Utah Mortgage Rates — July 22, 2026

Good news for Utah homebuyers and homeowners looking to refinance — mortgage rates remain relatively stable this week. The 30-year fixed rate is holding steady around 6.625%, while the 15-year fixed offers a competitive 6.00% for those looking to build equity faster. VA loan rates continue to be an excellent option for eligible veterans and active-duty service members, with 30-year VA rates starting at 5.875%.

With the Federal Reserve signaling a cautious approach to future rate adjustments, now may be a good time to lock in your rate if you're in the market. View our real-time rates page for the most current numbers, or apply now to get a personalized quote tailored to your situation.

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.

Source: Bankrate.com, July 22, 2026