Compare Today’s Refinance Rates for Emden, Illinois 62635
Pureloan's advanced engine provides real-time analysis of refinance lenders to find the best home refinance rates available in Emden, Illinois 62635.
With a 30-year amortization refinance in Emden and surrounding areas of Logan county, our calculations show that you can expect to save up to $3,175 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 Emden, Illinois 62635.
40.294538
-89.517441
27064
Summary of Average Refinances in Emden, Illinois 62635
Rate
APR
Expected Savings
Monthly Payment
Total Closing Costs
Become a certified mortgage expert on Pureloan.com
in Emden, Illinois 62635
Reach hundreds of thousands of home buyers and refinance customers every month! FREE APPLICATION
Interactive Refinance Rate Projections for Emden, Illinois 62635
Pureloan has developed an interactive chart to monitor the five largest local lenders in Emden, IL 62635, 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 Emden, Illinois 62635 from 2024 - 2016
The following historical data provides insights into refinancing trends in Emden, Illinois and the surrounding Logan 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 | 42.21% | 43.72% | 37.93% | 49.84% | 40.10% | 40.34% | 38.55% | 54.27% | |
| avg refi rate | 3.95% | 3.92% | 4.11% | 4.51% | 3.74% | 3.96% | 4.53% | 4.83% | |
| % 15 year fixed refinance | 37.19% | 30.42% | 33.70% | 30.10% | 35.17% | 34.69% | 40.15% | 33.94% | |
| avg refi rate | 3.20% | 3.12% | 3.21% | 3.54% | 2.98% | 3.24% | 3.78% | 4.21% | |
| Avg credit score | 759.66 | 761.43 | 758.70 | 754.77 | 766.58 | 769.75 | 766.48 | 768.91 | |
| Avg LTV (loan to value) | 74.79% | 74.63% | 74.45% | 75.36% | 70.82% | 69.70% | 67.56% | 68.97% | |
| Avg DTI (debt to income) | 31.52 | 31.20 | 31.34 | 31.75 | 30.35 | 29.70 | 30.58 | 29.93 | |
| Avg refinance insurance % | 5.49% | 5.82% | 5.34% | 5.41% | 3.79% | 2.79% | 2.12% | 2.04% |
Best Refinance Brokers around Emden, Illinois 62635
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Emden, Illinois 62635, we have compiled a list of top refinance brokers to assist you in the process.
Name
Address
Contact
Dawn Horrell
Mortgage Consultant
402 N 3rd St
Girard, IL 62635
(217) 627-2186
dhorrell@psbank.net
Amy Vollmer
Mortgage Loan Consultant
101 W Main St
Havana, IL 62635
(309) 277-2324
amy.vollmer@thenb.com
Scott Musch
President/Loan Officer
300 Washington St
Beardstown, IL 62635
(217) 323-4105
smusch@fnbbtown.com
Jason Brockschmidt
Loan Officer
300 Washington St
Beardstown, IL 62635
(217) 323-4105
jbrockschmidt@fnbbtown.com
Jeanette Harbin
Loan Officer
300 Washington St
Beardstown, IL 62635
(217) 323-4105
jharbin@fnbbtown.com
Address
402 N 3rd St
Girard, IL
Contact
(217) 627-2186
Fax (301) 639-0804
dhorrell@psbank.net
Address
101 W Main St
Havana, IL
Contact
(309) 277-2324
Fax (301) 639-0804
amy.vollmer@thenb.com
Address
300 Washington St
Beardstown, IL
Contact
(217) 323-4105
Fax (301) 639-0804
smusch@fnbbtown.com