Compare Today’s Refinance Rates for Stockton, California 95203
Pureloan's search engine provides real-time analysis of refinance lenders to find the best home refinance rates available in Stockton, California 95203.
Our analysis indicates that for 30-year amortization refinancing, you can expect to save up to $5,548 over the lifetime of your mortgage, which translates to a monthly savings of $15 in Stockton and other areas of San Joaquin 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 Stockton, California 95203
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Interactive Refinance Rate Projections for Stockton, California 95203
Pureloan has developed an interactive chart to monitor the five largest local lenders in Stockton, CA 95203, 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 Stockton, California 95203 from 2024 - 2016
The following historical data provides insights into refinancing trends in Stockton, California and the surrounding San Joaquin 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 | 100.00% | 64.91% | 70.01% | 68.83% | 74.10% | 67.52% | 57.43% | 63.21% | 61.86% |
avg refi rate | 6.33% | 3.53% | 2.95% | 3.29% | 4.12% | 4.58% | 4.19% | 3.91% | 4.14% |
% 15 year fixed refinance | 21.27% | 18.69% | 18.98% | 13.86% | 21.97% | 31.59% | 23.58% | 26.43% | |
avg refi rate | 2.68% | 2.42% | 2.78% | 3.55% | 3.89% | 3.38% | 3.19% | 3.33% | |
Avg credit score | 742.33 | 739.70 | 748.92 | 753.82 | 743.92 | 741.71 | 760.96 | 753.12 | 753.87 |
Avg LTV (loan to value) | 64.33% | 54.67% | 61.86% | 65.90% | 70.19% | 64.74% | 65.30% | 66.56% | 67.33% |
Avg DTI (debt to income) | 38.89 | 35.42 | 34.56 | 33.54 | 36.14 | 36.00 | 34.71 | 35.93 | 33.91 |
Avg refinance insurance % | 2.78% | 0.53% | 1.53% | 2.62% | 4.53% | 2.46% | 2.64% | 2.22% | 2.57% |
Best Refinance Brokers around Stockton, California 95203
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Stockton, California 95203, we have compiled a list of top refinance brokers to assist you in the process.
Billy Nathaniel
Loan Officer
3415 Brookside Road Suite 200
Stockton, CA 95203
(209) 473-9277
billy.nathaniel@academymortgage.com
Raymond Archibeque
Loan Officer
1889 West March Lane
Stockton, CA 95203
(209) 870-3200
Raymond.Archibeque@rabobank.com
Maria R. Negrete
Loan Originator
3203 W March Lane, Ste. 120
Stockton, CA 95203
(209) 390-0034
mnegrete@primelending.com
Trami Nguyen
Loan Officer
2025 W March Ln #1
Stockton, CA 95203
Trami@MSJMortgage.com
Sandra Ceron
Loan Officer
2025 W March Ln #1
Stockton, CA 95203
Sandra@MSJMortgage.com
Address
3415 Brookside Road Suite 200
Stockton, CA
Contact
(209) 473-9277
Fax (301) 639-0804
billy.nathaniel@academymortgage.com
Address
1889 West March Lane
Stockton, CA
Contact
(209) 870-3200
Fax (301) 639-0804
Raymond.Archibeque@rabobank.com
Address
3203 W March Lane, Ste. 120
Stockton, CA
Contact
(209) 390-0034
Fax (301) 639-0804
mnegrete@primelending.com