Compare Today’s Refinance Rates for Dickens, Iowa 51333
Pureloan's search engine provides real-time analysis of refinance lenders to find the best home refinance rates available in Dickens, Iowa 51333.
Our analysis indicates that for 30-year amortization refinancing, you can expect to save up to $9,580 over the lifetime of your mortgage, which translates to a monthly savings of $27 in Dickens and other areas of Clay 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 Dickens, Iowa 51333
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Interactive Refinance Rate Projections for Dickens, Iowa 51333
Pureloan has developed an interactive chart to monitor the five largest local lenders in Dickens, IA 51333, 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 Dickens, Iowa 51333 from 2024 - 2016
The following historical data provides insights into refinancing trends in Dickens, Iowa and the surrounding Clay 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% | 57.89% | 32.10% | 21.88% | 53.33% | 77.78% | 40.00% | 35.71% | 66.67% |
avg refi rate | 5.88% | 4.65% | 2.94% | 2.96% | 4.02% | 4.55% | 3.95% | 3.77% | 3.97% |
% 15 year fixed refinance | 15.79% | 48.15% | 53.13% | 26.67% | 22.22% | 48.00% | 35.71% | 23.81% | |
avg refi rate | 2.38% | 2.36% | 2.54% | 3.38% | 4.19% | 3.19% | 2.98% | 3.15% | |
Avg credit score | 733.00 | 734.63 | 755.30 | 762.57 | 756.87 | 736.56 | 742.44 | 747.93 | 755.14 |
Avg LTV (loan to value) | 73.33% | 69.16% | 67.05% | 65.78% | 73.80% | 74.67% | 71.48% | 64.14% | 70.00% |
Avg DTI (debt to income) | 25.33 | 30.53 | 28.53 | 28.14 | 24.73 | 32.11 | 32.32 | 25.36 | 28.00 |
Avg refinance insurance % | 8.33% | 0.63% | 3.63% | 3.20% | 4.80% | 2.00% | 1.96% | 2.14% | 3.81% |
Best Refinance Brokers around Dickens, Iowa 51333
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Dickens, Iowa 51333, we have compiled a list of top refinance brokers to assist you in the process.
Sid Fitch
Loan Officer
PO Box 7980
Spencer, IA 51333
(712) 262-3340
sid@farmerstrust.com
Kent Nelson
Loan Officer
PO Box 7980
Spencer, IA 51333
(712) 262-3340
kent@farmerstrust.com
Michael P Bryan
Senior Loan Officer
PO Box 7980
Spencer, IA 51333
(712) 262-3340
michael@farmerstrust.com
Jeremy Helmers
Loan Officer
PO Box 979
Okoboji, IA 51333
(712) 332-7000
jhelmers@bankmidwest.com
Bill Wymer
Loan Originators
1718 Hill Ave Ste B
Spirit Lake, IA 51333
(712) 336-2235
bill.wymer@teamusamtg.com
Address
PO Box 7980
Spencer, IA
Contact
(712) 262-3340
Fax (301) 639-0804
sid@farmerstrust.com
Address
PO Box 7980
Spencer, IA
Contact
(712) 262-3340
Fax (301) 639-0804
kent@farmerstrust.com
Address
PO Box 7980
Spencer, IA
Contact
(712) 262-3340
Fax (301) 639-0804
michael@farmerstrust.com