Compare Today’s Refinance Rates for Cottonwood, California 96022
Pureloan's search engine analyzes refinance lenders to provide you with the best real-time home refinance rates in Cottonwood, California 96022.
Our search engine evaluates all refinance loan options, including HELOC, short home refinancing, and positive equity refinancing in Cottonwood, California 96022. For 30-year amortization refinancing, you can expect lifetime cash savings of $5,407 or $15 per month in Cottonwood and other parts of Shasta county.
Summary of Average Refinances in Cottonwood, California 96022
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Interactive Refinance Rate Projections for Cottonwood, California 96022
Pureloan has developed an interactive chart to monitor the five largest local lenders in Cottonwood, CA 96022, 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 Cottonwood, California 96022 from 2024 - 2016
The following historical data provides insights into refinancing trends in Cottonwood, California and the surrounding Shasta 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 | 91.67% | 67.31% | 70.68% | 70.42% | 75.95% | 69.89% | 64.15% | 66.59% | 66.98% |
| avg refi rate | 6.28% | 3.57% | 3.02% | 3.31% | 4.23% | 4.65% | 4.12% | 3.94% | 4.12% |
| % 15 year fixed refinance | 19.23% | 18.11% | 19.50% | 16.20% | 23.12% | 26.95% | 23.16% | 22.48% | |
| avg refi rate | 2.70% | 2.42% | 2.85% | 3.73% | 3.87% | 3.50% | 3.21% | 3.43% | |
| Avg credit score | 745.83 | 746.65 | 757.96 | 757.57 | 748.55 | 744.95 | 754.71 | 762.80 | 762.11 |
| Avg LTV (loan to value) | 61.58% | 57.86% | 64.60% | 68.79% | 70.31% | 68.17% | 67.84% | 69.73% | 70.66% |
| Avg DTI (debt to income) | 38.92 | 33.95 | 33.44 | 33.29 | 35.76 | 35.02 | 33.70 | 33.51 | 32.81 |
| Avg refinance insurance % | 6.67% | 0.66% | 1.56% | 2.50% | 3.40% | 3.06% | 2.79% | 3.76% | 4.55% |
Best Refinance Brokers around Cottonwood, California 96022
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Cottonwood, California 96022, we have compiled a list of top refinance brokers to assist you in the process.
Amy Jarrard
Mortgage Loan Originator
255 Main Street
Chester, CA 96022
(530) 258-4161
amy.Jarrard@plumasbank.com
Jeff Williams
Mortgage Loan Originator
255 Main Street
Chester, CA 96022
(530) 258-4161
Jeff.Williams@plumasbank.com
Shauna Varner
Mortgage Loan Originator
255 Main Street
Chester, CA 96022
(530) 258-4161
Shauna.Varner@plumasbank.com
Tracey Smith
Mortgage Loan Originator
255 Main Street
Chester, CA 96022
(530) 258-4161
Tracey.Smith@plumasbank.com
David Kaiser
Mortgage Loan Originator
255 Main Street
Chester, CA 96022
(530) 258-4161
David.Kaiser@plumasbank.com
Address
255 Main Street
Chester, CA
Contact
(530) 258-4161
Fax (301) 639-0804
amy.Jarrard@plumasbank.com
Address
255 Main Street
Chester, CA
Contact
(530) 258-4161
Fax (301) 639-0804
Jeff.Williams@plumasbank.com
Address
255 Main Street
Chester, CA
Contact
(530) 258-4161
Fax (301) 639-0804
Shauna.Varner@plumasbank.com