Best Mortgage in Utah

Home purchase loans, refinancing, and home equity products from top mortgage lenders. In Utah, personal loans are not subject to a state APR cap for licensed consumer lenders, overseen by the Utah Department of Financial Institutions.

Utah Lending Overview

Personal Loan APR cap

No cap

Median Home Price

$510,000

Median Household Income

$87,000

Avg Student Debt

$33,872

State Regulator

Utah Department of Financial Institutions

Notable law: Utah requires payday lenders to disclose the annualized interest rate in advertising and on loan agreements but sets no legal ceiling on consumer loan APRs from licensed lenders.

8 Mortgage Lenders serving Utah

Best Egg

Mortgage

4.1

APR Range: 7.99% – 29.99%
Loan Amount: $2,000 – $50,000
Min Credit Score: 660

Available to residents of Utah

Apply at Best Egg

Better Mortgage

Mortgage

4.0

APR Range: 6.30% – 7.50%
Loan Amount: $50,000 – $2,000,000
Min Credit Score: 620

Available to residents of Utah

Apply at Better Mortgage

Bluevine

Mortgage

3.9

APR Range: 4.80% – 95.00%
Loan Amount: $1,000 – $500,000
Min Credit Score: 620

Available to residents of Utah

Apply at Bluevine

Capital One Auto

Mortgage

4.1

APR Range: 5.09% – 19.99%
Loan Amount: $4,000 – $250,000
Min Credit Score: 600

Available to residents of Utah

Apply at Capital One Auto

Earnest

Mortgage

4.2

APR Range: 3.95% – 9.99%
Loan Amount: $5,000 – $500,000
Min Credit Score: 670

Available to residents of Utah

Apply at Earnest

LightStream

Mortgage

4.3

APR Range: 6.49% – 24.89%
Loan Amount: $5,000 – $100,000
Min Credit Score: 700

Available to residents of Utah

Apply at LightStream

LightStream Auto

Mortgage

4.2

APR Range: 6.49% – 20.49%
Loan Amount: $5,000 – $100,000
Min Credit Score: 700

Available to residents of Utah

Apply at LightStream Auto

OnDeck

Mortgage

3.5

APR Range: 10.99% – 99.00%
Loan Amount: $5,000 – $400,000
Min Credit Score: 625

Available to residents of Utah

Apply at OnDeck

Utah Lending Laws

Utah requires payday lenders to disclose the annualized interest rate in advertising and on loan agreements but sets no legal ceiling on consumer loan APRs from licensed lenders.

The primary regulator for consumer lending in Utah is the Utah Department of Financial Institutions. Borrowers with complaints about a lender can file reports directly with that agency or with the federal Consumer Financial Protection Bureau (CFPB).

Frequently Asked Questions

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