Compare Today’s Refinance Rates for O Fallon, Illinois 62269
Pureloan's search engine analyzes refinance lenders to provide you with the best real-time home refinance rates in O Fallon, Illinois 62269.
Our search engine evaluates all refinance loan options, including HELOC, short home refinancing, and positive equity refinancing in O Fallon, Illinois 62269. For 30-year amortization refinancing, you can expect lifetime cash savings of $4,341 or $12 per month in O Fallon and other parts of Saint Clair county.
Summary of Average Refinances in O Fallon, Illinois 62269
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Interactive Refinance Rate Projections for O Fallon, Illinois 62269
Pureloan has developed an interactive chart to monitor the five largest local lenders in O Fallon, IL 62269, 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 O Fallon, Illinois 62269 from 2024 - 2016
The following historical data provides insights into refinancing trends in O Fallon, Illinois and the surrounding Saint Clair 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 O Fallon, Illinois 62269
If you are considering refinancing your mortgage or obtaining a cash-out refinance in O Fallon, Illinois 62269, we have compiled a list of top refinance brokers to assist you in the process.
JASON EVELAND
Mortgage Consultant
3940 Green Mount Crossing Dr
O Fallon, IL 62269
(618) 622-2877
jason.eveland@wellsfargo.com
KIARA JOHNSON
Mortgage Consultant
3940 Green Mount Crossing Dr
O Fallon, IL 62269
(618) 622-2877
kiara.johnson@wellsfargo.com
ELAN MCMILLIN
Mortgage Consultant
3940 Green Mount Crossing Dr
O Fallon, IL 62269
(618) 622-2877
elan.mcmillin@wellsfargo.com
Mike Edwards
Sr. Mortgage Specialist
1505 W US Highway 50
O Fallon, IL 62269
(618) 624-9800
medwards@firstcomortgage.com
David Wright
Sr. Mortgage Specialist
1505 W US Highway 50
O Fallon, IL 62269
(618) 604-8345
dwright@firstcomortgage.com
Address
3940 Green Mount Crossing Dr
O Fallon, IL
Contact
(618) 622-2877
Fax (301) 639-0804
jason.eveland@wellsfargo.com
Address
3940 Green Mount Crossing Dr
O Fallon, IL
Contact
(618) 622-2877
Fax (301) 639-0804
kiara.johnson@wellsfargo.com
Address
3940 Green Mount Crossing Dr
O Fallon, IL
Contact
(618) 622-2877
Fax (301) 639-0804
elan.mcmillin@wellsfargo.com