Home Refinance Loan Ratesin Utah

Looking to refinance your existing mortgage loan? Use ERATE®'s rate chart to compare today's top rates in Utah and find a lender that's the best fit for you. We recommend that you reach out to at least 2 to 3 mortgage lenders for your refinance loan to ensure you get the best rate and pricing.

(Last Updated: 01/01/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.147% APR 5.000% Rate 30 day rate lock $1,718 Payment per month
0.683 Points$2,186 Points Fee
$5,482 Total Fees$3,296 Lender Fees
 5 Years ARM
5.866% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.916 Points$2,931 Points Fee
$4,139 Total Fees$1,208 Lender Fees
 5 Years ARM
Use your VA Loan Benefit to get cash from your home equity
Discover multiple refinance options
5.316% APR 5.250% Rate 30 day rate lock $1,768 Payment per month
0.740 Points$2,368 Points Fee
$2,368 Total Fees$0 Lender Fees
 5 Years ARM
Updating Rates...
Updating Rates...
Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details.
Family moving in