Mortgage Rates Utah (UT) for March 2026
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Brian McKay
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Editorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of lenders actively lending in Utah. Our editorial content is independent of any advertiser relationships.
Current mortgage rates in Utah as of March 20, 2026 are as follows, according to verified data from MonitorBankRates: Jordan Federal Credit UnionJordan Federal Credit Union1750 West 11400 South #200, Draper, UT, 84020A+5.0 ★Texas Ratio: 3.01% at 5.75%, Goldenwest Federal Credit UnionGoldenwest Federal Credit Union1020 E 800 N, Bluffdale, UT, 84009 7152A+5.0 ★Texas Ratio: 2.10% at 5.75%, Baxter Credit UnionBaxter Credit Union12050 S Lone Peak Pkwy, Draper, UT, 84020 9414A5.0 ★Texas Ratio: 7.73% at 6.00%, America First Federal Credit UnionAmerica First Federal Credit Union1001 S 1200 W, American Fork, UT, 84003A5.0 ★Texas Ratio: 8.12% at 6.00%, and Utah Power Credit UnionUtah Power Credit Union100 W 200 N, Helper, UT, 84066 5004A+5.0 ★Texas Ratio: 1.01% at 5.99%.
Mortgage rates in Utah (UT) are continually updated to reflect market conditions. Whether you are purchasing a home or refinancing, comparing current loan options across top-rated local lenders and national banks is critical. We empower borrowers with transparent financial health metrics — including A-F Safety Grades, verified Star Ratings, and Texas Ratios — so you can confidently choose a stable, highly-rated institution.
Mortgage Rates reflect actual verified offers from lenders actively lending to Utah borrowers. Your final approved rate will depend on your credit profile, loan-to-value ratio, and daily market movements. Last Updated and Verified: March 20, 2026
Utah Mortgage Rate Trends
Compare local Utah mortgage rate quotes against the statewide average
Weekly mortgage rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
30-Year Fixed — UT Avg
6.261%
▲ 0.176 from last week
For buyers in Utah, the broader Utah 30-year fixed average mortgage rate rose 0.176 points this week to 6.261%, according to MonitorBankRates trend data.
15-Year Fixed — UT Avg
6.120%
▼ 1.651 from last week
For buyers in Utah, the broader Utah 15-year fixed average mortgage rate fell 1.651 points this week to 6.120%, according to MonitorBankRates trend data.
As of Mar 20, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Compare Mortgage Rates Today in Utah
Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Jordan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
1750 West 11400 South #200, Draper, UT, 84020
30 Year Mortgage
5.75%
5.86%
▼
Rate5.75%
APR5.86%
Points0.000
UpdatedMar 17, 2026
Details
No additional details available.
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
1020 E 800 N, Bluffdale, UT, 84009 7152
30 Year Fixed Loan
5.75%
5.93%
▼
Rate5.75%
APR5.93%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
12050 S Lone Peak Pkwy, Draper, UT, 84020 9414
30-Year Fixed Mortgage
6.00%
6.00%
▼
Rate6.00%
APR6.00%
Points0.000
UpdatedMar 18, 2026
Details
As Low As; POINTS MAY APPLY
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
1001 S 1200 W, American Fork, UT, 84003
30 Year Fixed
6.00%
6.12%
▼
Rate6.00%
APR6.12%
Points0.250
UpdatedMar 17, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
12050 S Lone Peak Pkwy, Draper, UT, 84020 9414
30 Year Fixed
30
6.00%
6.16%
▼
Rate6.00%
APR6.16%
Points0.625
UpdatedMar 18, 2026
Details
As Low As
Utah Power Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
100 W 200 N, Helper, UT, 84066 5004
30-year Fixed Mortgage
5.99%
6.19%
▼
Rate5.99%
APR6.19%
Points0.000
UpdatedMar 15, 2026
Details
Rates are as of 3/12/2026 and are subject to change. Annual Percentage Rate based on $400,000 loan and 20% minimum equity. Other rates and terms available contact the mortgage department.
