Utah mortgage rates on April 3, 2026 are holding in the upper 5s for 30-year fixed loans and the low 5s for 15-year fixed — solid options as the spring homebuying season picks up across the Wasatch Front. The 30-year fixed is sitting at 5.875% (6.015% APR), while the 15-year fixed comes in at 5.125% (5.356% APR) for well-qualified borrowers. Spring is one of the best times to lock in a rate before summer competition heats up the market.
These rates are updated in real time — visit our real-time Utah mortgage rates page for the latest numbers, or apply now to get a personalized rate quote based on your specific situation.
| Loan Type | Rate | APR |
|---|---|---|
| 30-Year Fixed | 5.875% | 6.015% |
| 15-Year Fixed | 5.125% | 5.356% |
| VA 30-Year | Contact us | Contact us |
Rates shown are for informational purposes and subject to change without notice. Displayed rates are based on a 740 credit score, $400,000 appraised value, $300,000 loan amount. Individual rates depend on credit score, loan amount, down payment, loan type, and other factors. Contact an Integrity First Lending loan officer for a personalized rate quote.
Ready to see what rate you qualify for? Apply online or visit our real-time rates page to explore your options.
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