Compare Today’s Refinance Rates for Oakland, California
Pureloan analyzes refinance lenders to give you the best real-time home refi rates for Oakland, California 94666. Search for lower interest rates, cash-out refi, or a home equity loan. For 30-year amortization refinancing in Oakland and other areas of Alameda county, expected lifetime cash savings are $20,068 or $56 / month.
For Oakland, California 94666, Pureloan’s search engine analyzes all refi loan options including positive equity refinancing, short home refinancing, and HELOC.
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Summary of Average Refinance Terms in Oakland, California 94666


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Interactive and Personalized Mortage Rates Analysis
For refinance rate forecasts and predictions in Oakland, CA 94666, Pureloan has created an interactive chart to track the 5 largest local lenders for refi's and cash-out's. Historical rates are based on closed refinancings, and projections are based on proprietary modeling.
Refinance Rates for Oakland, California 94666 from 2012 - 2019
Below are historical data on refinancing in Oakland, California and around Alameda county based on loan type, credit score, LTV and other parameters. This data is produced from actual closed home refinancings.
2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | |
---|---|---|---|---|---|---|---|---|
% 30 year fixed refinance | 68.35% | 63.66% | 70.29% | 69.75% | 78.75% | 73.47% | 69.09% | 62.50% |
avg refi rate | 4.90% | 4.53% | 3.87% | 3.72% | 4.44% | 3.98% | 3.80% | 3.87% |
% 15 year fixed refinance | 25.11% | 27.20% | 24.24% | 24.44% | 17.74% | 20.26% | 24.85% | 30.11% |
avg refi rate | 4.31% | 3.84% | 3.26% | 2.99% | 3.46% | 3.21% | 3.05% | 3.17% |
Avg credit score | 777.51 | 778.07 | 779.19 | 774.95 | 758.70 | 766.24 | 767.25 | 765.17 |
Avg LTV (loan to value) | 49.13% | 49.53% | 50.27% | 49.61% | 56.12% | 49.63% | 43.03% | 43.28% |
Avg DTI (debt to income) | 32.53 | 31.96 | 31.33 | 31.92 | 35.01 | 34.41 | 34.03 | 34.03 |
Avg refinance insurance % | 0.07% | 0.07% | 0.13% | 0.18% | 0.56% | 0.20% | 0.08% | 0.09% |
Data produced from the Financial Report of the US Government
Best Refinance Brokers Around Oakland, California 94666
Whether you are looking to refinance your existing mortgage or obtain a cash-out refi in Oakland, California 94666, we have compiled a list of the leading refinance brokers to guide you.
Helena Maria Jones
Community Loan Officer
1970 Franklin Street
Oakland, CA 94666
(510) 385-7721
Helena.Jones@unionbank.com
Jonathan King
Loan Officer
6211 La Salle Ave
Oakland, CA 94666
(510) 339-8900
jking@pmaloans.com
Kimberly Nash
Mortgage Banker
3241 Lakeshore Ave
Oakland, CA 94666
(510) 224-0794
Kimberly.Nash@chase.com
Royal Kirkland
Mortgage Banker
3241 Lakeshore Ave
Oakland, CA 94666
(510) 238-9306
Royal.Kirkland@chase.com
Sabrina Wu
Home Mortgage Consultant
500 12th Street Suite 150
Oakland, CA 94666
(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