State Bank of Southern Utah
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
122 S Main St, Cedar City, UT, 84624
30 Year Fixed
6.12%
6.30%
▼
Rate6.12%
APR6.30%
Points0.000
UpdatedMar 11, 2026
Details
As Low As
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1 S Main St, American Fork, UT, 84003
30-Year Fixed Rate
6.25%
6.40%
▼
Rate6.25%
APR6.40%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1004 W Clark Ln, Bountiful, UT, 84010
30-year fixed refinance
30-year
6.38%
6.54%
▼
Rate6.38%
APR6.54%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Security Service Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
10404 S Redwood Rd, American Fork, UT, 84003
30-Year Fixed
6.50%
6.57%
▼
Rate6.50%
APR6.57%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
1001 S 1200 W, American Fork, UT, 84003
30 Year Fixed
30 Year
6.75%
6.84%
▼
Rate6.75%
APR6.84%
Points-0.375
UpdatedMar 17, 2026
Details
As Low As
Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
12050 S Lone Peak Pkwy, Draper, UT, 84020 9414
15-Year Fixed Mortgage
5.38%
5.38%
▼
Rate5.38%
APR5.38%
Points0.000
UpdatedMar 18, 2026
Details
As Low As; POINTS MAY APPLY
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
1001 S 1200 W, American Fork, UT, 84003
15 Year Fixed
5.25%
5.50%
▼
Rate5.25%
APR5.50%
Points0.625
UpdatedMar 17, 2026
Details
As Low As
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
1020 E 800 N, Bluffdale, UT, 84009 7152
15 Year Fixed Loan
5.25%
5.53%
▼
Rate5.25%
APR5.53%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
12050 S Lone Peak Pkwy, Draper, UT, 84020 9414
15 Year Fixed
15
5.38%
5.65%
▼
Rate5.38%
APR5.65%
Points0.750
UpdatedMar 18, 2026
Details
As Low As
Utah Power Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
100 W 200 N, Helper, UT, 84066 5004
15-year Fixed Mortgage
5.38%
5.69%
▼
Rate5.38%
APR5.69%
Points0.000
UpdatedMar 15, 2026
Details
Rates are as of 3/12/2026 and are subject to change. Annual Percentage Rate based on $400,000 loan and 20% minimum equity. Other rates and terms available contact the mortgage department.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1 S Main St, American Fork, UT, 84003
15-Year Fixed Rate
5.50%
5.73%
▼
Rate5.50%
APR5.73%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
1001 S 1200 W, American Fork, UT, 84003
15 Year Fixed
15 Year
5.75%
5.90%
▼
Rate5.75%
APR5.90%
Points-0.250
UpdatedMar 17, 2026
Details
As Low As
State Bank of Southern Utah
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
122 S Main St, Cedar City, UT, 84624
15 Year Fixed
5.62%
5.90%
▼
Rate5.62%
APR5.90%
Points0.000
UpdatedMar 11, 2026
Details
As Low As
Security Service Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
10404 S Redwood Rd, American Fork, UT, 84003
15-Year Fixed
6.00%
6.10%
▼
Rate6.00%
APR6.10%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.38%
1047 S Highway 191, Altamont, UT, 84001
Second mortgage 15-year fixed rate
7.50%
7.79%
▼
Rate7.50%
APR7.79%
Points0.000
UpdatedMar 20, 2026
Details
As Low As
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
273 W 500 S, Bountiful, UT, 84010
15-Year Fixed Rate
15-Year
8.17%
7.99%
▼
Rate8.17%
APR7.99%
Points0.000
UpdatedMar 18, 2026
Details
As Low As
Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
1155 W Park Lane, American Fork, UT, 84003
5/1 Adjustable
30 Years
5.38%
5.42%
▼
Rate5.38%
APR5.42%
Points0.000
UpdatedMar 17, 2026
Details
No additional details available.
