Compare Today’s Refinance Rates for Winthrop, Iowa 50682
Pureloan's advanced engine provides real-time analysis of refinance lenders to find the best home refinance rates available in Winthrop, Iowa 50682.
With a 30-year amortization refinance in Winthrop and surrounding areas of Buchanan county, our calculations show that you can expect to save up to $4,553 over the lifetime of your mortgage, or a monthly savings of $13. Pureloan explores all refinance loan options, including HELOC, short home refinancing, and positive equity refinancing for Winthrop, Iowa 50682.
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Summary of Average Refinances in Winthrop, Iowa 50682
Rate
APR
Expected Savings
Monthly Payment
Total Closing Costs
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Interactive Refinance Rate Projections for Winthrop, Iowa 50682
Pureloan has developed an interactive chart to monitor the five largest local lenders in Winthrop, IA 50682, 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 Winthrop, Iowa 50682 from 2024 - 2016
The following historical data provides insights into refinancing trends in Winthrop, Iowa and the surrounding Buchanan 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 | 60.00% | 60.83% | 55.57% | 49.33% | 67.65% | 61.90% | 47.96% | 66.28% | 52.05% |
| avg refi rate | 5.91% | 3.55% | 2.83% | 3.08% | 4.08% | 4.27% | 4.10% | 3.65% | 3.77% |
| % 15 year fixed refinance | 20.00% | 28.33% | 32.83% | 39.05% | 26.47% | 26.98% | 36.73% | 19.77% | 32.19% |
| avg refi rate | 5.75% | 3.04% | 2.34% | 2.54% | 3.56% | 3.53% | 3.08% | 2.80% | 3.01% |
| Avg credit score | 766.80 | 744.00 | 760.61 | 768.21 | 754.25 | 745.14 | 745.21 | 751.80 | 759.08 |
| Avg LTV (loan to value) | 72.20% | 69.80% | 70.48% | 71.47% | 75.76% | 72.32% | 76.87% | 75.30% | 71.64% |
| Avg DTI (debt to income) | 30.00 | 32.62 | 29.58 | 29.11 | 31.03 | 31.67 | 31.09 | 29.13 | 30.72 |
| Avg refinance insurance % | 7.40% | 3.77% | 3.98% | 5.47% | 8.70% | 4.13% | 6.47% | 6.44% | 3.31% |
Best Refinance Brokers around Winthrop, Iowa 50682
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Winthrop, Iowa 50682, we have compiled a list of top refinance brokers to assist you in the process.
Name
Address
Contact
Jordan Schick
Loan Officer
999 Home Plz Ste 301
Waterloo, IA 50682
(319) 433-3977
jordans@mylsb.com
Alan Tscherter
VP Mortgage Lending
999 Home Plz Ste 301
Waterloo, IA 50682
(641) 691-4999
alant@mylsb.com
Benjamin Buckley
Vice President/Loan Officer
PO Box 2097
Waterloo, IA 50682
(319) 234-6641
benbuckley@kirkgross.com
Charles Yagla
Loan Officer
PO Box 2097
Waterloo, IA 50682
(319) 234-6641
chuckyagla@kirkgross.com
Sandra Whitters
Loan Officer
930 Tower Park Dr
Waterloo, IA 50682
(319) 553-3853
sandrawhitters@uiccu.org
Address
999 Home Plz Ste 301
Waterloo, IA
Contact
(319) 433-3977
Fax (301) 639-0804
jordans@mylsb.com
Address
999 Home Plz Ste 301
Waterloo, IA
Contact
(641) 691-4999
Fax (301) 639-0804
alant@mylsb.com
Address
PO Box 2097
Waterloo, IA
Contact
(319) 234-6641
Fax (301) 639-0804
benbuckley@kirkgross.com