Compare Today’s Refinance Rates for Columbus, North Carolina 28722
Pureloan's search engine provides real-time analysis of refinance lenders to find the best home refinance rates available in Columbus, North Carolina 28722.
Our analysis indicates that for 30-year amortization refinancing, you can expect to save up to $9,648 over the lifetime of your mortgage, which translates to a monthly savings of $27 in Columbus and other areas of Polk 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 Columbus, North Carolina 28722
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Interactive Refinance Rate Projections for Columbus, North Carolina 28722
Pureloan has developed an interactive chart to monitor the five largest local lenders in Columbus, NC 28722, 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, North Carolina 28722 from 2024 - 2016
The following historical data provides insights into refinancing trends in Columbus, North Carolina and the surrounding Polk 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 | 95.24% | 56.22% | 65.08% | 64.76% | 71.01% | 64.02% | 56.78% | 63.35% | 61.34% |
avg refi rate | 6.65% | 3.50% | 2.95% | 3.26% | 4.13% | 4.53% | 4.04% | 3.89% | 4.05% |
% 15 year fixed refinance | 28.55% | 21.93% | 22.05% | 19.16% | 23.11% | 30.69% | 25.05% | 27.92% | |
avg refi rate | 2.72% | 2.45% | 2.81% | 3.58% | 3.77% | 3.31% | 3.13% | 3.33% | |
Avg credit score | 728.52 | 752.47 | 765.90 | 765.70 | 759.17 | 746.04 | 750.93 | 757.25 | 763.68 |
Avg LTV (loan to value) | 57.00% | 53.72% | 61.62% | 65.20% | 66.15% | 62.75% | 65.80% | 67.19% | 67.64% |
Avg DTI (debt to income) | 36.14 | 32.98 | 31.90 | 32.01 | 32.63 | 33.02 | 32.98 | 32.83 | 31.58 |
Avg refinance insurance % | 1.43% | 0.51% | 1.46% | 2.44% | 2.95% | 1.33% | 2.26% | 2.72% | 3.05% |
Best Refinance Brokers around Columbus, North Carolina 28722
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Columbus, North Carolina 28722, we have compiled a list of top refinance brokers to assist you in the process.
Bennett Lin
Loan Officer
PO Box 2026
Enka, NC 28722
(828) 670-5381
linbennett@hotmail.com
Carolyn Swanner
Mortgage Originator
50 United Bank Dr
Etowah, NC 28722
(828) 698-5684
carolyn.swanner@southstatebank.com
Gwenn Lanning
Mortgage Originator
50 United Bank Dr
Etowah, NC 28722
(828) 697-3461
gwenn.lanning@southstatebank.com
Alicia Hearne
Mortgage Broker
2106 Hendersonville Rd
Arden, NC 28722
(828) 257-5760
alicia.hearne@firstcitizens.com
Geri Ray
Loan Officer
PO Box 2236
Weaverville, NC 28722
(828) 274-4946
geri@solution1mtg.com
Address
PO Box 2026
Enka, NC
Contact
(828) 670-5381
Fax (301) 639-0804
linbennett@hotmail.com
Address
50 United Bank Dr
Etowah, NC
Contact
(828) 698-5684
Fax (301) 639-0804
carolyn.swanner@southstatebank.com
Address
50 United Bank Dr
Etowah, NC
Contact
(828) 697-3461
Fax (301) 639-0804
gwenn.lanning@southstatebank.com