Compare Today’s Refinance Rates for Mishawaka, Indiana 46545
Pureloan's search engine provides real-time analysis of refinance lenders to find the best home refinance rates available in Mishawaka, Indiana 46545.
Our analysis indicates that for 30-year amortization refinancing, you can expect to save up to $6,419 over the lifetime of your mortgage, which translates to a monthly savings of $18 in Mishawaka and other areas of St Joseph 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 Mishawaka, Indiana 46545
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Interactive Refinance Rate Projections for Mishawaka, Indiana 46545
Pureloan has developed an interactive chart to monitor the five largest local lenders in Mishawaka, IN 46545, 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 Mishawaka, Indiana 46545 from 2024 - 2016
The following historical data provides insights into refinancing trends in Mishawaka, Indiana and the surrounding St Joseph 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 | 92.86% | 46.12% | 50.48% | 48.73% | 58.97% | 45.82% | 40.86% | 41.37% | 40.48% |
avg refi rate | 6.72% | 3.73% | 3.03% | 3.35% | 4.21% | 4.71% | 4.14% | 3.87% | 4.04% |
% 15 year fixed refinance | 32.65% | 33.74% | 34.71% | 28.63% | 41.04% | 47.04% | 47.18% | 44.81% | |
avg refi rate | 2.81% | 2.49% | 2.82% | 3.66% | 3.90% | 3.28% | 3.08% | 3.17% | |
Avg credit score | 725.64 | 741.07 | 752.22 | 760.96 | 752.09 | 736.00 | 743.33 | 752.35 | 750.43 |
Avg LTV (loan to value) | 57.64% | 59.56% | 64.71% | 68.21% | 70.24% | 68.73% | 68.72% | 69.97% | 71.45% |
Avg DTI (debt to income) | 35.00 | 30.58 | 29.24 | 29.29 | 30.35 | 30.77 | 29.81 | 29.14 | 28.96 |
Avg refinance insurance % | 4.43% | 1.06% | 2.36% | 3.46% | 4.53% | 3.84% | 3.45% | 3.68% | 4.70% |
Best Refinance Brokers around Mishawaka, Indiana 46545
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Mishawaka, Indiana 46545, we have compiled a list of top refinance brokers to assist you in the process.
Katherine Chapple
Loan Officer
25 W. Cleveland
Mishawaka, IN 46545
(800) 539-2968
katherine_m_chapple@keybank.com
Tony Davey
Senior Associate Broker
3930 Edison Lakes Pkwy Ste 200
Mishawaka, IN 46545
(574) 485-1536
tonydavey@cressyandeverett.com
Sheral Litell
Senior Associate Broker
3930 Edison Lakes Pkwy Ste 200
Mishawaka, IN 46545
(574) 485-1527
sherallitell@cressyandeverett.com
Ryan White
Senior Associate Broker
3930 Edison Lakes Pkwy Ste 200
Mishawaka, IN 46545
(574) 485-1503
ryanwhite@cressyandeverett.com
Ryan Gableman
Associate Broker
3930 Edison Lakes Pkwy Ste 200
Mishawaka, IN 46545
(574) 485-1502
ryangableman@cressyandeverett.com
Address
25 W. Cleveland
Mishawaka, IN
Contact
(800) 539-2968
Fax (301) 639-0804
katherine_m_chapple@keybank.com
Address
3930 Edison Lakes Pkwy Ste 200
Mishawaka, IN
Contact
(574) 485-1536
Fax (301) 639-0804
tonydavey@cressyandeverett.com
Address
3930 Edison Lakes Pkwy Ste 200
Mishawaka, IN
Contact
(574) 485-1527
Fax (301) 639-0804
sherallitell@cressyandeverett.com