Compare Today’s Refinance Rates for Columbus, Mississippi 39701
Pureloan's search engine analyzes refinance lenders to provide you with the best real-time home refinance rates in Columbus, Mississippi 39701.
Our search engine evaluates all refinance loan options, including HELOC, short home refinancing, and positive equity refinancing in Columbus, Mississippi 39701. For 30-year amortization refinancing, you can expect lifetime cash savings of $10,288 or $29 per month in Columbus and other parts of Lowndes county.
33.537699
-88.426194
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Summary of Average Refinances in Columbus, Mississippi 39701
Rate
APR
Expected Savings
Monthly Payment
Total Closing Costs
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Interactive Refinance Rate Projections for Columbus, Mississippi 39701
Pureloan has developed an interactive chart to monitor the five largest local lenders in Columbus, MS 39701, 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 Columbus, Mississippi 39701 from 2024 - 2016
The following historical data provides insights into refinancing trends in Columbus, Mississippi and the surrounding Lowndes 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 | 87.50% | 64.11% | 57.68% | 51.55% | 67.46% | 75.76% | 66.90% | 57.83% | 69.01% |
avg refi rate | 6.29% | 3.89% | 2.98% | 3.33% | 4.24% | 4.51% | 4.08% | 3.95% | 4.09% |
% 15 year fixed refinance | 6.25% | 17.70% | 25.00% | 29.43% | 21.89% | 15.15% | 22.54% | 32.53% | 25.15% |
avg refi rate | 5.25% | 2.92% | 2.50% | 2.83% | 3.74% | 3.97% | 3.39% | 3.14% | 3.27% |
Avg credit score | 752.69 | 735.31 | 751.74 | 753.60 | 744.01 | 740.80 | 737.79 | 743.11 | 743.26 |
Avg LTV (loan to value) | 74.13% | 68.88% | 72.37% | 73.65% | 75.62% | 72.30% | 72.30% | 74.83% | 76.07% |
Avg DTI (debt to income) | 36.94 | 33.76 | 31.91 | 31.27 | 33.70 | 33.80 | 32.72 | 31.32 | 31.74 |
Avg refinance insurance % | 6.94% | 2.00% | 4.61% | 5.42% | 6.86% | 5.52% | 5.23% | 6.20% | 6.60% |
Best Refinance Brokers around Columbus, Mississippi 39701
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Columbus, Mississippi 39701, we have compiled a list of top refinance brokers to assist you in the process.
Name
Address
Contact
Kathy Brady
Loan Officer
624 Main St
Columbus, MS 39701
(662) 329-7072
Kathleen_Brady@trustmark.com
Dean Smith
Mortgage Lenders
300 University Drive
Starkville, MS 39701
(662) 324-4831
dean.smith@regions.com
Address
624 Main St
Columbus, MS
Contact
(662) 329-7072
Fax (301) 639-0804
Kathleen_Brady@trustmark.com
Address
300 University Drive
Starkville, MS
Contact
(662) 324-4831
Fax (301) 639-0804
dean.smith@regions.com