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Featured Home Equity Rates in Utah

• Lender

  APR(%)

  Min.Initial Draw Amount

  Learn More

• Sponsored

  Advertiser Disclosure

• Four Leaf Federal Credit Union NMLS ID: 449104 / Updated 2026-04-05 Equal Housing Lender

  Tap into your home's equity & access the funds you need with a HELOC

  $0

  Tap into your home's equity & access the funds you need with a HELOC Apply online or speak with a specialist No application, origination & appraisal fees on lines up to $500K* Access cash when you need it Learn More

• Farmers Bank of Kansas City NMLS ID: 613839 / Updated 2026-03-20 Equal Housing Lender

  Intro APR: 6.750 % After Intro:6.750 %

  $25,000

  Customized Rate Quote 24/7 Online Borrower Portal Streamlined Online Application Up to 100% LTV Learn More

• Figure Home Equity NMLS ID: 1717824 / Updated 2025-09-22

  Intro APR: 6.950 % After Intro:6.950 %

  $15,000

  Flexible terms, borrow $15K-$750K, redraw up to 100% Use to consolidate debt or finance your next home project 100% digital app & automated valuation Largest non-bank HELOC lender in the US Learn More

• Valley Strong Credit Union NMLS ID: 456506 / Updated 2025-10-29 Equal Housing Lender

  Intro APR: 6.950 % After Intro:6.950 %

  $15,000

  Get your offer in 5 minutes and funding in as few as 5 days Personalized banking solutions to help reach your financial goals Up to $400K Terms of 10,15, or 30 years Learn More

• Four Leaf Federal Credit Union NMLS ID: 449104 / Updated 2025-12-22

  Intro APR: 5.990 % After Intro:7.000 % Intro Period: 12 months

  $25,000

  Tap into your home's equity & access the funds you need with a HELOC Apply online or speak with a specialist No application, origination & appraisal fees on lines up to $500K Learn More

• Splash Financial NMLS ID: 1630038 / Updated 2026-02-16 Equal Housing Lender

  Intro APR: 7.375 % After Intro:7.375 % Intro Period: 7 months

  $25,000

  Borrow up to $500,000* Apply 100% online in minutes with a user-friendly platform Check your rate without affecting your credit ** Tap into home equity today Learn More

• Upstart Home Lending NMLS ID: 2443873 / Updated 2026-02-11

  Intro APR: 7.770 % After Intro:7.770 %

  $20,800

  As low as 6.52% APR on your initial draw* Get your money up to 10x faster than the industry standard** Fixed rate on each draw** No paperwork needed to apply Learn More

• Unlock Technologies, Inc. NMLS ID: Not a Lender / Updated 2026-04-05

  Get cash now in exchange for a percentage of your homes future equity.

  $0

  No monthly payments or interest charges Minimum Credit score: 500 Access up to $500k No need to refinance Learn More

• Splash Financial NMLS ID: 1630038 / Updated 2026-04-05 Equal Housing Lender

  Cash in with a HELOC

  $0

  Borrow up to $500,000* Apply 100% online in minutes with a user-friendly platform Check your rate without affecting your credit ** Tap into home equity today Learn More

• Figure Home Equity Line NMLS ID: 1717824 / Updated 2026-04-05 Equal Housing Lender

  HELOC approval in 5 minutes, funding in 5 days. Borrow up to $750k online.

  $0

  Fastest way to turn home equity into cash Flexible terms, redraw up to 100%, borrow $15k-$750k Approval in as little as 5 minutes. Funding in as few as 5 days. Use to consolidate debt or finance your next home project Learn More

• AmeriSave Mortgage Corporation NMLS ID: 1168 / Updated 2026-04-05

  Home Equity Loans & Refinance – Cash out

  $0

  Home Equity Loans & Refinance – Cash out Customized rate quote with no impact to credit Low Rates, Quick Approvals, Wide Range of Products Over 100 Billion Funded. 22 Years in Business Learn More

• Rate data provided by RateUpdate.com. Displayed by Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details .

