Compare Today’s Refinance Rates for Annapolis, Illinois 62413
Pureloan's search engine provides real-time analysis of refinance lenders to find the best home refinance rates available in Annapolis, Illinois 62413.
Our analysis indicates that for 30-year amortization refinancing, you can expect to save up to $3,649 over the lifetime of your mortgage, which translates to a monthly savings of $10 in Annapolis and other areas of Crawford 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 Annapolis, Illinois 62413
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Interactive Refinance Rate Projections for Annapolis, Illinois 62413
Pureloan has developed an interactive chart to monitor the five largest local lenders in Annapolis, IL 62413, 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 Annapolis, Illinois 62413 from 2024 - 2016
The following historical data provides insights into refinancing trends in Annapolis, Illinois and the surrounding Crawford 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 | 40.00% | 57.41% | 42.89% | 36.79% | 61.02% | 66.39% | 49.64% | 49.65% | 50.35% |
| avg refi rate | 6.56% | 4.14% | 2.89% | 3.10% | 4.41% | 4.51% | 4.02% | 3.70% | 3.93% |
| % 15 year fixed refinance | 40.00% | 29.63% | 34.16% | 40.71% | 16.95% | 21.31% | 27.01% | 34.75% | 31.47% |
| avg refi rate | 6.34% | 3.12% | 2.29% | 2.51% | 3.52% | 3.91% | 3.27% | 2.85% | 3.11% |
| Avg credit score | 739.90 | 730.22 | 752.47 | 774.12 | 745.82 | 734.56 | 744.70 | 748.43 | 743.37 |
| Avg LTV (loan to value) | 55.10% | 67.41% | 67.59% | 68.28% | 71.65% | 71.09% | 72.60% | 69.67% | 69.06% |
| Avg DTI (debt to income) | 28.30 | 28.98 | 28.02 | 28.09 | 29.51 | 29.34 | 29.26 | 27.59 | 28.40 |
| Avg refinance insurance % | 1.75% | 2.76% | 2.65% | 3.53% | 2.81% | 2.40% | 2.11% | 2.34% |
Best Refinance Brokers around Annapolis, Illinois 62413
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Annapolis, Illinois 62413, we have compiled a list of top refinance brokers to assist you in the process.
Andrew Grunloh
Mortgage Loan Officer
2000 S Banker St
Effingham, IL 62413
(217) 347-7751
AGrunloh@crossroadsbank.com
Douglas Feldhake
Mortgage Loan Officer
2000 S Banker St
Effingham, IL 62413
(217) 347-7751
DFeldhake@crossroadsbank.com
Christopher Kabbes
Mortgage Loan Officer
2000 S Banker St
Effingham, IL 62413
(217) 347-7751
CKabbes@crossroadsbank.com
Landon Etheridge
Mortgage Loan Officer
2000 S Banker St
Effingham, IL 62413
(217) 347-7751
LEtheridge@crossroadsbank.com
Becky McGee
Mortgage Loan Officer
2000 S Banker St
Effingham, IL 62413
(217) 347-7751
BMcGee@crossroadsbank.com
Address
2000 S Banker St
Effingham, IL
Contact
(217) 347-7751
Fax (301) 639-0804
AGrunloh@crossroadsbank.com
Address
2000 S Banker St
Effingham, IL
Contact
(217) 347-7751
Fax (301) 639-0804
DFeldhake@crossroadsbank.com
Address
2000 S Banker St
Effingham, IL
Contact
(217) 347-7751
Fax (301) 639-0804
CKabbes@crossroadsbank.com