Utah Mortgage Rates — July 23, 2026

Good news for Utah homebuyers — mortgage rates remain stable today. The national average for a 30-year fixed mortgage is holding at 6.65% (6.73% APR), while 15-year fixed rates are at 6.00% (6.11% APR). VA loans continue to offer excellent value for eligible veterans and active-duty service members at 6.51% (6.56% APR). With rates staying in this range, now is a smart time to lock in your financing. Source: Bankrate.com, July 23, 2026

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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