Utah mortgage rates today
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- -Lender fees
- $0 guaranteed
- -Cost to buy a lower rate
- $4,620
- -Other closing costs
- $8,000-$12,000
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Compare Utah mortgage lenders: 30-year fixed rates and fees
| Lender | Estimated avg. rate range* | Lender fees‡ | Median total loan costs (UT)** | Customer reviews |
|---|---|---|---|---|
| Tomo Mortgage | 6.97% – 7.19% | $0 | $2,464† | Highly rated |
| Utah Community Credit Union | 6.97% – 7.19% | $825 | $7,143 | Below average |
| Cyprus Federal Credit Union | 6.97% – 7.19% | $850 | $7,850 | Average |
| PenFed Credit Union | 6.97% – 7.19% | $995 | $6,564 | Average |
| America First Credit Union | 7.19% – 7.50% | $0 – $1345 | $5,304 | — |
| American Pacific Mortgage Corp | 7.19% – 7.50% | $1690 | $8,823 | — |
| Benchmark Mortgage | 7.19% – 7.50% | $1095 | $6,201 | — |
| Belem Servicing, LLC DBA Patriot | 7.19% – 7.50% | $1490 | $4,928 | — |
| CMG Mortgage Inc. | 7.19% – 7.50% | $1485 | $11,001 | — |
| CrossCountry Mortgage, LLC | 7.19% – 7.50% | $1490 | $10,108 | — |
| Fairway Independent Mortgage Corp | 7.19% – 7.50% | $1595 | $6,932 | — |
| Guaranteed Rate Affinity, LLC | 7.19% – 7.50% | $1440 | $7,225 | — |
| Guaranteed Rate, Inc. | 7.19% – 7.50% | $1440 | $7,090 | — |
| Homeside Financial, LLC | 7.19% – 7.50% | $1365 | $8,279 | — |
| Huntington National Bank | 7.19% – 7.50% | $1088 | $6,407 | — |
| Intercap Lending Inc. | 7.19% – 7.50% | $1588 | $7,579 | — |
| Mason-McDuffie Mortgage Corporation | 7.19% – 7.50% | $1390 | $10,577† | — |
| Nations Reliable Lending LLC | 7.19% – 7.50% | $1780 | N/A | — |
| NBH Bank | 7.19% – 7.50% | $995 | $11,129 | — |
| Northpointe Bank | 7.19% – 7.50% | $1205 | $12,993 | — |
| On Q Financial, Inc. | 7.19% – 7.50% | $1395 | N/A | — |
| Pacific Residential Mortgage | 7.19% – 7.50% | $1595 | N/A | — |
| PrimeLending | 7.19% – 7.50% | $1385 | $10,310 | — |
| Security Home Mortgage, LLC. | 7.19% – 7.50% | $1748 | $9,388 | — |
| Sun American Mortgage Company | 7.19% – 7.50% | $1335 | $5,154 | — |
| SWBC Mortgage Corporation | 7.19% – 7.50% | $895 | $4,846 | — |
| Synergy One Lending | 7.19% – 7.50% | $1590 | $7,328 | — |
| V.I.P. Mortgage, Inc. | 7.19% – 7.50% | $1750 | $7,575 | — |
| Van Dyk Mortgage Corporation | 7.19% – 7.50% | $1495 | $10,859 | — |
*Lenders shown are those that TrueRate®, a Tomo Mortgage tool, estimates are likely to offer low rates in Utah. Estimates are based on rate lock data from the last three years for 30-year fixed-rate conventional conforming purchase loans on primary residences, with FICO scores of 620–850 and LTVs up to 97%. These are historical locked rates, not current offers. Your rate will depend on factors such as credit score, loan-to-value ratio, loan amount, points paid, and market conditions.
**Median total loan costs on home purchase loans for primary residences in Utah, 2025. Source: CFPB/FFIEC Home Mortgage Disclosure Act (HMDA) data. Includes lender charges (including any discount points) and third-party costs such as appraisal and title; excludes taxes and government fees.
†Based on fewer than 10 loans reported under HMDA; may not be representative.
‡ Fee estimates use 2024 HMDA loan data and Federal Reserve Bank of Philadelphia methodology, with adjustments for incomplete data; actual fees may vary. Tomo Mortgage charges no lender fees on purchase or refinance loans; third-party costs still apply.
Where Utah mortgage rates stand November 14, 2026
Utah lenders' average 30-year fixed interest rate ranged from 7.19% – 7.50% as of November 14, 2026, according to TrueRate. Freddie Mac's national 30-year fixed average was 7.24% as of October 29, 2026, down from 7.32% the week before and 6.17% a year earlier (Freddie Mac PMMS).
