Utah criminal charge
Mortgage fraud in Utah
Mortgage fraud is a criminal offense under Utah law, defined by Utah Code Ann. § 76-6-1203. Its classification is not fixed: Utah assigns a different penalty class depending on the circumstances of the offense. The class that applies — and the sentencing range that follows from it — depends on which statutory variant fits the facts.
Defined by Utah Code Ann. § 76-6-1203.
What is the penalty for mortgage fraud in Utah?
| Penalty | Range | Basis | Authority |
|---|---|---|---|
| Jail / prison | Mortgage fraud (value $500 to $1,500) — Applies when the value obtained or sought is or exceeds $500 but is less than $1,500.; up to 364 days — except up to one year for class A misdemeanors under Title 76, Chapter 5 (Offenses Against the Individual), other than Sections 76-5-102.9, 76-5-107.5, 76-5-113, and 76-5-303, which remain at 364 days (Utah Code Ann. § 76-3-204(1)) | discretionary | Utah Code Ann. § 76-3-204 |
| Fine | up to $2,500 (Mortgage fraud (value $500 to $1,500) — Applies when the value obtained or sought is or exceeds $500 but is less than $1,500.; greater amounts may be specifically authorized by statute (Utah Code Ann. § 76-3-301)) | discretionary | Utah Code Ann. § 76-3-204 |
| Jail / prison | up to 5 years (Mortgage fraud (value $1,500 to $5,000) — Applies when the value obtained or sought is or exceeds $1,500 but is less than $5,000.; indeterminate prison term, unless the statute provides otherwise; actual release is determined by the Board of Pardons and Parole) | discretionary | Utah Code Ann. § 76-3-203 |
| Fine | up to $5,000 (Mortgage fraud (value $1,500 to $5,000) — Applies when the value obtained or sought is or exceeds $1,500 but is less than $5,000.; greater amounts may be specifically authorized by statute (Utah Code Ann. § 76-3-301)) | discretionary | Utah Code Ann. § 76-3-203 |
| Jail / prison | 1 years to 15 years (Mortgage fraud (value $5,000 or more) — Applies when the value obtained or sought is or exceeds $5,000.; indeterminate prison term, unless the statute provides otherwise; actual release is determined by the Board of Pardons and Parole) | discretionary | Utah Code Ann. § 76-3-203 |
| Fine | up to $10,000 (Mortgage fraud (value $5,000 or more) — Applies when the value obtained or sought is or exceeds $5,000.; greater amounts may be specifically authorized by statute (Utah Code Ann. § 76-3-301)) | discretionary | Utah Code Ann. § 76-3-203 |
| Jail / prison | 1 years to 15 years (Mortgage fraud (purpose is obtaining sensitive personal identifying information) — Applies when the object or purpose of the mortgage fraud is to obtain sensitive personal identifying information, regardless of the value involved.; indeterminate prison term, unless the statute provides otherwise; actual release is determined by the Board of Pardons and Parole) | discretionary | Utah Code Ann. § 76-3-203 |
| Fine | up to $10,000 (Mortgage fraud (purpose is obtaining sensitive personal identifying information) — Applies when the object or purpose of the mortgage fraud is to obtain sensitive personal identifying information, regardless of the value involved.; greater amounts may be specifically authorized by statute (Utah Code Ann. § 76-3-301)) | discretionary | Utah Code Ann. § 76-3-203 |
Applies to current (2026 General Session).
How is mortgage fraud classified in Utah?
The classification depends on the circumstances:
| Variant | Classification | When it applies | Statute |
|---|---|---|---|
| Mortgage fraud (value $500 to $1,500) | Class A Misdemeanor | Applies when the value obtained or sought is or exceeds $500 but is less than $1,500. | Utah Code Ann. § 76-6-1203(3)(a)(i) |
| Mortgage fraud (value $1,500 to $5,000) | Third Degree Felony | Applies when the value obtained or sought is or exceeds $1,500 but is less than $5,000. | Utah Code Ann. § 76-6-1203(3)(a)(ii) |
| Mortgage fraud (value $5,000 or more) | Second Degree Felony | Applies when the value obtained or sought is or exceeds $5,000. | Utah Code Ann. § 76-6-1203(3)(a)(iii) |
| Mortgage fraud (purpose is obtaining sensitive personal identifying information) | Second Degree Felony | Applies when the object or purpose of the mortgage fraud is to obtain sensitive personal identifying information, regardless of the value involved. | Utah Code Ann. § 76-6-1203(3)(a)(iv) |
Common questions about mortgage fraud in Utah
Is mortgage fraud a felony or a misdemeanor in Utah?
It depends on the circumstances: mortgage fraud ranges from a Class A Misdemeanor to a Second Degree Felony in Utah under Utah Code Ann. § 76-6-1203.
Mortgage fraud (value $500 to $1,500): Class A Misdemeanor (Utah Code Ann. § 76-6-1203(3)(a)(i)) · Mortgage fraud (value $1,500 to $5,000): Third Degree Felony (Utah Code Ann. § 76-6-1203(3)(a)(ii)) · Mortgage fraud (value $5,000 or more): Second Degree Felony (Utah Code Ann. § 76-6-1203(3)(a)(iii)) · Mortgage fraud (purpose is obtaining sensitive personal identifying information): Second Degree Felony (Utah Code Ann. § 76-6-1203(3)(a)(iv))
What are the penalties for mortgage fraud in Utah?
Which Utah statute covers mortgage fraud?
Mortgage fraud is governed by Utah Code Ann. § 76-6-1203 (Mortgage fraud).
Legal terms used in this law
This reference is informational and is not legal advice. Penalty ranges are the statutory classification ranges; sentencing in a specific case depends on its facts and history.