Security Service Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
10404 S Redwood Rd, American Fork, UT, 84003
10/1-Year Adjustable Rate Mortgage Jumbo
5.88%
6.03%
▼
Rate5.88%
APR6.03%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Utah Power Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
100 W 200 N, Helper, UT, 84066 5004
30/15-year Fixed Mortgage
5.87%
6.07%
▼
Rate5.87%
APR6.07%
Points0.000
UpdatedMar 15, 2026
Details
Rates are as of 3/12/2026 and are subject to change. Annual Percentage Rate based on $400,000 loan and 20% minimum equity. Other rates and terms available contact the mortgage department.
Security Service Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
10404 S Redwood Rd, American Fork, UT, 84003
15/15-Year Adjustable Rate Mortgage Jumbo
6.00%
6.07%
▼
Rate6.00%
APR6.07%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Security Service Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
10404 S Redwood Rd, American Fork, UT, 84003
15/15-Year Adjustable Rate Mortgage
6.00%
6.11%
▼
Rate6.00%
APR6.11%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Granite Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
10507 S Redwood Rd, Midvale, UT, 84047 1436
30-Year - 7/6 mo ARM
30-Year
6.00%
6.14%
▼
Rate6.00%
APR6.14%
Points1.000
UpdatedMar 20, 2026
Details
No additional details available.
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
5770 S Missile Way BLDG 5, CLEARFIELD, UT, 84016
5/1 ARM
5.62%
6.14%
▼
Rate5.62%
APR6.14%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
5770 S Missile Way BLDG 5, CLEARFIELD, UT, 84016
Jumbo 5/1 ARM
5.75%
6.15%
▼
Rate5.75%
APR6.15%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
5770 S Missile Way BLDG 5, CLEARFIELD, UT, 84016
3/1 ARM
5.50%
6.17%
▼
Rate5.50%
APR6.17%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
12050 S Lone Peak Pkwy, Draper, UT, 84020 9414
5/1 Year ARM
5.12%
6.17%
▼
Rate5.12%
APR6.17%
Points1.000
UpdatedMar 18, 2026
Details
As Low As
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.38%
1047 S Highway 191, Altamont, UT, 84001
7/6 Adjustable-rate mortgage
5.50%
6.18%
▼
Rate5.50%
APR6.18%
Points0.000
UpdatedMar 20, 2026
Details
As Low As
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1004 W Clark Ln, Bountiful, UT, 84010
Jumbo adjustable-rate mortgage (ARM) loans 5/1 yr
5/1 yr
5.75%
6.20%
▼
Rate5.75%
APR6.20%
Points0.680
UpdatedMar 15, 2026
Details
No additional details available.
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
5770 S Missile Way BLDG 5, CLEARFIELD, UT, 84016
Jumbo 3/1 ARM
5.63%
6.21%
▼
Rate5.63%
APR6.21%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1004 W Clark Ln, Bountiful, UT, 84010
Jumbo adjustable-rate mortgage (ARM) loans 7/1 yr
7/1 yr
5.88%
6.21%
▼
Rate5.88%
APR6.21%
Points0.760
UpdatedMar 15, 2026
Details
No additional details available.
Security Service Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
10404 S Redwood Rd, American Fork, UT, 84003
10/1-Year Adjustable Rate Mortgage
5.88%
6.25%
▼
Rate5.88%
APR6.25%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.38%
1047 S Highway 191, Altamont, UT, 84001
10/6 Adjustable-rate mortgage
5.88%
6.26%
▼
Rate5.88%
APR6.26%
Points0.000
UpdatedMar 20, 2026
Details
As Low As
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1 S Main St, American Fork, UT, 84003
7/6-Month ARM
5.88%
6.27%
▼
Rate5.88%
APR6.27%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
5770 S Missile Way BLDG 5, CLEARFIELD, UT, 84016
7/1 ARM
6.12%
6.27%
▼
Rate6.12%
APR6.27%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
5770 S Missile Way BLDG 5, CLEARFIELD, UT, 84016
Jumbo 7/1 ARM
6.13%
6.27%
▼
Rate6.13%
APR6.27%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1004 W Clark Ln, Bountiful, UT, 84010
Conforming adjustable-rate mortgage (ARM) loans 7/6 mo
7/6 mo
5.88%
6.29%
▼
Rate5.88%
APR6.29%
Points0.932
UpdatedMar 15, 2026
Details
No additional details available.