Why Utah rate quotes don't line up across websites
A Utah rate on one site and a Utah rate on another are usually answers to different questions. Three things decide the number you see: whether it's a state or national figure, which borrower it describes, and whether discount points are baked in.
Freddie Mac PMMS averages applications from lenders nationwide, so it isn't a Utah number. It tracks conventional purchase loans within conforming limits for borrowers with good to excellent credit (Freddie Mac).
TrueRate by Tomo Mortgage ranks Utah lenders at their zero-point (par) rate, using real rates given to home buyers over the last three years (TrueRate methodology).
Advertised rates often assume you buy discount points, which is interest you prepay at closing. Set a points-included rate beside a zero-point quote and the comparison falls apart.
Is your Utah rate quote competitive? A four-step check
Start by asking every lender for a zero-point quote, then hold it against TrueRate's Utah range for your loan details on the same day. A rate above that range is a specific reason to push the lender for a better offer or to shop one more.
Request Loan Estimates the same day. Rates reset daily, and the Loan Estimate is a standardized federal form, so same-day estimates line up. Here's what to look for on a Loan Estimate.
Make the terms identical. Loan type, term, lock period, and the number of discount points all need to match before the rates mean anything side by side.
Read the interest rate and APR as separate numbers. Your monthly principal and interest comes from the interest rate. The APR adds certain lender charges, so two quotes at one rate can carry different APRs.
Go to Section A, Origination Charges. Points and origination fees show up there.
Get pre-approved with Tomo Mortgage
Get startedThe cost of a quarter point on a Utah home
On a typical Utah purchase, a quarter-point difference in interest rate moves the monthly principal-and-interest payment by about $72. The example below uses Utah's statewide median sale price of $530,000 in September 2026 (Utah Association of REALTORS®).
- Loan amount after a 20% down payment: $424,000, repaid over 30 years (360 payments).
- At a 7.24% interest rate (Freddie Mac's national average as of October 29, 2026): $2,889.55 a month in principal and interest.
- At 7.49%: $2,961.77 a month, which is $72.21 more, or about $25,997 over all 360 payments.
(This illustrates principal and interest only and isn't an offer of credit. It excludes property taxes, homeowners insurance, and mortgage insurance, and assumes no points or fees.)
Utah buyers borrow more than the national norm, so every rate difference costs them more. The average home-purchase loan originated in Utah in 2025 was $485,109, against $404,190 nationally (HMDA data; mean of all originated purchase loans). Run your own numbers with Tomo Mortgage's mortgage affordability calculator.
Utah closing costs: recording fees, no transfer tax, and timing
Utah charges no real estate transfer tax, so the government's share of your closing costs is a flat recording fee per document. Almost everything else on your Loan Estimate comes from lender charges and third-party services.
No transfer tax:
Nothing is collected on the sale price when the deed is recorded (Salt Lake County Recorder via Deeds.com).
County recording fee:
$40 per document in Salt Lake and Utah counties, and $45 in most other counties since May 6, 2026, when HB 38 added $5 to the fee in most counties outside those two (Salt Lake County Recorder; Weber County Recorder). The fee is flat, so the price of the home doesn't change it.
Tomo Mortgage's Utah purchase loans close in 32.7 days on average. (Source: Tomo Mortgage, conventional loans measured across the last 12 months, measured as of October 2026)
Utah property tax exemption and earthquake coverage
Principal and interest is only part of the monthly cost; property taxes and homeowners insurance sit on top. In Utah, two details catch new owners: the primary residence exemption has to be claimed, and standard insurance leaves out earthquakes.
Property tax:
A primary residence is taxed on 55% of its market value because Utah exempts the other 45%. The exemption doesn't transfer automatically to a new owner, so file the residential property declaration with your county. Late applications aren't accepted after September 15, and a home without the exemption is taxed on its full market value (Utah State Tax Commission).
Insurance:
A typical Utah homeowners policy doesn't cover earthquake or flood damage. Earthquake coverage is sold as an endorsement or a separate policy, and its deductible is a percentage of the coverage limit, applied to each coverage separately (Utah Insurance Department).
Questions Utah buyers ask about mortgage rates
As of November 14, 2026, the average interest rate on a 30-year fixed conventional mortgage from Utah lenders ranged from 7.19% – 7.50%, according to TrueRate. Your rate depends on your credit score, loan amount, down payment, loan type, and the number of discount points you pay.
The 2026 conforming limit for a one-unit home in Salt Lake County is $832,750, the national baseline, according to FHFA. Summit and Wasatch counties, which include Park City and Heber, have a higher limit of $1,150,000.
No. Utah collects no transfer tax on home sales. You pay a flat county recording fee per document instead: $40 in Salt Lake and Utah counties and $45 in most others.
Tomo Mortgage's Utah purchase loans have closed in 32.7 days on average. For comparison, the industry average is ~45 days.