Compare Today’s Refinance Rates for Randall, Iowa 50231
Pureloan's search engine analyzes refinance lenders to provide you with the best real-time home refinance rates in Randall, Iowa 50231.
Our search engine evaluates all refinance loan options, including HELOC, short home refinancing, and positive equity refinancing in Randall, Iowa 50231. For 30-year amortization refinancing, you can expect lifetime cash savings of $5,836 or $16 per month in Randall and other parts of Hamilton county.
42.247463
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Summary of Average Refinances in Randall, Iowa 50231
Rate
APR
Expected Savings
Monthly Payment
Total Closing Costs
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Interactive Refinance Rate Projections for Randall, Iowa 50231
Pureloan has developed an interactive chart to monitor the five largest local lenders in Randall, IA 50231, 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 Randall, Iowa 50231 from 2024 - 2016
The following historical data provides insights into refinancing trends in Randall, Iowa and the surrounding Hamilton 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 | 73.33% | 51.51% | 49.98% | 51.06% | 59.17% | 60.71% | 51.34% | 53.45% | 55.81% |
| avg refi rate | 5.72% | 3.50% | 2.90% | 3.15% | 4.08% | 4.44% | 4.08% | 3.78% | 3.95% |
| % 15 year fixed refinance | 20.00% | 29.10% | 30.12% | 30.84% | 27.34% | 29.17% | 36.40% | 31.80% | 28.14% |
| avg refi rate | 5.87% | 2.58% | 2.35% | 2.66% | 3.46% | 3.75% | 3.21% | 2.96% | 3.18% |
| Avg credit score | 737.60 | 749.54 | 766.49 | 769.99 | 760.38 | 751.52 | 751.44 | 760.07 | 761.91 |
| Avg LTV (loan to value) | 56.13% | 65.86% | 67.62% | 69.56% | 70.56% | 69.64% | 73.52% | 72.39% | 73.13% |
| Avg DTI (debt to income) | 32.67 | 32.34 | 28.99 | 28.55 | 31.65 | 31.74 | 31.17 | 30.43 | 30.71 |
| Avg refinance insurance % | 2.22% | 2.77% | 3.29% | 5.00% | 3.05% | 5.10% | 3.98% | 3.83% |
Best Refinance Brokers around Randall, Iowa 50231
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Randall, Iowa 50231, we have compiled a list of top refinance brokers to assist you in the process.
Name
Address
Contact
Sandy Palmer
Asst Vice President Loan Operations Manager
PO Box 463
Osceola, IA 50231
(641) 342-2175
spalmer@americanstatebank.com
Nicole Grove-Fuller
Consumer Lending
PO Box 880
Waukee, IA 50231
(515) 987-4135
ngrove-fuller@ptsbank.com
Molly Maguire
Mortgage Lending
PO Box 880
Waukee, IA 50231
(515) 987-4135
mmaguire@ptsbank.com
Andy Newman
Mortgage Lending
PO Box 880
Waukee, IA 50231
(515) 987-4135
anewman@ptsbank.com
Todd Smith
Mortgage and Consumer Lending
PO Box 880
Waukee, IA 50231
(515) 987-4135
tsmith@ptsbank.com
Address
PO Box 463
Osceola, IA
Contact
(641) 342-2175
Fax (301) 639-0804
spalmer@americanstatebank.com
Address
PO Box 880
Waukee, IA
Contact
(515) 987-4135
Fax (301) 639-0804
ngrove-fuller@ptsbank.com
Address
PO Box 880
Waukee, IA
Contact
(515) 987-4135
Fax (301) 639-0804
mmaguire@ptsbank.com