Top Home Lenders in Utah Offering the Best Mortgage Rates

The truth is, we win on rates… by a lot. We even guarantee it.

Trust us – we’ve got you covered when it comes to the lowest rates, most reliable service, and an astonishingly timely process.

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SHOP OUR RATES

Secure a home loan with our mortgage company in 3 easy steps

Ensure your home buying experience is stress-free with our top-notch loan team and simplified processes.

Find Your Best Rate

Consult with a loan officer and save big on your mortgage with low rates.

SEE TODAY’S RATES

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Secure Your Pre-Approval

Prepare to enter the market with the purchasing power of a pre-approval.

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Obtain Your Guarantees

Feel confident in your decisions with our commitment-driven pledges.

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Why Integrity First Lending?

Integrity is at the heart of our services - so fulfilling your home-buying needs with veracity is always our top priority.

Rate

We win on rates a lot.

Our mortgage rates are the best in the business, offering competitive programs and flexible qualification thresholds. Learn more about the rates you’re eligible for based on your finances and credit history.

advocacy

We’re invested in you for the long-haul.

We’re more than just a lender – we’re here to provide you with long-term mortgage and homeownership tools and resources, including refinancing options as-needed.

experience

You’ll receive a stress-free experience

Our team is committed to making the mortgage experience simple and easy for you, walking you through each step of the application and closing process.

Our two guarantees

We put money behind our promises.

Don’t just take our word for it – we back up our guarantees with our own financial commitment to clients.

Get Your Personalized Rate Quote

Efficient calculators

With one click, you’ll get an estimate of your monthly mortgage payments.

Take uncertainty out of the picture by determining the loan amount you qualify for today. We have an array of calculation tools and a team of expert mortgage loan officers to give you an accurate rate and walk you through the entire mortgage process.

CALCULATE YOUR PAYMENTS

LOWEST MORTGAGE RATES IN UTAH

Our team is your go-to for any mortgage refinancing needs

Looking to refinance your mortgage? Whether you’re trying to lower your monthly payments, lessen your loan term, or capitalize on the equity you’ve built up in your home, we’re here to help.

Our qualified mortgage loan officers can identify the ideal refinancing program based on your needs and work with you through every step to ensure a stress-free process.

get pre-approved today

Today’s Refinance Rates

15-yr fixed refinance

30-yr fixed refinance

Get A Rate Quote

Rates subject to change. Refinance based on 740 credit score. Appraised Value $400,000; Loan Amount $300,000.

Home Loans in Utah

Get Your Dream Home with Friendly, Knowledgeable Mortgage Lenders in Salt Lake City

Our Utah mortgage lenders are committed to helping you throughout the home buying process. Integrity First Lending is a mortgage company in Utah focused on fulfilling the promise of homeownership. We are competent, caring, and trusted Utah mortgage lenders. We value integrity and streamline the home loan process.

From the first call, we listen to your needs before building a home loan or refinance plan. We provide valuable tips and advice so that you’re able to make informed choices.

GIVE US A CALL

Utilize Our Numerous Homebuying Resources

We offer tools and assistance to clients with a variety of needs in the mortgage or homebuying world.

Buy a Home

Choose from our robust selection of loan programs, ranging from conventional loans through specialty programs like FHA, VA, USDA and others.

Learn More

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Refinance a Home

Move yourself into a more comfortable payment program, reduce your total interest or accomplish other goals through a mortgage refinance.

Learn More

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Our Calculators

We also offer handy mortgage calculators that will help you decipher payments, income threshold needs and other important factors as you determine the right approach to take.

Learn More

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What Kind of Home Loan is Right for Me?

Browse our innovative loan products to find a solution that suits your needs and budget. As one of the best mortgage lenders in Utah, you can count on us to keep you up-to-speed during the entire lending process.

Check Out Our Blog for Helpful Home-Buying Tips

July 23, 2026

Utah Mortgage Rates — July 23, 2026

Utah Mortgage Rates — July 23, 2026 Good news for Utah homebuyers — mortgage rates remain stable today. The national average for a 30-year fixed mortgage is holding at 6.65% (6.73% APR), while 15-year fixed rates are at 6.00% (6.11% APR). VA loans continue to offer excellent value for eligible veterans and active-duty service members […]

we go to bat for our borrowers

“There is a lot of hype about what a great lending company such-and-such is, but I can tell you from my recent personal experience that Integrity First Lending refinanced my home within in 10 days with no hassle. And I mean NO HASSLE. The individuals working for this organization are both professional and, if I may add personally, the nicest people I have ever worked with. Words cannot express how happy my wife and are that we found Integrity First Lending and will unhesitatingly recommend them to anyone looking for an initial or refinanced home loan.”
Joe L.
“What a fantastic team to work with. The commitment and communication with clients are the best. You will be in good hands working with Integrity First Lending. Highly recommended!”
Mike M.
“This is our second time working with Integrity First. Both times we shopped around, checking for the best rates. Integrity had the lowest fees, lower even than the mortgage company who already held our loan. We received excellent customer care each time.”
Mica T.
“Very easy company to work with! Painless refinance process and fast closing!”
Cody W.
“Integrity First Lending is professional, helpful, and knowledgeable. They communicated clearly and regularly, so that I always knew what was happening. They responded promptly to my questions. The process went very smoothly because of their expertise. I highly recommend this team!”
Becky B.
“The Integrity First team epitomizes a "customer-first" attitude. The team's responsiveness and timely communication make them stand out above the rest.”
Bruce C.
“Integrity First has a great team on individuals who made our refinance quick and easy. We were able to do everything ok online through their portal right up until we closed with the title company.”
Alison D.

4.8 rating

4.8 rating

4.8 rating

States We Operate In

As one of the best mortgage lenders in Utah, you can count on us to keep you up-to-speed during the entire lending process.

Utah

Colorado

Arizona

Texas

Idaho

California

Florida

Your Homeownership Dreams are a Click Away

Fill out this form and we’ll promptly contact you with a custom rate quote so that you can be more informed In your home purchase or refinance consideration.

GET STARTED FIND A LOAN OFFICER

Top Home Lenders in Utah Offering the Best Mortgage Rates

The truth is, we win on rates… by a lot. We even guarantee it.

Secure a home loan with our mortgage company in 3 easy steps

Find Your Best Rate

Secure Your Pre-Approval

Obtain Your Guarantees

Why Integrity First Lending?

Rate

We win on rates a lot.

advocacy

We’re invested in you for the long-haul.

experience

You’ll receive a stress-free experience

Our two guarantees

We put money behind our promises.

Efficient calculators

With one click, you’ll get an estimate of your monthly mortgage payments.

LOWEST MORTGAGE RATES IN UTAH

Our team is your go-to for any mortgage refinancing needs

Today’s Refinance Rates

15-yr fixed refinance

30-yr fixed refinance

Home Loans in Utah

Get Your Dream Home with Friendly, Knowledgeable Mortgage Lenders in Salt Lake City

Utilize Our Numerous Homebuying Resources

Buy a Home

Refinance a Home

Our Calculators

What Kind of Home Loan is Right for Me?

New Home Loans

VA Home Loans

Refinance Loans

Renovation Loans

First-time Home Loans

Investment Property Loans

Check Out Our Blog for Helpful Home-Buying Tips

we go to bat for our borrowers

Joe L.

Mike M.

Mica T.

Cody W.

Becky B.

Bruce C.

Alison D.

States We Operate In

Your Homeownership Dreams are a Click Away

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