Utah Mortgage Lenders and Rates (UT)

In Utah, finding the right mortgage can save you thousands of dollars. Mortgage-Info.us was created for that purpose. If you are looking for Lenders, Mortgage Rates, or Mortgage Brokers – we’ve have them. When you fill out our mortgage quote form, you’ll get offers from 2-4 different lenders that will compete to save you money.

Request a free online Utah Mortgage Quote>>

Featured Mortgage Lenders in Utah

Utah Mortgage Quick Facts

Utah State Population: 2,233,169*
Median Utah Home Price: $146,100*
Total Utah Housing Units:
House Ownership Rate in Utah
: 71.5%*

Types of Mortgage Loans Available in Utah

How Your Credit Score Affects Your Mortgage Rate

Initially, you need to know what your current credit score is . You should compare that against the average Utah consumer credit score of 683, and the national average credit score of 677. Your credit score impacts what your home mortgage rate will be. Historically home mortgage rates have varied from 5% to over 13%. Lenders create their home mortgage rates by using the Federal Discount Interest Rate and then increase it by using an internal formula to create their own home mortgage rate. When you apply for a home mortgage, your home mortgage rate will be determined by a whole host of factors; an important factor is your credit score.

Utah Mortgage State Laws:

Utah High Cost Home Loan Act

The Act was created in 2004.

It protects mortgagors by placing limits on interest rates after default, prohibiting balloon payments, placing restrictions on the arbitration clause, and placing limitations on refinancing, among other things.


Foreclosure in Utah is non-judicial. The statutes were modeled after California’s, and were put in place in 1961. Foreclosure is completed in four and one half months. The foreclosing auction is advertised in the county paper once a week for three weeks prior to the auction. A notice is posted on the property twenty days before it is to be sold. The property is auctioned, and the highest bidder wins it. The winning bidder at a foreclosure auction must pay $5000 down, and the rest within 24 hours.

UT Mortgage Fraud Office
White Collar Crime Supervisor
Towers Building
257 East, 200 South
Salt Lake City, UT 84111-2048
Phone: (801) 579-1400

Utah Counties:

Beaver County, Box Elder County, Cache County, Carbon County, Daggett County, Davis County, Duchesne County, Emery County, Gaarfield County, Grand County, Iron County, Juab County, Kane County, Millard County, Morgan County, Piute County, Rich County, Salt Lake County, San Juan County, Sanpete County, Sevier County, Summit County, Tooele County, Uintah County, Utah County, Wasatch County, Washington County, Wayne County, Weber County

-US Census

This site is not a broker and does not collect or solicit mortgage applications. Content is for informational or comparison purposes only. Services are not available in New York. Products and services may not be available in all other states.

  • Powered by SecureRights

    Answer these questions to request a FREE quote