Compare Today’s Refinance Rates for Smithfield, Kentucky 40068
Pureloan's search engine provides real-time analysis of refinance lenders to find the best home refinance rates available in Smithfield, Kentucky 40068.
Our analysis indicates that for 30-year amortization refinancing, you can expect to save up to $10,164 over the lifetime of your mortgage, which translates to a monthly savings of $28 in Smithfield and other areas of Henry 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 Smithfield, Kentucky 40068
Become a certified mortgage expert on Pureloan.com
in Smithfield, Kentucky 40068
Reach hundreds of thousands of home buyers and refinance customers every month! FREE APPLICATION
Interactive Refinance Rate Projections for Smithfield, Kentucky 40068
Pureloan has developed an interactive chart to monitor the five largest local lenders in Smithfield, KY 40068, 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 Smithfield, Kentucky 40068 from 2024 - 2016
The following historical data provides insights into refinancing trends in Smithfield, Kentucky 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 | 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 Smithfield, Kentucky 40068
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Smithfield, Kentucky 40068, we have compiled a list of top refinance brokers to assist you in the process.
Larry Perkins
Agricultural and Commercial Lending Officer
1103 Old Highway 60
Hardinsburg, KY 40068
(270) 756-2154
lperkins@cecilianbank.com
Greg Gentry
Loan Officer
PO Box 988
Radcliff, KY 40068
(270) 769-2301
GGentry@first-citizens.com
Melissa Payne
Loan Operations
PO Box 988
Radcliff, KY 40068
(270) 769-2301
MPayne@first-citizens.com
David Hunt
Senior Vice President / Chief Credit Officer
PO Box 988
Radcliff, KY 40068
(270) 769-2301
DHunt@first-citizens.com
Anthony Conder
Loan Officer
245 N Dixie Blvd
Radcliff, KY 40068
(270) 351-3388
aconder@cecilianbank.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
Address
PO Box 988
Radcliff, KY
Contact
(270) 769-2301
Fax (301) 639-0804
MPayne@first-citizens.com