Date: 10/21/2025The following are today's purchase rate and refinance rate for Utah
| Purchase $600K FICO 780 Zip code 84092 |
| 7/6 ARM | 30 year fixed | 15 year fixed | LTV | Points & Origination fee |
| Owner Occupied | 5.4 | 5.88 | 5.25 | 80% | 0 |
| Investment Property | 6.18 | 6.45 | | 75% | 0 |
| DSCR | | 6.375 | | 75% | 0 |
| Refinance $600K FICO 780 Zip code 84092 |
| 7/6 ARM | 30 year fixed | 15 year fixed | LTV | Points & Origination fee |
| Owner Occupied | 5.17 | 5.53 | 4.89 | 75% | 0 |
| Investment Property | 5.9 | 6.08 | | 75% | 0 |
Please notes:
- Primary Residence Loan Rates: Include first-time homebuyer discounts.
- DSCR Loan Rates: Include a three-year prepaid penalty and require a DSCR of ≥1.
