Compare Today’s Refinance Rates for South Bend, Indiana 46635
Pureloan's search engine provides real-time analysis of refinance lenders to find the best home refinance rates available in South Bend, Indiana 46635.
Our analysis indicates that for 30-year amortization refinancing, you can expect to save up to $3,339 over the lifetime of your mortgage, which translates to a monthly savings of $9 in South Bend 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 South Bend, Indiana 46635
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Interactive Refinance Rate Projections for South Bend, Indiana 46635
Pureloan has developed an interactive chart to monitor the five largest local lenders in South Bend, IN 46635, 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 South Bend, Indiana 46635 from 2024 - 2016
The following historical data provides insights into refinancing trends in South Bend, 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 | 92.31% | 51.52% | 54.38% | 55.37% | 64.30% | 58.42% | 42.30% | 49.48% | 55.01% |
avg refi rate | 6.53% | 3.58% | 2.97% | 3.25% | 4.06% | 4.53% | 4.11% | 3.90% | 4.07% |
% 15 year fixed refinance | 3.85% | 28.85% | 26.03% | 27.20% | 22.54% | 29.76% | 41.60% | 33.51% | 29.12% |
avg refi rate | 4.88% | 2.68% | 2.48% | 2.78% | 3.57% | 3.79% | 3.23% | 3.06% | 3.28% |
Avg credit score | 746.77 | 752.51 | 763.83 | 766.61 | 756.04 | 740.83 | 748.67 | 758.17 | 755.51 |
Avg LTV (loan to value) | 62.15% | 58.22% | 64.42% | 69.10% | 72.84% | 68.95% | 70.01% | 71.93% | 74.20% |
Avg DTI (debt to income) | 38.12 | 29.61 | 28.70 | 28.66 | 30.99 | 30.88 | 30.47 | 28.95 | 29.47 |
Avg refinance insurance % | 2.77% | 0.82% | 1.79% | 3.33% | 5.95% | 3.38% | 3.53% | 4.48% | 5.21% |
Best Refinance Brokers around South Bend, Indiana 46635
If you are considering refinancing your mortgage or obtaining a cash-out refinance in South Bend, Indiana 46635, we have compiled a list of top refinance brokers to assist you in the process.
Suzanne Tufts
Mortgage Banker
2101 South Bend Ave
South Bend, IN 46635
(574) 307-7910
suzanne.t.tufts@chase.com
Nicole Nelund
Sales Associate/Mortgage Consultant
54505 26th St Ste F
South Bend, IN 46635
(574) 968-6661
nnelund@hallmarkhomemortgage.com
Rick Stanley
Senior Loan Officer
54505 26th St Ste F
South Bend, IN 46635
(574) 968-6657
rstanley@hallmarkhomemortgage.com
Jane Koebel
Senior Loan Officer
54505 26th St Ste F
South Bend, IN 46635
(574) 968-6655
jkoebel@hallmarkhomemortgage.com
Duncan Cairns
Senior Loan Officer
54505 26th St Ste F
South Bend, IN 46635
(574) 243-9515
dcairns@hallmarkhomemortgage.com
Address
2101 South Bend Ave
South Bend, IN
Contact
(574) 307-7910
Fax (301) 639-0804
suzanne.t.tufts@chase.com
Address
54505 26th St Ste F
South Bend, IN
Contact
(574) 968-6661
Fax (301) 639-0804
nnelund@hallmarkhomemortgage.com
Address
54505 26th St Ste F
South Bend, IN
Contact
(574) 968-6657
Fax (301) 639-0804
rstanley@hallmarkhomemortgage.com