Compare Today’s Refinance Rates for Saint Olaf, Iowa 52072
Pureloan's advanced engine provides real-time analysis of refinance lenders to find the best home refinance rates available in Saint Olaf, Iowa 52072.
With a 30-year amortization refinance in Saint Olaf and surrounding areas of Clayton county, our calculations show that you can expect to save up to $3,946 over the lifetime of your mortgage, or a monthly savings of $11. Pureloan explores all refinance loan options, including HELOC, short home refinancing, and positive equity refinancing for Saint Olaf, Iowa 52072.
Summary of Average Refinances in Saint Olaf, Iowa 52072
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Interactive Refinance Rate Projections for Saint Olaf, Iowa 52072
Pureloan has developed an interactive chart to monitor the five largest local lenders in Saint Olaf, IA 52072, 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 Saint Olaf, Iowa 52072 from 2024 - 2016
The following historical data provides insights into refinancing trends in Saint Olaf, Iowa and the surrounding Clayton 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% | 54.29% | 50.26% | 50.19% | 69.57% | 56.06% | 46.09% | 40.00% | 60.10% |
| avg refi rate | 5.96% | 3.72% | 2.84% | 3.26% | 3.96% | 4.23% | 3.86% | 3.59% | 3.74% |
| % 15 year fixed refinance | 28.57% | 32.80% | 31.46% | 17.39% | 30.30% | 42.61% | 45.33% | 23.83% | |
| avg refi rate | 3.03% | 2.35% | 2.75% | 3.24% | 3.68% | 2.97% | 2.72% | 2.94% | |
| Avg credit score | 755.67 | 729.71 | 751.29 | 760.39 | 760.21 | 753.56 | 762.76 | 768.26 | 759.49 |
| Avg LTV (loan to value) | 64.00% | 65.31% | 68.01% | 71.91% | 74.29% | 68.21% | 65.65% | 67.45% | 68.89% |
| Avg DTI (debt to income) | 36.67 | 34.49 | 31.68 | 31.00 | 31.30 | 33.45 | 30.85 | 30.22 | 30.48 |
| Avg refinance insurance % | 4.00% | 2.11% | 2.80% | 4.33% | 6.30% | 2.58% | 2.13% | 2.33% | 2.22% |
Best Refinance Brokers around Saint Olaf, Iowa 52072
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Saint Olaf, Iowa 52072, we have compiled a list of top refinance brokers to assist you in the process.
Barry K Fruechte
Loan Officer
118 Main St NE # 8
New Albin, IA 52072
(563) 544-4214
barry@newalbinsavingsbank.com
Dan Denk
Loan Officer
PO Box 246
Waukon, IA 52072
(563) 568-3451
dan@waukonstatebank.com
James E. Sweeney
President /Loan Officer
PO Box 246
Waukon, IA 52072
(563) 568-3451
jim@waukonstatebank.com
Laurie Henkels
Loan Officer
208 Edgar St
Marquette, IA 52072
(563) 873-3553
Laurie.Henkels@bankatcentral.com
Beverly Towle
Loan Officer
208 Edgar St
Marquette, IA 52072
(563) 873-3553
Beverly.Towle@bankatcentral.com
Address
118 Main St NE # 8
New Albin, IA
Contact
(563) 544-4214
Fax (301) 639-0804
barry@newalbinsavingsbank.com
Address
PO Box 246
Waukon, IA
Contact
(563) 568-3451
Fax (301) 639-0804
dan@waukonstatebank.com
Address
PO Box 246
Waukon, IA
Contact
(563) 568-3451
Fax (301) 639-0804
jim@waukonstatebank.com