
Discover how much you can save with an FHA loan—check out our complete guide to Utah FHA home loans.
VA Home Loans in Utah
Are you a veteran, active-duty service member, or eligible spouse? VA home loans are one of the best deals in the mortgage world: $0 down payment, no monthly mortgage insurance, and typically lower interest rates than conventional loans. Utah has a strong military community, and we’re honored to help veterans in Layton, Hill Air Force Base, and beyond find their dream homes.
Today's Current Utah VA Loan 30-Year Fixed Rates
VA 30-Year — Today’s Rates
VA loans are earned, not given — eligible veterans, service members, and surviving spouses can finance a home with no down payment required.
| Option | Rate | APR | Points |
|---|---|---|---|
| Lowest rate, highest upfront cost | 5.875% | 6.176% | 0.529 |
| Lowest upfront cost | 6.000% | 6.242% | -0.104 |
| VA 30-Year | Contact for pricing | ||
See Assumptions
5.875% Rate · 6.18% APR — with 0.529 discount points (0.529% = $2,116 paid at closing). Estimate based on 30-year fixed-rate mortgage with a $400,000 loan, 100% LTV (0% down), 760 FICO, single-family residence, owner-occupied, purchase, 30-day lock, including a 2.15% VA funding fee (first use, not exempt) financed into the loan balance, 0.529 discount points. This is an estimate, not a commitment to lend or a locked rate — terms are subject to change without notice. Your actual rate, points, and terms depend on your application and qualification.
6.000% Rate · 6.24% APR — with a 0.104-point lender credit (0.104% = $416 toward closing). Estimate based on 30-year fixed-rate mortgage with a $400,000 loan, 100% LTV (0% down), 760 FICO, single-family residence, owner-occupied, purchase, 30-day lock, including a 2.15% VA funding fee (first use, not exempt) financed into the loan balance, 0.104-point lender credit. This is an estimate, not a commitment to lend or a locked rate — terms are subject to change without notice. Your actual rate, points, and terms depend on your application and qualification.
Equal Housing Lender.
ClearPath Idaho and ClearPath Utah are part of Capital Financial Group, Inc. – NMLS #3146. Kelly David Sansom, Mortgage Loan Originator, NMLS #2510508.
Ready to use your VA benefits? See current rates and learn more about VA home loans in Utah.
Utah USDA Home Loans
Thinking about buying in a more rural area like Heber, Tooele, Cedar City, or Spanish Fork? USDA loans in Utah offer 100% financing (that’s $0 down!) for homes in eligible rural and suburban areas. These government-backed loans are designed to help families achieve homeownership without needing a big down payment saved up.
Today's Current Utah USDA Loan 30-Year Fixed Rates
USDA 30-Year — Today’s Rates
USDA loans help buyers in eligible rural and suburban Utah communities buy a home with no down payment.
| Option | Rate | APR | Points |
|---|---|---|---|
| Lowest rate, highest upfront cost | 5.625% | 6.467% | 2.460 |
| Lowest upfront cost | 5.875% | 6.487% | 0.129 |
| USDA 30-Year | Contact for pricing | ||
See Assumptions
5.625% Rate · 6.47% APR — with 2.46 discount points (2.46% = $9,840 paid at closing). Estimate based on 30-year fixed-rate mortgage with a $400,000 loan, 100% LTV (0% down), 760 FICO, single-family residence, owner-occupied, purchase, 30-day lock, including a 1% upfront guarantee fee financed into the loan balance, and a 0.35% annual guarantee fee collected monthly for the life of the loan, 2.46 discount points. This is an estimate, not a commitment to lend or a locked rate — terms are subject to change without notice. Your actual rate, points, and terms depend on your application and qualification.
5.875% Rate · 6.49% APR — with 0.129 discount points (0.129% = $516 paid at closing). Estimate based on 30-year fixed-rate mortgage with a $400,000 loan, 100% LTV (0% down), 760 FICO, single-family residence, owner-occupied, purchase, 30-day lock, including a 1% upfront guarantee fee financed into the loan balance, and a 0.35% annual guarantee fee collected monthly for the life of the loan, 0.129 discount points. This is an estimate, not a commitment to lend or a locked rate — terms are subject to change without notice. Your actual rate, points, and terms depend on your application and qualification.
Equal Housing Lender.
ClearPath Idaho and ClearPath Utah are part of Capital Financial Group, Inc. – NMLS #3146. Kelly David Sansom, Mortgage Loan Originator, NMLS #2510508.
Find out if your dream home qualifies—explore Utah USDA home loans and eligible areas.
