Compare Today’s Refinance Rates for Challenge, California 95925
Pureloan's search engine provides real-time analysis of refinance lenders to find the best home refinance rates available in Challenge, California 95925.
Our analysis indicates that for 30-year amortization refinancing, you can expect to save up to $4,341 over the lifetime of your mortgage, which translates to a monthly savings of $12 in Challenge and other areas of Yuba 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 Challenge, California 95925
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Interactive Refinance Rate Projections for Challenge, California 95925
Pureloan has developed an interactive chart to monitor the five largest local lenders in Challenge, CA 95925, 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 Challenge, California 95925 from 2024 - 2016
The following historical data provides insights into refinancing trends in Challenge, California and the surrounding Yuba 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 | 77.27% | 67.41% | 73.98% | 75.29% | 80.85% | 70.40% | 67.08% | 72.34% | 77.67% |
avg refi rate | 6.34% | 3.35% | 2.83% | 3.14% | 4.01% | 4.46% | 4.04% | 3.82% | 4.00% |
% 15 year fixed refinance | 4.55% | 20.99% | 17.80% | 17.83% | 13.51% | 22.39% | 24.32% | 22.23% | 18.01% |
avg refi rate | 5.25% | 2.53% | 2.32% | 2.66% | 3.42% | 3.70% | 3.29% | 3.03% | 3.20% |
Avg credit score | 763.64 | 757.82 | 770.45 | 773.37 | 761.05 | 753.00 | 756.99 | 762.85 | 763.00 |
Avg LTV (loan to value) | 38.55% | 43.72% | 50.34% | 52.10% | 55.29% | 48.29% | 49.72% | 51.56% | 57.21% |
Avg DTI (debt to income) | 39.36 | 36.49 | 33.22 | 32.81 | 35.51 | 36.07 | 36.10 | 34.28 | 34.40 |
Avg refinance insurance % | 0.55% | 0.22% | 0.58% | 0.85% | 1.81% | 0.71% | 0.64% | 0.53% | 0.71% |
Best Refinance Brokers around Challenge, California 95925
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Challenge, California 95925, we have compiled a list of top refinance brokers to assist you in the process.
Michael Powell
Loan Officer
1263 Esplanade
Chico, CA 95925
(530) 680-4672
mpowell@lhfinancial.com
Amy Briscoe
Loan Orginator
146 W East Ave
Chico, CA 95925
(530) 898-0380
AmyBriscoe@tcbk.com
Gloria Brown
Loan Orginator
146 W East Ave
Chico, CA 95925
(530) 898-0380
GloriaBrown@tcbk.com
Laverne Carroll
Loan Orginator
146 W East Ave
Chico, CA 95925
(530) 898-0380
LaverneCarroll@tcbk.com
Ben Carter
Loan Orginator
146 W East Ave
Chico, CA 95925
(530) 898-0380
BenCarter@tcbk.com
Address
1263 Esplanade
Chico, CA
Contact
(530) 680-4672
Fax (301) 639-0804
mpowell@lhfinancial.com
Address
146 W East Ave
Chico, CA
Contact
(530) 898-0380
Fax (301) 639-0804
AmyBriscoe@tcbk.com
Address
146 W East Ave
Chico, CA
Contact
(530) 898-0380
Fax (301) 639-0804
GloriaBrown@tcbk.com