Utah Refinance Rates
Compare today's refi rates in Utah (UT). Updated 2026-04-28.
Avg. 30-Year Refi Rate
6.63%
State average · UT
Avg. 15-Year Refi Rate
5.87%
State average · UT
Est. Closing Costs
$4,900
Typical range in UT
Utah refi rates (6.63%) are 0.16% below the national average (6.79%). Source: FRED · Updated 2026-04-28.
Top Refi Lenders in Utah (12)
30yr: 6.305%15yr: 5.555%Cash-out: 6.555%
30yr: 6.305%15yr: 5.555%Cash-out: 6.430%
30yr: 6.380%15yr: 5.630%Cash-out: 6.580%
30yr: 6.420%15yr: 5.680%Cash-out: 6.680%
30yr: 6.430%15yr: 5.680%Cash-out: 6.680%
Refinancing Tips for Utah Homeowners
- • Average closing costs in UT are approximately $4,900 — factor this into your break-even calculation.
- • With a 30-year refi rate of 6.63%, homeowners who locked in rates above 7.5% may save significantly by refinancing.
- • Utah has no special state tax on mortgage refinancing — check with your tax advisor for deductibility of points and fees.
- • VA IRRRL and FHA streamline refinances require less documentation and no new appraisal in most cases, making them faster to close.
FAQ: Refinancing in Utah
What is the average refinance rate in Utah?+
The average 30-year refinance rate in Utah is approximately 6.63%, compared to the national average of 6.79%.
How much are refinance closing costs in Utah?+
Estimated refinance closing costs in Utah are approximately $4,900. This typically includes origination fees, appraisal, title insurance, and government recording fees.
How long does it take to refinance in Utah?+
A typical refinance in Utah takes 30-45 days from application to closing. VA IRRRL and FHA streamline refinances may close faster due to reduced documentation requirements.