Good news for Utah homebuyers and homeowners — mortgage rates remain stable as we head into the weekend. The 30-year fixed rate is holding at 6.50%, while the 15-year fixed offers a lower rate of 5.875% for those looking to pay off their mortgage faster. VA loans continue to be an excellent option for eligible veterans and military members at 6.00%.
Source: Zillow.com, July 18, 2026
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| Loan Type | Rate | APR |
|---|---|---|
| 30-Year Fixed | 6.500% | 6.695% |
| 15-Year Fixed | 5.875% | 6.181% |
| VA 30-Year | 6.000% | 6.293% |
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.
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