Utah Mortgage Rates (2026)
Current average mortgage rates, median home prices, and top lenders in Utah. Rates apply to primary residence purchases with good credit (740+).
30yr Fixed
6.98%
Avg APR
15yr Fixed
6.38%
Avg APR
Median Price
$500,000
Median home
Monthly P&I
$2,667
30yr at 80% LTV
Advertisement
Top Mortgage Lenders in Utah
1
Get RateRocket Mortgage
Online convenience
30yr Fixed
7%
15yr Fixed
6.4%
Min Down
3%
2
Get RateChase
Existing customers
30yr Fixed
6.9%
15yr Fixed
6.3%
Min Down
3%
3
Get RateWells Fargo
Branch access
30yr Fixed
7.1%
15yr Fixed
6.5%
Min Down
3%
4
Get RateBank of America
Preferred Rewards
30yr Fixed
7%
15yr Fixed
6.4%
Min Down
3%
5
Get RateloanDepot
Low down payment
30yr Fixed
6.9%
15yr Fixed
6.3%
Min Down
3%
Advertisement
First-Time Buyer Programs in Utah
- ✓Utah Housing FirstHome Loan
- ✓Utah Housing Score Loan
- ✓Utah Housing DPA Loan
Mortgage Requirements in Utah
- •Min 660 credit score for Utah Housing programs
- •Income limits apply
- •Complete homebuyer education
Utah Housing Market Facts
Salt Lake City and Provo-Orem have among the strongest job markets nationally.
Utah saw 35%+ home price growth from 2020-2022.
Utah Housing Corp provides below-market rates plus DPA options.
Advertisement