Today’s Rates: Refinance in Utah
Already own a home but want to lower your monthly payment, shorten your loan term, or tap into your home’s equity? Refinancing could save you hundreds per month. Whether you’re in Salt Lake City, Provo, or St. George, refinancing your Utah mortgage might make sense if rates have dropped or if your financial situation has improved since you first bought.
Thinking about refinancing? See how much you could save with today’s Utah refinance rates.
Real Utah Home Prices + What Your Monthly Payment Could Look Like
Let’s make this super practical. Here’s what homebuyers across Utah are dealing with right now—and what your monthly mortgage payment might look like with today’s Utah home loan rates.
Here’s our promise: We’ll give you honest advice on whether an ARM or fixed-rate makes sense for YOUR situation—even if it means recommending the loan that pays us less. Your long-term success matters more than our short-term commission. That’s how we’ve built our reputation in Utah.
Think of us as your personal rate-shopping team, doing all the comparing behind the scenes so you don’t have to.
Salt Lake City
Median home price: $575,000
With 10% down ($57,500) and a 6.75% rate:
Your monthly payment: around $3,350 (includes principal and interest)
Provo
Median home price: $460,000
With 5% down ($23,000) and a 6.5% rate:
Your monthly payment: around $2,760 (includes principal and interest)
St. George
Median home price: $560,000
With 10% down ($56,000) and a 7% rate:
Your monthly payment: around $3,360 (includes principal and interest)
What a Rate Does to a Utah Payment
Utah’s statewide median sale price is $575,300. What that home costs you monthly depends on the rate you’re offered, and the rate you’re offered depends on your credit tier, your down payment, your loan program and the day you lock it.
Which is why the live rates above are the number to use, not a payment we typed once and left sitting here. Pull today’s pricing, run it against your own price and down payment, and you’ll have a figure that’s true this morning rather than true last quarter.
Note: These estimates don’t include property taxes, insurance, or HOA fees—which can add $300-$600+ per month depending on location. Want a complete breakdown for your situation? We’ll walk you through it.
The bottom line? Even a small difference in your rate follows you for as long as you keep the loan, which is exactly why it’s worth making lenders compete for it instead of taking the first number someone hands you. When you work with us, your file goes to hundreds of lenders—and the live rate block on this page is where today’s actual pricing shows up.
Why Utah Mortgage Rates Matter More Than You Think
Let’s talk real numbers for a second.
Half a Point Is Not a Small Thing
Two buyers, same house, same price, same down payment, offered rates half a point apart. Their monthly payments differ. Their thirty-year totals differ by dramatically more than the monthly gap suggests, because interest is charged against a balance that comes down slowly in the early years.
We’re not printing the figure, because the honest version of it changes with every one of those variables and with the market itself. What doesn’t change is why the gap exists: rate offers are priced off your credit profile and your loan structure, and both are things you can move before you shop. That’s the actionable part.
The challenge? Most Utah homebuyers don’t know where to find the lowest rates. They go to their local bank, get one quote, and assume that’s as good as it gets.
But here’s what they’re missing: as a mortgage broker, we compare rates from hundreds of lenders—all at once—so you don’t have to waste time calling around or settling for whatever rate your bank decides to give you.
Best Mortgage Rates in Utah: How Shopping Hundreds of Lenders Actually Works
Here’s how we’re different—and why Utah homebuyers choose to work with us instead of going to a single bank.
✓ We Shop Hundreds of Lenders (You Don’t Have To)
As a mortgage broker, we have access to a massive network of lenders—big banks, credit unions, online lenders, and specialty programs. That means when you apply with us, you’re essentially getting hundreds of rate quotes at once. We compare them, negotiate on your behalf, and present you with the best options.
Translation? You save time, money, and stress.
✓ We Keep You in the Loop (No Radio Silence)
Ever feel like your lender ghosted you? Yeah, we hate that too. That’s why we communicate constantly throughout your loan process. You’ll know exactly where things stand, what documents we need, and when you’re on track to close. No surprises. No “sorry we forgot to tell you” moments. Just clear, consistent updates.
✓ We Help You Understand the Complex Language of the Mortgage World
Let’s be honest: the mortgage world is full of confusing terms, random acronyms, and paperwork that reads like it was written by robots for robots. We break all of that down into simple, everyday language so you actually understand what you’re signing up for.
Got questions about APR vs. interest rate? Wondering what “closing costs” actually are? Curious about the difference between pre-qualified and pre-approved? We explain it all—clearly, patiently, and without making you feel like you should’ve known already.
