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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
Find Your Best Rate
Consult with a loan officer and save big on your mortgage with low rates.
SEE TODAY’S RATES
»
Secure Your Pre-Approval
Secure Your Pre-Approval
Prepare to enter the market with the purchasing power of a pre-approval. 
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Obtain Your Guarantees
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

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.
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ADVOCACY

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.
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EXPERIENCE

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.
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OUR TWO GUARANTEES

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.

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.
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Today’s Refinance Rates

15-yr fixed refinance


30-yr fixed refinance

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

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
Buy a Home
Choose from our robust selection of loan programs, ranging from conventional loans through specialty programs like FHA, VA, USDA and others.
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»
Refinance a Home
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
»
Our Calculators
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.
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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

April 30, 2026
Utah Mortgage Rates — April 30, 2026

Utah Mortgage Rates — April 30, 2026 Good news for Utah homebuyers and homeowners — mortgage rates are holding relatively steady as we approach the end of April. The 30-year fixed rate remains in the mid-6% range, offering stability for those looking to lock in their rate. The Federal Reserve has signaled a cautious approach […]

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April 28, 2026
Utah Mortgage Rates — April 28, 2026

Utah Mortgage Rates — April 28, 2026 Good morning! Today's mortgage rates remain stable as we move through late April. The 30-year fixed rate is holding at 6.750%, while the 15-year fixed offers a competitive 6.125% for those looking to build equity faster. VA loans continue to provide excellent value for eligible veterans and active-duty […]

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April 27, 2026
Utah Mortgage Rates — Week of April 27, 2026

Welcome to this week's mortgage rate update for Utah homebuyers and homeowners. If you've been watching the market, you know that even small shifts in interest rates can make a meaningful difference in your monthly payment and overall buying power. Here's what you need to know as we kick off the week. Current Mortgage Rates […]

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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.

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.
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Utah
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Colorado
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Arizona
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Texas
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Idaho
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California
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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.
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Equal Housing Lender

Equal Housing Lender. Integrity First Lending.
NMLS # 1006977
AZ License # 1004274

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