Compare Today’s Refinance Rates for Oxford, Alabama 36203
Pureloan's search engine provides real-time analysis of refinance lenders to find the best home refinance rates available in Oxford, Alabama 36203.
Our analysis indicates that for 30-year amortization refinancing, you can expect to save up to $8,600 over the lifetime of your mortgage, which translates to a monthly savings of $24 in Oxford and other areas of Calhoun county. We analyze all refinance loan options, including HELOC, short home refinancing, and positive equity refinancing, to provide you with the most suitable options for your financial situation.
Summary of Average Refinances in Oxford, Alabama 36203
Become a certified mortgage expert on Pureloan.com
in Oxford, Alabama 36203
Reach hundreds of thousands of home buyers and refinance customers every month! FREE APPLICATION
Interactive Refinance Rate Projections for Oxford, Alabama 36203
Pureloan has developed an interactive chart to monitor the five largest local lenders in Oxford, AL 36203, for refinancing and cash-out. The chart features historical rates, which are based on completed refinancings, and projections, which are based on proprietary modeling.
Historical Refinance Rates in Oxford, Alabama 36203 from 2024 - 2016
The following historical data provides insights into refinancing trends in Oxford, Alabama and the surrounding Calhoun county, based on factors such as loan type, credit score, LTV, and other parameters. This data is derived from actual closed home refinancings.
2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
---|---|---|---|---|---|---|---|---|---|
% 30 year fixed refinance | 88.46% | 64.00% | 56.88% | 56.29% | 68.15% | 63.89% | 63.50% | 60.76% | 65.05% |
avg refi rate | 6.30% | 3.89% | 2.98% | 3.26% | 4.27% | 4.60% | 4.14% | 3.95% | 4.09% |
% 15 year fixed refinance | 11.54% | 17.78% | 26.81% | 28.62% | 22.93% | 25.00% | 24.09% | 25.95% | 22.58% |
avg refi rate | 5.92% | 2.65% | 2.46% | 2.78% | 3.83% | 3.91% | 3.31% | 3.23% | 3.41% |
Avg credit score | 751.35 | 744.60 | 750.40 | 756.83 | 748.64 | 733.43 | 743.16 | 752.23 | 748.60 |
Avg LTV (loan to value) | 76.15% | 70.30% | 72.65% | 75.03% | 76.64% | 74.69% | 74.21% | 76.77% | 75.49% |
Avg DTI (debt to income) | 33.77 | 33.00 | 30.92 | 31.19 | 32.73 | 32.86 | 31.63 | 32.32 | 30.75 |
Avg refinance insurance % | 10.12% | 5.09% | 4.62% | 5.83% | 8.77% | 7.06% | 6.70% | 7.52% | 7.48% |
Best Refinance Brokers around Oxford, Alabama 36203
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Oxford, Alabama 36203, we have compiled a list of top refinance brokers to assist you in the process.
Brenda Coleman
Loan Officer
1111 Quintard Ave
Anniston, AL 36203
(256) 741-3105
BColeman@bbandt.com
Nina Barbao
Mortgage Production Manager
930 Wilmer Ave
Anniston, AL 36203
(256) 235-9350
Nina.Barbao@regions.com
Jacob Parrish
Mortgage Loan Originator
930 Wilmer Ave
Anniston, AL 36203
Jacob.Parrish@regions.com
Ashley Kendrick
Mortgage Lenders
930 Wilmer Ave
Anniston, AL 36203
(256) 241-6394
ashley.kendrick@regions.com
Mitch Key
CEO/President
111 W Broad St,
Wedowee, AL 36203
(256) 357-2132
mitchk@bankofwedowee.com
Address
1111 Quintard Ave
Anniston, AL
Contact
(256) 741-3105
Fax (301) 639-0804
BColeman@bbandt.com
Address
930 Wilmer Ave
Anniston, AL
Contact
(256) 235-9350
Fax (301) 639-0804
Nina.Barbao@regions.com
Address
930 Wilmer Ave
Anniston, AL
Contact
Fax (301) 639-0804
Jacob.Parrish@regions.com