Compare Today’s Refinance Rates for Shelbyville, Kentucky 40065
Pureloan's search engine provides real-time analysis of refinance lenders to find the best home refinance rates available in Shelbyville, Kentucky 40065.
Our analysis indicates that for 30-year amortization refinancing, you can expect to save up to $12,487 over the lifetime of your mortgage, which translates to a monthly savings of $35 in Shelbyville and other areas of Shelby 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 Shelbyville, Kentucky 40065
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Interactive Refinance Rate Projections for Shelbyville, Kentucky 40065
Pureloan has developed an interactive chart to monitor the five largest local lenders in Shelbyville, KY 40065, 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 Shelbyville, Kentucky 40065 from 2024 - 2016
The following historical data provides insights into refinancing trends in Shelbyville, Kentucky and the surrounding Shelby 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 | 83.87% | 57.88% | 58.18% | 55.66% | 60.74% | 63.45% | 58.30% | 59.29% | 55.06% |
avg refi rate | 6.46% | 3.71% | 2.95% | 3.23% | 4.09% | 4.55% | 4.12% | 3.85% | 4.06% |
% 15 year fixed refinance | 16.13% | 24.55% | 24.70% | 27.29% | 20.39% | 25.89% | 27.94% | 31.53% | 27.68% |
avg refi rate | 5.41% | 2.85% | 2.41% | 2.73% | 3.59% | 3.92% | 3.21% | 3.08% | 3.26% |
Avg credit score | 740.52 | 741.28 | 753.57 | 759.81 | 756.97 | 749.46 | 745.92 | 754.47 | 757.05 |
Avg LTV (loan to value) | 62.10% | 60.36% | 66.15% | 68.49% | 71.62% | 66.00% | 70.26% | 69.77% | 71.38% |
Avg DTI (debt to income) | 35.48 | 33.16 | 30.55 | 30.10 | 31.94 | 31.10 | 32.71 | 30.12 | 30.43 |
Avg refinance insurance % | 1.61% | 0.88% | 1.91% | 2.84% | 4.64% | 2.70% | 2.87% | 3.46% | 4.18% |
Best Refinance Brokers around Shelbyville, Kentucky 40065
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Shelbyville, Kentucky 40065, we have compiled a list of top refinance brokers to assist you in the process.
Daniel Ruble
Loan Officer
422 Main St
Shelbyville, KY 40065
(502) 418-3809
Daniel.Ruble@CBandT.com
Larry Perkins
Agricultural and Commercial Lending Officer
1103 Old Highway 60
Hardinsburg, KY 40065
(270) 756-2154
lperkins@cecilianbank.com
Greg Gentry
Loan Officer
PO Box 988
Radcliff, KY 40065
(270) 769-2301
GGentry@first-citizens.com
Melissa Payne
Loan Operations
PO Box 988
Radcliff, KY 40065
(270) 769-2301
MPayne@first-citizens.com
David Hunt
Senior Vice President / Chief Credit Officer
PO Box 988
Radcliff, KY 40065
(270) 769-2301
DHunt@first-citizens.com
Address
422 Main St
Shelbyville, KY
Contact
(502) 418-3809
Fax (301) 639-0804
Daniel.Ruble@CBandT.com
Address
1103 Old Highway 60
Hardinsburg, KY
Contact
(270) 756-2154
Fax (301) 639-0804
lperkins@cecilianbank.com
Address
PO Box 988
Radcliff, KY
Contact
(270) 769-2301
Fax (301) 639-0804
GGentry@first-citizens.com