✓ We Do It All with Some of the Lowest Fees in Utah
Here’s a secret most lenders won’t tell you: broker fees are often LOWER than what you’d pay going directly to a bank. Why? Because we work on volume and efficiency, and we’re not trying to upsell you on a bunch of unnecessary add-ons.
We’re in the business of helping Utah families buy homes—not squeezing every last dollar out of you in fees.
Current Utah Mortgage Rates: What You Need to Know Right Now
Okay, let’s cut through the noise. Utah mortgage rates change every single day—sometimes multiple times a day—based on what’s happening with the economy, inflation, and the bond market.
Rates move, and any number written into this sentence would be wrong within the week. The live rates on this page carry their own APR, assumptions and effective date. What you would actually be offered depends on your credit, your down payment, the property and the loan you choose.
15-year fixed rates are usually run about 0.5% to 0.75% lower than 30-year rates, making them a smart choice if you want to pay off your home faster and save a ton on interest.
FHA, VA, and USDA loan rates often come in a bit lower than conventional rates—especially for first-time buyers or folks who qualify for these government-backed programs.
But here’s the kicker: these numbers mean nothing until you get YOUR personalized rate quote. Why? Because your actual rate depends on your credit score, down payment amount, the type of property you’re buying, and which lender we match you with from our network of hundreds of options.
Want to know your exact rate? It takes about 10 minutes to get started.
Woried you may not even qualified?
Without requiring any personal information find out in just a few minutes!
Find out if you qualify in 30-seconds with no personal information.
Will I Qualify?
Get your answer in 30-seconds! Answer some easy questions with no personal information required!
What If You’re a First-Time Home Buyer in Utah?
First time buying a home? Congrats! This is a huge, exciting step—and yes, it can feel a little overwhelming at first. But here’s the good news: you’re not alone, and we’ve helped hundreds of first-time buyers just like you get into their dream homes.
Here’s what you need to know about getting the best Utah mortgage rates as a first-time buyer:
✓ You don’t need perfect credit. While higher credit scores do get better rates, we work with buyers across the credit spectrum—and we’ll show you how to improve your score if needed.
✓ You might qualify for special first-time buyer programs. FHA loans require as little as 3.5% down. USDA loans offer 0% down for eligible rural properties. VA loans (if you’re a veteran) also require $0 down. We’ll help you figure out which program fits your situation.
✓ Down payment assistance is available. Utah has programs that help with down payments and closing costs. We know how to access these resources and will guide you through the process.
✓ Pre-approval is your first (and easiest) step. Getting pre-approved tells you exactly how much home you can afford—and it shows sellers you’re serious. We can get you pre-approved in as little as a day.
Starting the process is easier than you think. You’re just one conversation away from clarity.
Frequently Asked Questions About Utah Mortgage Rates
Some of the important questions we receive about a Utah mortgage rates.
How do I know if I'm getting the best mortgage rate in Utah?
The only way to know for sure is to compare rates from multiple lenders. Since we shop hundreds of lenders for you, you can be confident you’re getting one of the best rates available based on your financial profile.
Will checking my rate hurt my credit score?
Nope! When you apply for pre-approval, we do a “soft pull” that doesn’t impact your credit. Even when we do a full credit check later, multiple mortgage inquiries within a 45-day window count as just one inquiry—so shop around without worry.
What's the difference between the interest rate and APR?
Great question! The interest rate is what you pay on the loan amount. The APR (Annual Percentage Rate) includes the interest rate PLUS other loan costs like origination fees and closing costs. We explain both so you see the full picture.
Do I need 20% down to get a good rate?
Not at all! While 20% down can get you the very best rates, we help buyers secure competitive rates with as little as 3-5% down (conventional), 3.5% down (FHA), or even 0% down (VA and USDA loans).
How long does it take to close on a home loan in Utah?
Most loans close in 30-45 days. When a file needs to beat that, we say so at the start rather than hoping. We keep things moving quickly while making sure everything is done right.
Can I refinance later if rates drop?
Absolutely! In fact, we help tons of Utah homeowners refinance to lower rates when the market shifts. If you close with us today and rates drop later, we’ll be here to help you refinance and save even more.
Let’s Find Your Perfect Utah Mortgage Rate Together
The home you’ve been dreaming about? It’s closer than you think.
With the right Utah mortgage rate, the right loan program, and a team that actually cares about your success, homeownership isn’t just possible—it’s happening!
We’re ClearPath Utah Mortgage, and we’re ready to be your guide through every twist and turn of this journey. No jargon. No runaround. No being left in the dark.
Just honest answers, low rates, and a team that celebrates when you get the keys to your new home.
Ready to take the first step?