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: 07/04/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.843% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.814 Points$2,605 Points Fee
$7,928 Total Fees$5,323 Lender Fees
 7 Years ARM
5.977% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.777 Points$2,486 Points Fee
$3,690 Total Fees$1,204 Lender Fees
 7 Years ARM
6.403% APR 6.250% Rate 45 day rate lock $1,971 Payment per month
1.000 Points$3,200 Points Fee
$5,195 Total Fees$1,995 Lender Fees
 7 Years ARM
A smarter way to get cash from your home
Refinance to lower your rate
As low as 0% down options & down payment assistance
5.956% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.879 Points$2,813 Points Fee
$2,813 Total Fees$0 Lender Fees
 7 Years ARM
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Rate data provided by RateUpdate.com. Displayed by 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.
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