Utah Mortgage Rates — March 31, 2026

Utah mortgage rates moved lower today, March 31, 2026, offering buyers and refinancers a bit of welcome relief to close out the month. The 30-year fixed rate dropped to 5.875%—a meaningful dip from yesterday's 6.000%—while the 15-year fixed also improved, starting at 5.125%.

Rates have been holding in a relatively tight range this week, but today's move suggests some positive momentum heading into April. If you've been watching rates and waiting for the right moment, today is worth a closer look.

See live rates updated throughout the day on our real-time rates page, or apply now and lock in today's rate with an IFL loan officer.

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.