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.38%
1047 S Highway 191, Altamont, UT, 84001
5/6 Adjustable-rate mortgage
5.50%
6.31%
▼
Rate5.50%
APR6.31%
Points0.000
UpdatedMar 20, 2026
Details
As Low As
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1004 W Clark Ln, Bountiful, UT, 84010
Jumbo adjustable-rate mortgage (ARM) loans 10/1 yr
10/1 yr
6.12%
6.32%
▼
Rate6.12%
APR6.32%
Points0.725
UpdatedMar 15, 2026
Details
No additional details available.
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1004 W Clark Ln, Bountiful, UT, 84010
Conforming adjustable-rate mortgage (ARM) loans 10/6 mo
10/6 mo
6.12%
6.38%
▼
Rate6.12%
APR6.38%
Points0.936
UpdatedMar 15, 2026
Details
No additional details available.
Utah Power Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
100 W 200 N, Helper, UT, 84066 5004
1st Time Home Buyer 30/15-year Fixed Mortgage
6.62%
6.81%
▼
Rate6.62%
APR6.81%
Points0.000
UpdatedMar 15, 2026
Details
Rates are as of 3/12/2026 and are subject to change. Annual Percentage Rate based on $400,000 loan and 5% minimum equity. Other rates and terms available contact the mortgage department.
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.38%
1047 S Highway 191, Altamont, UT, 84001
7/6 First-time homebuyer Adjustable-rate mortgage
6.75%
6.87%
▼
Rate6.75%
APR6.87%
Points0.000
UpdatedMar 20, 2026
Details
As Low As
Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Security Service Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
10404 S Redwood Rd, American Fork, UT, 84003
10-Year Power Rate Fixed Jumbo
4.88%
5.15%
▼
Rate4.88%
APR5.15%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Security Service Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
10404 S Redwood Rd, American Fork, UT, 84003
15-Year Power Rate Fixed Jumbo
5.00%
5.20%
▼
Rate5.00%
APR5.20%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Security Service Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
10404 S Redwood Rd, American Fork, UT, 84003
20-Year Power Rate Fixed Jumbo
5.62%
5.79%
▼
Rate5.62%
APR5.79%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Security Service Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
10404 S Redwood Rd, American Fork, UT, 84003
30-Year Power Rate Fixed Jumbo
5.75%
5.87%
▼
Rate5.75%
APR5.87%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Security Service Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
10404 S Redwood Rd, American Fork, UT, 84003
10-Year Fixed Jumbo
5.88%
5.94%
▼
Rate5.88%
APR5.94%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Security Service Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
10404 S Redwood Rd, American Fork, UT, 84003
15-Year Fixed Jumbo
6.00%
6.05%
▼
Rate6.00%
APR6.05%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Security Service Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
10404 S Redwood Rd, American Fork, UT, 84003
20-Year Fixed Jumbo
6.12%
6.17%
▼
Rate6.12%
APR6.17%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
12050 S Lone Peak Pkwy, Draper, UT, 84020 9414
Jumbo 30 Year Fixed
30
6.12%
6.26%
▼
Rate6.12%
APR6.26%
Points1.000
UpdatedMar 18, 2026
Details
As Low As
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1004 W Clark Ln, Bountiful, UT, 84010
Jumbo loans 15-year
15-year
6.25%
6.49%
▼
Rate6.25%
APR6.49%
Points0.640
UpdatedMar 15, 2026
Details
No additional details available.
Security Service Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
10404 S Redwood Rd, American Fork, UT, 84003
30-Year Fixed Jumbo
6.50%
6.53%
▼
Rate6.50%
APR6.53%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1004 W Clark Ln, Bountiful, UT, 84010
Jumbo loans 20-year
20-year
6.38%
6.58%
▼
Rate6.38%
APR6.58%
Points0.735
UpdatedMar 15, 2026
Details
No additional details available.
