Compare Today’s Refinance Rates for Saint Francisville, Illinois 62460
Pureloan's advanced engine provides real-time analysis of refinance lenders to find the best home refinance rates available in Saint Francisville, Illinois 62460.
With a 30-year amortization refinance in Saint Francisville and surrounding areas of Lawrence county, our calculations show that you can expect to save up to $858 over the lifetime of your mortgage, or a monthly savings of $2. Pureloan explores all refinance loan options, including HELOC, short home refinancing, and positive equity refinancing for Saint Francisville, Illinois 62460.
Summary of Average Refinances in Saint Francisville, Illinois 62460
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Interactive Refinance Rate Projections for Saint Francisville, Illinois 62460
Pureloan has developed an interactive chart to monitor the five largest local lenders in Saint Francisville, IL 62460, 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 Saint Francisville, Illinois 62460 from 2024 - 2016
The following historical data provides insights into refinancing trends in Saint Francisville, Illinois and the surrounding Lawrence 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 Saint Francisville, Illinois 62460
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Saint Francisville, Illinois 62460, we have compiled a list of top refinance brokers to assist you in the process.
Matt Danbury
Mortgage Lender
130 N Water St
Decatur, IL 62460
(217) 425-8292
matt.danbury@busey.com
Sherry Cool
Loan Officer
225 N Water St Ste 102
Decatur, IL 62460
(217) 872-6272
sherry.cool@hickorypointbank.com
Malissa Munsterman
Loan Officer
225 N Water St Ste 102
Decatur, IL 62460
(217) 872-3957
malissa.munsterman@hickorypointbank.com
Dennis Warner
Mortgage Lender
2505 N Water St
Decatur, IL 62460
(217) 425-8329
dennis.warner@busey.com
Cindy Shugart
Sr. Loan Officer
415 E Ash Ave Ste B
Decatur, IL 62460
(217) 875-5870 Ext203
cynthia.shugart@1amllc.com
Address
130 N Water St
Decatur, IL
Contact
(217) 425-8292
Fax (301) 639-0804
matt.danbury@busey.com
Address
225 N Water St Ste 102
Decatur, IL
Contact
(217) 872-6272
Fax (301) 639-0804
sherry.cool@hickorypointbank.com
Address
225 N Water St Ste 102
Decatur, IL
Contact
(217) 872-3957
Fax (301) 639-0804
malissa.munsterman@hickorypointbank.com