Compare Today’s Refinance Rates for Templeton, Iowa 51463
Pureloan's advanced engine provides real-time analysis of refinance lenders to find the best home refinance rates available in Templeton, Iowa 51463.
With a 30-year amortization refinance in Templeton and surrounding areas of Carroll county, our calculations show that you can expect to save up to $3,210 over the lifetime of your mortgage, or a monthly savings of $9. Pureloan explores all refinance loan options, including HELOC, short home refinancing, and positive equity refinancing for Templeton, Iowa 51463.
Summary of Average Refinances in Templeton, Iowa 51463
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Interactive Refinance Rate Projections for Templeton, Iowa 51463
Pureloan has developed an interactive chart to monitor the five largest local lenders in Templeton, IA 51463, 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 Templeton, Iowa 51463 from 2024 - 2016
The following historical data provides insights into refinancing trends in Templeton, Iowa and the surrounding Carroll 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 Templeton, Iowa 51463
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Templeton, Iowa 51463, we have compiled a list of top refinance brokers to assist you in the process.
Kent L Stensland
Loan Officer
102 W 2nd St # 8
Wall Lake, IA 51463
(712) 664-2311
kstensland@bankmidwest.com
Kevin Bogardus
Home Mortgage Consultant
900 Woodbury Ave Ste 5B
Council Bluffs, IA 51463
(712) 325-2660
kevin.bogardus@wellsfargo.com
Mellody Fairbanks
Home Mortgage Consultant
900 Woodbury Ave Ste 5B
Council Bluffs, IA 51463
(712) 325-2660
mellody.fairbanks@wellsfargo.com
Jeffrey Gillespie
Home Mortgage Consultant
900 Woodbury Ave Ste 5B
Council Bluffs, IA 51463
(712) 325-2660
jeffrey.gillespie@wellsfargo.com
Bradley Hamel
Home Mortgage Consultant
900 Woodbury Ave Ste 5B
Council Bluffs, IA 51463
(712) 325-2660
bradley.hamel@wellsfargo.com
Address
102 W 2nd St # 8
Wall Lake, IA
Contact
(712) 664-2311
Fax (301) 639-0804
kstensland@bankmidwest.com
Address
900 Woodbury Ave Ste 5B
Council Bluffs, IA
Contact
(712) 325-2660
Fax (301) 639-0804
kevin.bogardus@wellsfargo.com
Address
900 Woodbury Ave Ste 5B
Council Bluffs, IA
Contact
(712) 325-2660
Fax (301) 639-0804
mellody.fairbanks@wellsfargo.com