Provo, UT Mortgage Rates
Live Mortgage Rates in Provo, Utah
6.490%
Provo Conventional Purchase benchmark (80% LTV, 780 FICO), updated Thursday, November 5, 2026 at 2:13 PM UTC
Sourced live from hundreds of wholesale lenders serving Provo and Utah
Provo Benchmark Rates
Lowest available rate with no discount points paid in Provo, UT for each standard scenario, sourced live
| Scenario | Rate (no points) | APR |
|---|---|---|
Conventional Conventional Purchase (80% LTV, 780 FICO) · Provo, UT | 6.490% | 6.529% |
FHA FHA Purchase (96.5% LTV, 680 FICO) · Provo, UT | 5.990% | 6.025% |
VA VA Purchase (100% LTV, 680 FICO) · Provo, UT | 5.990% | 6.020% |
2026 Loan Limits in Utah
Conforming
$832,750 baseline
High-cost Utah counties go up to $1,249,125 - Provo may qualify depending on the specific property county.
FHA
$541,287
Standard FHA limit. Select high-cost Utah counties allow more, up to $1,249,125 - check your specific county.
About Provo Mortgage Rates
The rates shown above reflect the lowest available wholesale pricing for a Provo, Utah homebuyer at the time of the snapshot. Rate Direct pulls pricing from hundreds of lenders serving Utah and refreshes hourly, so the numbers stay close to what a licensed mortgage broker could actually source for a Provo property.
Your specific Provo rate depends on credit score, loan amount, property type (single-family vs multi-unit vs condo), loan-to-value, and loan purpose. A 780 FICO buyer at 80% LTV will price materially better than a 680 FICO buyer at 95% LTV. To see your exact rate across the full Utah lender network, use the Rate Direct pricer.
Provo buyers also have access to FHA, VA, and USDA programs with lower down payments and more flexible credit guidelines. For down payment assistance specific to Utah, see the Utah DPA guide.
Get your personalized Provo mortgage rate
The rates above are the market benchmark for Provo. Your actual rate depends on your scenario.