Utah Mortgage Rates — April 22, 2026

Good news for Utah homebuyers — mortgage rates remain relatively stable as we move through late April. Today's 30-year fixed rate sits at 6.44%, keeping home financing accessible for those looking to purchase or refinance. The 15-year fixed option at 6.00% APR continues to offer significant interest savings for buyers who can manage the higher monthly payment.

For our veterans and active military, VA loan rates remain competitive at 5.375%, making this an excellent time to take advantage of your benefits. With no down payment required and no private mortgage insurance, VA loans continue to be one of the best financing options available.

Want to see how these rates look for your specific situation? Check our real-time rates page for live updates, or apply now to get a personalized rate quote tailored to your credit profile and loan needs.

Today's Rates

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.