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1004 W Clark Ln, Bountiful, UT, 84010
Jumbo loans 30-year
30-year
6.50%
6.65%
▼
Rate6.50%
APR6.65%
Points0.685
UpdatedMar 15, 2026
Details
No additional details available.
Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
1155 W Park Lane, American Fork, UT, 84003
FHA
15 Years
4.75%
5.09%
▼
Rate4.75%
APR5.09%
Points0.000
UpdatedMar 17, 2026
Details
No additional details available.
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
1155 W Park Lane, American Fork, UT, 84003
FHA
30 Years
5.25%
5.45%
▼
Rate5.25%
APR5.45%
Points0.000
UpdatedMar 17, 2026
Details
No additional details available.
Chartway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
1025 W Red Cliffs Dr, Cedar City, UT, 84029
FHA
30 Years
5.38%
5.93%
▼
Rate5.38%
APR5.93%
Points0.500
UpdatedMar 18, 2026
Details
No additional details available.
Chartway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
1025 W Red Cliffs Dr, Cedar City, UT, 84029
FHA
15 Years
5.50%
5.93%
▼
Rate5.50%
APR5.93%
Points0.125
UpdatedMar 18, 2026
Details
No additional details available.
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
1020 E 800 N, Bluffdale, UT, 84009 7152
20 Year Fixed FHA Mortgage
5.25%
6.08%
▼
Rate5.25%
APR6.08%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
1020 E 800 N, Bluffdale, UT, 84009 7152
30 Year Fixed FHA Mortgage
5.49%
6.15%
▼
Rate5.49%
APR6.15%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
1020 E 800 N, Bluffdale, UT, 84009 7152
15 Year Fixed FHA Mortgage
5.49%
6.17%
▼
Rate5.49%
APR6.17%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
1001 S 1200 W, American Fork, UT, 84003
FHA 30 Year
5.50%
6.33%
▼
Rate5.50%
APR6.33%
Points0.375
UpdatedMar 17, 2026
Details
As Low As
State Bank of Southern Utah
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
122 S Main St, Cedar City, UT, 84624
FHA
5.49%
6.50%
▼
Rate5.49%
APR6.50%
Points0.000
UpdatedMar 11, 2026
Details
As Low As
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1004 W Clark Ln, Bountiful, UT, 84010
Federal Housing Administration (FHA) loans 30-year
30-year
5.88%
6.76%
▼
Rate5.88%
APR6.76%
Points0.932
UpdatedMar 15, 2026
Details
No additional details available.
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
1001 S 1200 W, American Fork, UT, 84003
Utah Housing FHA
6.38%
7.20%
▼
Rate6.38%
APR7.20%
Points0.000
UpdatedMar 17, 2026
Details
As Low As
Security Service Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
10404 S Redwood Rd, American Fork, UT, 84003
15-Year FHA
7.00%
7.46%
▼
Rate7.00%
APR7.46%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Security Service Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
10404 S Redwood Rd, American Fork, UT, 84003
30-Year FHA
7.25%
7.54%
▼
Rate7.25%
APR7.54%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
1020 E 800 N, Bluffdale, UT, 84009 7152
30 Year Fixed VA Mortgage
5.50%
5.65%
▼
Rate5.50%
APR5.65%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1 S Main St, American Fork, UT, 84003
30-Year Fixed-Rate VA
5.62%
5.82%
▼
Rate5.62%
APR5.82%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
1001 S 1200 W, American Fork, UT, 84003
VA 30 Year
5.50%
5.98%
▼
Rate5.50%
APR5.98%
Points0.500
UpdatedMar 17, 2026
Details
As Low As
Zions Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
1 S Main St, American Fork, UT, 84003
30-Year VA Fixed
30
5.88%
6.18%
▼
Rate5.88%
APR6.18%
Points0.000
UpdatedMar 15, 2026
Details
Advertised APR assumes excellent credit. Your APR may be higher.
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1004 W Clark Ln, Bountiful, UT, 84010
Veterans Affairs (VA) loans 30-year
30-year
6.12%
6.46%
▼
Rate6.12%
APR6.46%
Points0.509
UpdatedMar 15, 2026
Details
No additional details available.
