What Determines Your FHA Mortgage Rate in Utah?

The FHA mortgage rate you qualify for may be different from an advertised rate. FHA mortgage pricing can depend on your credit score, loan amount, loan-to-value ratio, property type, occupancy, discount points and current mortgage market conditions.

Two Utah borrowers applying for FHA financing on the same day may receive different pricing because their loan scenarios are different. For that reason, the most useful way to compare FHA mortgage rates is to request pricing based on your actual purchase price, down payment, credit profile and loan amount.

Check Today's Utah FHA Mortgage Rates →

Content updated: September 29, 2026

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Request a personalized rate quote showing the interest rate, APR, points, lender fees and lock period. Pricing changes during the day and depends on your complete loan scenario.

Looking for FHA mortgage rates in Utah?

FHA interest rates can change throughout the day and vary according to the borrower's transaction, credit profile, loan amount, discount points and market conditions.

Today's Utah FHA Mortgage Rates

*Use a clearly stated example loan amount and disclose excluded taxes, insurance, HOA and other expenses.

What Determines an FHA Rate?

Pricing may be influenced by:

  • Mortgage market conditions
  • Treasury and MBS movement
  • Credit profile
  • Loan amount
  • Loan term
  • Discount points
  • Lock duration
  • Purchase versus refinance
  • Property characteristics

FHA Interest Rate vs APR

The rate and APR are different.

APR incorporates certain finance charges and may help compare loan offers with different fee structures.

Discount Points

Paying points may reduce a mortgage rate.

Before paying points, determine:

Cost of points ÷ monthly savings = approximate break-even months

FHA Mortgage Insurance and APR

FHA loans typically include mortgage insurance.

That cost should be included when comparing FHA against conventional financing.

FHA Mortgage Insurance Utah

FHA Rate Locks

Common lock periods may include:

  • 15 days
  • 30 days
  • 45 days
  • 60 days
  • Longer when available

Longer locks can affect pricing.

Purchase vs Refinance Rates

A purchase transaction and refinance transaction may not price identically.

Review:

FHA Refinance Utah

FHA Streamline Refinance Utah

Compare FHA and Conventional Rates

FHA vs Conventional Loan Utah

Conventional Mortgage Loans Utah

Utah Mortgage Rates

Get Today's Utah FHA Rate

Daniel Paris | 801-604-4949