Compare Today’s Refinance Rates for Ozark, Alabama 36360
Pureloan's search engine analyzes refinance lenders to provide you with the best real-time home refinance rates in Ozark, Alabama 36360.
Our search engine evaluates all refinance loan options, including HELOC, short home refinancing, and positive equity refinancing in Ozark, Alabama 36360. For 30-year amortization refinancing, you can expect lifetime cash savings of $6,725 or $19 per month in Ozark and other parts of Dale county.
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Summary of Average Refinances in Ozark, Alabama 36360
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Interactive Refinance Rate Projections for Ozark, Alabama 36360
Pureloan has developed an interactive chart to monitor the five largest local lenders in Ozark, AL 36360, 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 Ozark, Alabama 36360 from 2024 - 2016
The following historical data provides insights into refinancing trends in Ozark, Alabama and the surrounding Dale 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 | |
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% 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 Ozark, Alabama 36360
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Ozark, Alabama 36360, we have compiled a list of top refinance brokers to assist you in the process.
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