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: 08/21/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.963% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.740 Points$2,368 Points Fee
$7,691 Total Fees$5,323 Lender Fees
 5 Years ARM
6.240% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.889 Points$2,845 Points Fee
$4,048 Total Fees$1,203 Lender Fees
 5 Years ARM
6.254% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.899 Points$2,877 Points Fee
$4,505 Total Fees$1,628 Lender Fees
 5 Years ARM
A smarter way to get cash from your home
Refinance to lower your rate
Discover multiple refinance options
As low as 0% down options & down payment assistance
Low rates, quick quote & approval
6.083% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.887 Points$2,838 Points Fee
$2,838 Total Fees$0 Lender Fees
 5 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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