Compare Today’s Refinance Rates for Saint Charles, Missouri 63302
Pureloan's advanced engine provides real-time analysis of refinance lenders to find the best home refinance rates available in Saint Charles, Missouri 63302.
With a 30-year amortization refinance in Saint Charles and surrounding areas of Saint Charles county, our calculations show that you can expect to save up to $4,341 over the lifetime of your mortgage, or a monthly savings of $12. Pureloan explores all refinance loan options, including HELOC, short home refinancing, and positive equity refinancing for Saint Charles, Missouri 63302.
Summary of Average Refinances in Saint Charles, Missouri 63302
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Interactive Refinance Rate Projections for Saint Charles, Missouri 63302
Pureloan has developed an interactive chart to monitor the five largest local lenders in Saint Charles, MO 63302, 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 Charles, Missouri 63302 from 2024 - 2016
The following historical data provides insights into refinancing trends in Saint Charles, Missouri and the surrounding Saint Charles 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 | 53.01% | 56.09% | 58.04% | 56.91% | 52.46% | 51.37% | 49.39% | 59.99% | |
avg refi rate | 3.94% | 3.88% | 4.07% | 4.53% | 3.72% | 3.92% | 4.46% | 4.80% | |
% 15 year fixed refinance | 34.14% | 28.04% | 25.94% | 30.62% | 34.91% | 29.12% | 31.68% | 26.19% | |
avg refi rate | 3.24% | 3.12% | 3.30% | 3.64% | 2.98% | 3.25% | 3.76% | 4.22% | |
Avg credit score | 756.95 | 759.34 | 759.43 | 753.30 | 767.17 | 771.08 | 767.40 | 766.88 | |
Avg LTV (loan to value) | 70.56% | 72.28% | 73.28% | 72.93% | 68.80% | 66.45% | 66.08% | 64.67% | |
Avg DTI (debt to income) | 31.33 | 30.97 | 30.84 | 31.28 | 28.95 | 28.22 | 28.86 | 28.62 | |
Avg refinance insurance % | 4.14% | 4.87% | 5.84% | 5.22% | 3.50% | 2.60% | 2.53% | 1.65% |
Best Refinance Brokers around Saint Charles, Missouri 63302
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Saint Charles, Missouri 63302, we have compiled a list of top refinance brokers to assist you in the process.
Bryan Welker
Loan Officer
2102 Bluestone Drive, Ste#106
Saint Charles, MO 63302
(636) 724-4469
bryan.welker@phhonline.com
Thomas Dempsey
Vice President, Commercial Lending
3700 New Town Boulevard
St. Charles, MO 63302
(636) 736-3035
Thomas_Dempsey@fnbstl.com
Mike Vitale
AVP/Loan Officer
5991 HWY 94 South
Weldon Springs, MO 63302
(636) 949-1101
mvitale@heartlandpreferred.com
Dave Bazzell
Loan Officer
200 N. Main St
St. Charles, MO 63302
(314) 630-7679
dave@imctx.com
Rob Bazzell
Loan Officer
200 N. Main St
St. Charles, MO 63302
(314) 651-8014
rob@imctx.com
Address
2102 Bluestone Drive, Ste#106
Saint Charles, MO
Contact
(636) 724-4469
Fax (301) 639-0804
bryan.welker@phhonline.com
Address
3700 New Town Boulevard
St. Charles, MO
Contact
(636) 736-3035
Fax (301) 639-0804
Thomas_Dempsey@fnbstl.com
Address
5991 HWY 94 South
Weldon Springs, MO
Contact
(636) 949-1101
Fax (301) 639-0804
mvitale@heartlandpreferred.com