Utah Mortgage Rates — July 20, 2026

Good news for homebuyers and homeowners in Utah — mortgage rates remain relatively stable as we head into late July. Today's 30-year fixed rates are hovering around 6.58%, while 15-year fixed options offer a competitive 6.00% for those looking to build equity faster. VA loan rates continue to provide excellent value for eligible veterans and active-duty service members at approximately 5.875%.

Source: Bankrate.com, Zillow.com, Veterans United — July 20, 2026

The market has shown resilience despite ongoing economic uncertainty, making this a favorable time to lock in a rate if you're shopping for a home or considering a refinance.

Ready to see your personalized rate? View real-time rates or apply now to get pre-approved with Integrity First Lending.

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.