Compare Mortgage Rates

  • Refinance
  • Home Purchase
  • Home Equity
  • Debt Consolidation

Powered by SecureRights™
Include 1st & 2nd mortgages plus any equity loans or credit lines
Verisign
Powered by SecureRights™
Verisign
Powered by SecureRights™
Verisign
Powered by SecureRights™
Verisign

Utah Mortgages at a glance

Average 25th Percentile 50th Percentile 75th Percentile
Loan Amount $201,558 $127,500 $172,500 $225,000
Property Values $275,802 $62,500 $215,000 $315,000
Average LTV 78.1%
Percent Refinance 84.9%
Pct of Refis Cashout 12.0%

Utah Mortgage Rates

Be prepared to ask many questions as you search for the best rate Utah mortgage. You'll probably run across terms you don't know, including concepts like 10/1 adjustables, balloon mortgages, FRMs, and HELOCs. Fortunately, you can learn almost anything about mortgages at Mortgageloan.com. The articles and definitions are great research tools covering many topics, including first mortgages, second mortgages, debt management, and equity loans. The mortgage calculators allow you to experiment with mortgage loan types, risk-free.

Amerisave

4.323%APR

Rates as of: 9/18/2014 30 Yr. Fixed
  • Direct Mortgage Lender
  • Billions Funded
  • Apply Online. Quick approvals.
Show Phone number

Call Now: 866-814-2162

Rate APR Term Point Payment
  • 4.125%
  • 4.250%
  • 4.490%
  • 4.323%
  • 4.366%
  • 4.523%
  • 30 Yr. Fixed
  • 30 Yr. Fixed
  • 30 Yr. Fixed
  • 2.000%
  • 1.000%
  • 0.000%
  • $994
  • $1,008
  • $1,037

Sebonic Financial

4.165%APR

Rates as of: 9/18/2014 30 Yr. Fixed
  • Learn how we transformed home lending into an enjoyable experience.
  • We changed the process to make it better, faster and easier for you.
  • You're updated every step of the way. No surprises.
Show Phone number

Call Now: 877-719-2101

Rate APR Term Point Payment
  • 4.000%
  • 4.125%
  • 4.250%
  • 4.165%
  • 4.208%
  • 4.250%
  • 30 Yr. Fixed
  • 30 Yr. Fixed
  • 30 Yr. Fixed
  • 2.000%
  • 1.000%
  • 0.000%
  • $979
  • $994
  • $1,008

Capital One

4.352%APR

Rates as of: 9/18/2014 30 Yr. Fixed
  • Saving just makes sense. Get $1000 Off Closing Costs.
  • Get a customized quote in minutes.
  • Free 60-day rate lock and no application fee
Show Phone number

Call Now: 855-238-8771

Rate APR Term Point Payment
  • 4.125%
  • 4.375%
  • 4.500%
  • 4.352%
  • 4.521%
  • 4.563%
  • 30 Yr. Fixed
  • 30 Yr. Fixed
  • 30 Yr. Fixed
  • 2.000%
  • 1.000%
  • 0.000%
  • $994
  • $1,024
  • $1,039

LoanDepot, LLC

4.161%APR

Rates as of: 9/18/2014 30 Yr. Fixed
  • DIRECT LENDER. We can approve and fund loans in less than 30 days.
  • Get a free and no obligation rate quote in Utah.
  • These rates won't last. Call now and lock-in your low rate!
Show Phone number

Call Now: 877-789-3376

Rate APR Term Point Payment
  • 4.250%
  • 4.125%
  • 4.000%
  • 4.288%
  • 4.204%
  • 4.161%
  • 30 Yr. Fixed
  • 30 Yr. Fixed
  • 30 Yr. Fixed
  • -0.500%
  • 0.000%
  • 1.000%
  • $1,008
  • $994
  • $979
See more rates

The advertised rates were submitted by each individual lender/broker on the date indicated. Rate/APR terms offered by advertisers may differ from those listed above based on the creditworthiness of the borrower and other differences between an individual loan and the loan criteria used for the quotes. More Info.. These quotes are from banks, thrifts and brokers who have paid for a link to their website in the listings above and you can find additional information about their loan programs on their websites.

Rate Map for Utah

This Utah Rate Map lets you see what sort of mortgage rates other borrowers around the state have been able to obtain. Each individual marker represents a single mortgage loan.

Use the map to find out what sort of mortgage rates borrowers were able to get in with various credit scores, loan amounts, loan-to-value ratios and other factors, and in various communities around the state.

This rate map project is our effort to help make the mortgage process more transparent for all borrowers. If you’d like to participate, just click on the “Share Your Rate” link above the map to anonymously share the mortgage rate you were able to get on a recent loan. Your fellow consumers will thank you!

NOTE: MortgageLoan.com cannot guarantee the accuracy of the data provided as it is submitted by our visitors.

Mortgage Loans

Be prepared to ask many questions as you search for the best rate Utah mortgage. You'll probably run across terms you don't know, including concepts like 10/1 adjustables, balloon mortgages, FRMs, and HELOCs. Fortunately, you can learn almost anything about mortgages at Mortgageloan.com. The articles and definitions are great research tools covering many topics, including first mortgages, second mortgages, debt management, and equity loans. The mortgage calculators allow you to experiment with mortgage loan types, risk-free. You can also view current market rates for different loan types, or even request a personalized rate quote from lenders. If you'd rather contact Utah lenders directly, you can find their contact information in the Utah broker directory.

Subprime

Subprime mortgages are loans that are offered to borrowers with low credit scores. Each lender has its own guidelines for deciding whether a borrower is subprime. As a general guideline, if your credit score is in the low-600s, you might be subprime or very close to it. In that case, finding a good mortgage lender might be a little more challenging. You'll want to talk to lots of prospects, and avoid any lender that makes you feel uncomfortable about your situation. Use every available resource at your disposal, including mortgage calculators, to compare your mortgage quotes. Ultimately, you're the one who has to decide what you can and can't afford.

Interest Rates

Your search for the best rate mortgage will be more efficient if you know what factors are going to influence your rate. First off, the factors that you can control include:

  • Your qualifications. Lenders use your income and credit history to determine how risky you are as a borrower. More risk means a higher interest rate.
  • The loan type. Loans with delayed repayment (such as interest-only mortgages) have higher interest rates.
  • The loan amount. High-dollar loans are more expensive that low-dollar loans. Loans in an amount greater than 80 percent of a home's value are also more expensive.
  • There's also one big factor that you can't control-the economy. Interest rate changes related to the economy are often cyclical and gradual.

Comparing

As the song goes, "Utah! This is the Place!" With its rugged outdoors and great housing, Utah is the place to call home, as well as the place to find a great deal on your mortgage. You'll be able to find that mortgage with a little help from the Utah broker directory and Mortgageloan.com's calculators. These mathematical assistants can help you decide how much to borrow, what type of loan you need, whether you should consolidate debt into your mortgage, and much more.

Once you begin submitting loan applications and receiving written mortgage quotes, you can return to the calculators to compare your options. Note that a pre-qualification letter from a lender is just an estimate, while an approved loan application usually generates a written quote and temporarily locked-in rate.