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Deposit Rates - December 15, 2025

Featured Home Equity Rates in Utah

• Lender

  APR(%)

  Min.Initial Draw Amount

  Learn More

• Sponsored

  Advertiser Disclosure

• PenFed Credit Union NMLS ID: 401822 / Updated 2025-12-15 Equal Housing Lender

  Loans Amounts from $25,000 - $500,000.

  $0

  Loans Amounts from $25,000 - $500,000. Get a HELOC from PenFed to Put Your Home Equity to Work. HELOCs Can Offer Lower Rates Than Credit Cards or Personal Loans. Home Equity Line of Credit - Equal Housing Lender. Learn More

• Upstart Home Lending NMLS ID: 2443873 / Updated 2025-07-23

  Intro APR: 6.520 % After Intro:6.520 %

  $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

• 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

• Splash Financial NMLS ID: 1630038 / Updated 2025-11-17 Equal Housing Lender

  Intro APR: 7.625 % After Intro:7.625 % Intro Period: 8 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

• AmeriSave Mortgage Corporation NMLS ID: 1168 / Updated 2025-12-15

  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

• Owning.com NMLS ID: 2611 / Updated 2025-12-15

  Find what’s best for you: HELOC, Home Equity Loan, Cash Out Refi

  $0

  Apply in 5 minutes, get your money in as fast as 5 days. Digital application experience. Funds directly to your bank account. No in-person appraisal needed. Learn More

• Splash Financial NMLS ID: 1630038 / Updated 2025-12-15 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

• Unlock Technologies, Inc. NMLS ID: Not a Lender / Updated 2025-12-15

  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

• Figure Home Equity Line NMLS ID: 1717824 / Updated 2025-12-15 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

• Upstart Home Lending NMLS ID: 2443873 / Updated 2025-12-15

  As low as 6.52% APR on your initial draw*

  $0

  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

• Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Click here for more information on rates and product details.

Featured 30-Year Fixed Mortgage Rates in Utah

• Lender

  APR(%)

  Monthly Payment

  Learn More

• Sponsored

  Advertiser Disclosure

• Saxton Mortgage NMLS ID: 1717191

  5.863%

  $1,868 Fees & Points $4,053 Total 0.864 Pts ($2,765) $1,288 Fees

  Get a home loan from your sofa. Then make offers like a boss! Skip the painful application. Get a reliable approval in 15 minutes. Never feel alone- your Loan Guide will navigate you the whole way. Learn More

• Mortgage HQ NMLS ID: 2022461

  5.876%

  $1,868 Fees & Points $4,496 Total 0.375 Pts ($1,200) $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

• Integrity First Lending NMLS ID: 1006977

  5.965%

  $1,893 Fees & Points $3,208 Total 0.625 Pts ($2,000) $1,208 Fees

  Integrity First Lending ensures you win. We're closed to you - based out of South Jordan, Utah Learn More

• Approved Home Loans NMLS ID: 1935422 License#: 11577036

  5.966%

  $1,868 Fees & Points $7,570 Total 0.714 Pts ($2,285) $5,285 Fees

  Get Pre-Approved in Minutes – Fast, Simple, Custom Quotes Tailored to You! Learn More

• West Capital Lending NMLS ID: 1566096

  6.003%

  $1,893 Fees & Points $4,453 Total 0.987 Pts ($3,158) $1,295 Fees

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

• Northpointe Bank NMLS ID: 447490

  6.005%

  $1,893 Fees & Points $4,499 Total 0.970 Pts ($3,104) $1,395 Fees

  Great Rates Personal Service FDIC insured banking institution. Learn More

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

  6.052%

  $1,917 Fees & Points $2,128 Total 0.665 Pts ($2,128) $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

  6.083%

  $1,917 Fees & Points $3,200 Total 1.000 Pts ($3,200) $0 Fees

  Lowest mortgage rates in Utah Learn More

• Better.com NMLS ID: 330511

  6.116%

  $1,919 Fees & Points $3,997 Total 0.938 Pts ($3,002) $995 Fees

  The Right Mortgage could save you Thousands! Learn More

• Farmers Bank of Kansas City NMLS ID: 613839

  6.131%

  $1,917 Fees & Points $4,863 Total 0.930 Pts ($2,976) $1,887 Fees

  Competitive rates. Surprisingly smooth process. Learn More

• PenFed Credit Union NMLS ID: 401822

  6.289%

  $1,945 Fees & Points $5,600 Total 0.750 Pts ($2,400) $3,200 Fees

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

• New American Funding, LLC. NMLS ID: 6606

  6.331%

  $1,969 Fees & Points $3,094 Total 0.967 Pts ($3,094) $0 Fees

  Direct Lender offering low rates, fast closings, and impeccable service FHA, VA, Conventional, HARP, Jumbo and Reverse Mortgage All-inclusive Direct Lender – no broker fees Learn More

• Veterans United Home Loans NMLS ID: 1907

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

  Use your VA Loan benefits to get cash from your home equity Get a personalized quote fast with instant uploads and 24/7 access Over 300,000 verified 5-star reviews Learn More

• Quicken Loans NMLS ID: 167283

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

  Homeowners best kept secret for cash See if a HELOAN could lower payments Access cash without a changing your rate Learn More

• Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Click here for more information on rates and product details.