Utah Mortgage Rates — July 16, 2026

Good news for Utah homebuyers and homeowners — mortgage rates are holding steady today. The 30-year fixed rate sits at 6.625%, while the 15-year fixed has dropped to 6.000%, making it an attractive option for those looking to build equity faster. VA loans remain competitive at 6.000%, offering eligible military borrowers excellent value. Source: Zillow.com, July 16, 2026

With rates remaining relatively stable, now is a great time to lock in your rate or explore your refinancing options. Whether you are buying your first home or looking to lower your monthly payment, our team is here to help you find the right loan program.

Ready to get started? View our real-time rates or apply now for a personalized quote.

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.