Featured 30-Year Fixed Mortgage Rates in Utah

• Lender

  APR(%)

  Monthly Payment

  Learn More

• Sponsored

  Advertiser Disclosure

• Pentagon Federal Credit Union NMLS ID: 401822

  0.000%

  $0 Fees & Points $0 Total 0.000 Pts ($0) $0 Fees

  Fixed rate is locked-in for the life of the loan PenFed makes home ownership affordable. Federally insured by NCUA Military service is not required for membership. Equal Housing Lender Learn More

• Mortgage HQ NMLS ID: 2022461

  6.025%

  $1,893 Fees & Points $5,296 Total 0.625 Pts ($2,000) $3,296 Fees

  See Live Rates - Not Credit Pull Necessary Local & Responsive Connect with a Broker who can shop dozens of loan options for you at once Learn More

• Mutual of Omaha Mortgage, Inc. NMLS ID: 1025894

  6.147%

  $1,893 Fees & Points $9,478 Total 0.837 Pts ($2,678) $6,800 Fees

  A brand you know and trust Quick and efficient process Mortgage products to fit your needs Learn More

• LoanFlight Lending, LLC NMLS ID: 1522344 License#: 13436698

  6.211%

  $1,945 Fees & Points $2,966 Total 0.927 Pts ($2,966) $0 Fees

  Charges $0 in Lender Fees Get an Online Quote in Seconds 100% Online Process or Speak Directly with a Loan Officer Learn More

• Utahlowrate.com NMLS ID: 3138

  6.219%

  $1,945 Fees & Points $3,200 Total 1.000 Pts ($3,200) $0 Fees

  Lowest mortgage rates in Utah Learn More

• PenFed Credit Union NMLS ID: 401822

  6.265%

  $1,945 Fees & Points $4,795 Total 0.875 Pts ($2,800) $1,995 Fees

  Let PenFed Bring You Home With Confidence Benefits before and after you refinance Lower your payment, get cash out, and more Learn More

• Better.com NMLS ID: 330511

  6.338%

  $1,971 Fees & Points $2,966 Total 0.616 Pts ($1,971) $995 Fees

  The Right Mortgage could save you Thousands! Learn More

• Filo Mortgage, L.L.C. NMLS ID: 1928741

  6.343%

  $1,971 Fees & Points $3,139 Total 0.981 Pts ($3,139) $0 Fees

  FIll in Learn More

• West Capital Lending NMLS ID: 1566096

  6.349%

  $1,971 Fees & Points $3,362 Total 0.646 Pts ($2,067) $1,295 Fees

  Let's CrunchtheNumbers and See if a Refinance Makes Sense for You Learn More

• SoFi NMLS ID: 696891

  6.637%

  $2,023 Fees & Points $4,573 Total 0.962 Pts ($3,078) $1,495 Fees

  Get pre-qualified in minutes Simple, online application Customize your monthly payment to fit your budget Learn More

• AmeriSave Mortgage Corporation NMLS ID: 1168 License#: 5499381-ML

  Fees & Points Total Pts ($0) $0 Fees

  Low rates, quick quote & approval 92% of clients discover savings in Real savings, real fast - $1100 avg monthly savings Learn More

• Veterans United Home Loans NMLS ID: 1907

  Fees & Points Total Pts ($0) $0 Fees

  Refinance to lower your rate Free up room in your budget by paying off high-interest debt Explore 350,000+ 5-star reviews Learn More

• Quicken Loans NMLS ID: 167283

  Fees & Points Total Pts ($0) $0 Fees

  Your home's value could help you save. Turn your equity into opportunity. Calculate your home equity loan options with lenders. Learn More

• Rocket Mortgage NMLS ID: 3030

  Fees & Points Total Pts ($0) $0 Fees

  Turn home equity you've earned into cash Single, convenient monthly payments Reduce interest with shorter loan terms Learn More

• Rate data provided by RateUpdate.com. Displayed by Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details .