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
1020 E 800 N, Bluffdale, UT, 84009 7152
15 Year Fixed VA Mortgage
6.12%
6.46%
▼
Rate6.12%
APR6.46%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
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MonitorBankRates
The mortgage rates displayed are verified and sourced directly from the official websites of the listed financial institutions. Your final approved rate will depend on your specific credit history, credit score, loan amount, and down payment.
Banks and Credit Unions: If you need to update your rate data or request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you need to update your rate data or request removal from MonitorBankRates.com, please contact us here.
Mortgage Calculators
Methodology & Data Sources
Direct-Sourced & Verified Mortgage Rate Data: We aggregate mortgage and refinance rates for Utah directly from the official websites of local lenders, credit unions, and national mortgage originators using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every rate displayed is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available home loan products in Utah. We feature a comprehensive mix of licensed NMLS financial institutions — from neighborhood credit unions and competitive regional banks to large national originators available to borrowers in UT.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update mortgage rates daily. Because rates and APRs can fluctuate rapidly based on bond markets and economic conditions, every loan product features its own “last updated” date for full transparency.
Proprietary Lender Health & Safety Grades: Beyond tracking rates, MonitorBankRates evaluates the financial stability of every listed institution. Our Health Grades (A+ to F) and Star Ratings are composite metrics calculated using objective regulatory data — including the Texas Ratio — ensuring you compare rates from secure, reliable lenders.
Frequently Asked Questions about Mortgage Rates in Utah
How does my credit score affect my rate in Utah?
Your credit score is a major factor. Generally, borrowers in Utah with higher credit scores (760+) receive the lowest interest rates.
What is a 30-Year Fixed Mortgage?
A 30-year fixed-rate mortgage is a home loan where the interest rate remains the same for the entire 30-year term. It is the most popular type of mortgage in Utah because it offers lower monthly payments compared to shorter-term loans.
What are closing costs in Utah?
Closing costs are fees paid at the end of a real estate transaction, typically ranging from 2% to 5% of the loan amount. In Utah, these may include appraisal fees, title insurance, and recording fees.
Should I lock my mortgage rate?
If you are satisfied with the current rate and worried rates might rise before closing on your home in Utah, locking your rate is a good idea. It guarantees your rate for a specific period.
What is an Adjustable-Rate Mortgage (ARM)?
An ARM has an interest rate that can change over time. It usually starts with a lower fixed rate for a period (e.g., 5 years) before adjusting annually based on market indices.
What is a Jumbo Loan in Utah?
A Jumbo Loan exceeds the conforming loan limits set by the FHFA. In high-cost areas of Utah, these limits are higher. These loans typically require stronger credit and larger down payments.
Do I need 20% down to buy a house in Utah?
No. While 20% avoids Private Mortgage Insurance (PMI), many lenders in Utah offer loans with as little as 3% or 3.5% down (FHA). VA loans may require no down payment.
What is the difference between Interest Rate and APR?
The interest rate is the cost of borrowing the principal. The APR (Annual Percentage Rate) includes the interest rate plus other costs like points and fees, giving a truer cost of the loan.
How do I find the best lender in Utah?
Compare rates from multiple sources including local banks, credit unions, and online lenders using the tables on this page to find the best offer for your situation.
What are the best Mortgage rates in Utah?
- Jordan Federal Credit Union: 5.75% (30 Year Mortgage)
- Goldenwest Federal Credit Union: 5.75% (30 Year Fixed Loan)
- Baxter Credit Union: 6.00% (30-Year Fixed Mortgage)
- America First Federal Credit Union: 6.00% (30 Year Fixed)
- Utah Power Credit Union: 5.99% (30-year Fixed Mortgage)
Mortgage Rates reflect actual verified offers from lenders actively lending to Utah borrowers. Your final approved rate will depend on your credit profile, loan-to-value ratio, and daily market movements. Last Updated and Verified: March 20, 2026
Utah Rates & Resources
Mortgage Rates by City in Utah
