Compare Today’s Refinance Rates for Oakland, California 94604
Pureloan's advanced engine provides real-time analysis of refinance lenders to find the best home refinance rates available in Oakland, California 94604.
With a 30-year amortization refinance in Oakland and surrounding areas of Alameda county, our calculations show that you can expect to save up to $13,668 over the lifetime of your mortgage, or a monthly savings of $38. Pureloan explores all refinance loan options, including HELOC, short home refinancing, and positive equity refinancing for Oakland, California 94604.
Summary of Average Refinances in Oakland, California 94604
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Interactive Refinance Rate Projections for Oakland, California 94604
Pureloan has developed an interactive chart to monitor the five largest local lenders in Oakland, CA 94604, 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 Oakland, California 94604 from 2024 - 2016
The following historical data provides insights into refinancing trends in Oakland, California and the surrounding Alameda 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 | 88.24% | 68.47% | 74.24% | 74.96% | 81.59% | 76.80% | 72.51% | 72.92% | 75.62% |
avg refi rate | 6.29% | 3.34% | 2.85% | 3.13% | 4.04% | 4.48% | 4.04% | 3.84% | 4.02% |
% 15 year fixed refinance | 8.82% | 19.69% | 16.99% | 16.61% | 11.62% | 16.01% | 20.62% | 20.36% | 17.37% |
avg refi rate | 5.46% | 2.54% | 2.33% | 2.67% | 3.45% | 3.80% | 3.27% | 3.08% | 3.26% |
Avg credit score | 749.53 | 761.15 | 767.10 | 771.32 | 756.05 | 747.69 | 751.67 | 759.23 | 759.92 |
Avg LTV (loan to value) | 53.40% | 49.90% | 55.09% | 57.55% | 62.97% | 57.20% | 57.90% | 57.74% | 61.46% |
Avg DTI (debt to income) | 39.12 | 35.46 | 33.29 | 32.92 | 35.78 | 36.41 | 35.45 | 34.09 | 34.35 |
Avg refinance insurance % | 0.35% | 0.61% | 0.88% | 1.26% | 2.72% | 1.24% | 1.36% | 0.99% | 1.18% |
Best Refinance Brokers around Oakland, California 94604
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Oakland, California 94604, we have compiled a list of top refinance brokers to assist you in the process.
Helena Maria Jones
Community Loan Officer
1970 Franklin Street
Oakland, CA 94604
(510) 385-7721
Helena.Jones@unionbank.com
Jonathan King
Loan Officer
6211 La Salle Ave
Oakland, CA 94604
(510) 339-8900
jking@pmaloans.com
Kimberly Nash
Mortgage Banker
3241 Lakeshore Ave
Oakland, CA 94604
(510) 224-0794
Kimberly.Nash@chase.com
Royal Kirkland
Mortgage Banker
3241 Lakeshore Ave
Oakland, CA 94604
(510) 238-9306
Royal.Kirkland@chase.com
Sabrina Wu
Home Mortgage Consultant
500 12th Street Suite 150
Oakland, CA 94604
(510) 267-1310
Sabrina.Wu@wellsfargo.com
Address
1970 Franklin Street
Oakland, CA
Contact
(510) 385-7721
Fax (301) 639-0804
Helena.Jones@unionbank.com
Address
6211 La Salle Ave
Oakland, CA
Contact
(510) 339-8900
Fax (301) 639-0804
jking@pmaloans.com
Address
3241 Lakeshore Ave
Oakland, CA
Contact
(510) 224-0794
Fax (301) 639-0804
Kimberly.Nash@chase.com