Compare Today’s Refinance Rates for Ophiem, Illinois 61468
Pureloan's search engine analyzes refinance lenders to provide you with the best real-time home refinance rates in Ophiem, Illinois 61468.
Our search engine evaluates all refinance loan options, including HELOC, short home refinancing, and positive equity refinancing in Ophiem, Illinois 61468. For 30-year amortization refinancing, you can expect lifetime cash savings of $3,065 or $9 per month in Ophiem and other parts of Henry county.
Summary of Average Refinances in Ophiem, Illinois 61468
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Interactive Refinance Rate Projections for Ophiem, Illinois 61468
Pureloan has developed an interactive chart to monitor the five largest local lenders in Ophiem, IL 61468, 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 Ophiem, Illinois 61468 from 2024 - 2016
The following historical data provides insights into refinancing trends in Ophiem, Illinois and the surrounding Henry 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 | 89.47% | 46.48% | 38.95% | 39.11% | 51.84% | 62.75% | 47.58% | 36.68% | 39.77% |
| avg refi rate | 6.43% | 3.76% | 2.98% | 3.20% | 4.24% | 4.55% | 4.11% | 3.79% | 3.97% |
| % 15 year fixed refinance | 5.26% | 42.61% | 41.58% | 40.96% | 34.36% | 27.45% | 38.29% | 48.49% | 44.32% |
| avg refi rate | 6.50% | 2.81% | 2.40% | 2.63% | 3.55% | 3.84% | 3.26% | 2.95% | 3.07% |
| Avg credit score | 742.84 | 777.14 | 762.58 | 766.15 | 751.47 | 746.37 | 752.87 | 754.41 | 759.78 |
| Avg LTV (loan to value) | 63.00% | 65.68% | 67.49% | 70.61% | 70.17% | 73.75% | 71.90% | 72.44% | 73.51% |
| Avg DTI (debt to income) | 31.32 | 32.20 | 31.42 | 30.69 | 32.02 | 33.93 | 32.35 | 31.75 | 31.77 |
| Avg refinance insurance % | 0.63% | 2.18% | 2.54% | 3.32% | 3.53% | 4.31% | 4.20% | 4.14% | 4.63% |
Best Refinance Brokers around Ophiem, Illinois 61468
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Ophiem, Illinois 61468, we have compiled a list of top refinance brokers to assist you in the process.
June Harnacke
Loan Officer
134 S Sampson St
Tremont, IL 61468
(217) 445-2211
june@newhollandbank.com
Keith Garlish
Loans officer
7508 N. Kickapoo Edwards Road
Edwards, IL 61468
(309) 676-0069
kgarlis@1stfarmcredit.com
Mary Malone
Lending Services Administrator
7508 N. Kickapoo Edwards Road
Edwards, IL 61468
(309) 676-0069
mmalon1@1stfarmcredit.com
Jill Shafer
Lending Services Administrator
7508 N. Kickapoo Edwards Road
Edwards, IL 61468
(309) 676-0069
jshafer@1stfarmcredit.com
Rodney Robenstein
Loans officer
515 E. Courtland St.
Morton, IL 61468
(309) 266-7059
rrobens@1stfarmcredit.com
Address
134 S Sampson St
Tremont, IL
Contact
(217) 445-2211
Fax (301) 639-0804
june@newhollandbank.com
Address
7508 N. Kickapoo Edwards Road
Edwards, IL
Contact
(309) 676-0069
Fax (301) 639-0804
kgarlis@1stfarmcredit.com
Address
7508 N. Kickapoo Edwards Road
Edwards, IL
Contact
(309) 676-0069
Fax (301) 639-0804
mmalon1@1stfarmcredit.com