Compare Today’s Refinance Rates for Tracy, Iowa 50256
Pureloan's search engine provides real-time analysis of refinance lenders to find the best home refinance rates available in Tracy, Iowa 50256.
Our analysis indicates that for 30-year amortization refinancing, you can expect to save up to $2,279 over the lifetime of your mortgage, which translates to a monthly savings of $6 in Tracy and other areas of Marion 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 Tracy, Iowa 50256
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Interactive Refinance Rate Projections for Tracy, Iowa 50256
Pureloan has developed an interactive chart to monitor the five largest local lenders in Tracy, IA 50256, 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 Tracy, Iowa 50256 from 2024 - 2016
The following historical data provides insights into refinancing trends in Tracy, Iowa and the surrounding Marion 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 Tracy, Iowa 50256
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Tracy, Iowa 50256, we have compiled a list of top refinance brokers to assist you in the process.
Nicole Grove-Fuller
Consumer Lending
PO Box 880
Waukee, IA 50256
(515) 987-4135
ngrove-fuller@ptsbank.com
Molly Maguire
Mortgage Lending
PO Box 880
Waukee, IA 50256
(515) 987-4135
mmaguire@ptsbank.com
Andy Newman
Mortgage Lending
PO Box 880
Waukee, IA 50256
(515) 987-4135
anewman@ptsbank.com
Todd Smith
Mortgage and Consumer Lending
PO Box 880
Waukee, IA 50256
(515) 987-4135
tsmith@ptsbank.com
Rod West
Loan Officer
PO Box 880
Waukee, IA 50256
(515) 987-4135
rwest@ptsbank.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
Address
PO Box 880
Waukee, IA
Contact
(515) 987-4135
Fax (301) 639-0804
anewman@ptsbank.com