Mortgage rates have climbed to their highest levels in a year as the Federal Reserve held steady this week. For homebuyers in Utah, this means being strategic about timing and working with a lender who can shop multiple options to find your best rate.
Here is what the market looks like today:
| Loan Type | Rate | APR |
|---|---|---|
| 30-Year Fixed | 6.66% | 6.76% |
| 15-Year Fixed | 6.04% | 6.15% |
| VA 30-Year | 6.35% | 6.45% |
Source: Freddie Mac Primary Mortgage Market Survey, July 30, 2026; Bankrate.com, July 31, 2026
Rates are up from last week, with the 30-year fixed hitting its highest point since July 2025. If you are in the market, remember that you will own your home for years while rates bounce around. The key is finding the right loan for your situation today.
Ready to see what you qualify for? 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.
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