Compare Today’s Refinance Rates for Albion, New York 14411
Pureloan's search engine analyzes refinance lenders to provide you with the best real-time home refinance rates in Albion, New York 14411.
Our search engine evaluates all refinance loan options, including HELOC, short home refinancing, and positive equity refinancing in Albion, New York 14411. For 30-year amortization refinancing, you can expect lifetime cash savings of $8,876 or $25 per month in Albion and other parts of Orleans county.
Summary of Average Refinances in Albion, New York 14411
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Interactive Refinance Rate Projections for Albion, New York 14411
Pureloan has developed an interactive chart to monitor the five largest local lenders in Albion, NY 14411, 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 Albion, New York 14411 from 2024 - 2016
The following historical data provides insights into refinancing trends in Albion, New York and the surrounding Orleans 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 | 83.33% | 48.86% | 38.46% | 34.49% | 60.56% | 56.25% | 47.96% | 38.21% | 35.89% |
avg refi rate | 6.16% | 3.67% | 2.97% | 3.26% | 4.23% | 4.38% | 4.08% | 3.82% | 4.03% |
% 15 year fixed refinance | 8.33% | 35.62% | 41.56% | 44.22% | 29.44% | 33.93% | 40.31% | 44.31% | 46.37% |
avg refi rate | 5.25% | 2.71% | 2.49% | 2.75% | 3.63% | 3.85% | 3.29% | 3.06% | 3.17% |
Avg credit score | 729.83 | 757.03 | 761.90 | 765.98 | 761.10 | 756.37 | 804.52 | 754.44 | 763.33 |
Avg LTV (loan to value) | 66.25% | 60.62% | 65.40% | 69.60% | 69.13% | 69.63% | 71.92% | 71.16% | 71.03% |
Avg DTI (debt to income) | 37.92 | 34.34 | 33.36 | 32.87 | 35.11 | 34.10 | 35.43 | 32.73 | 33.22 |
Avg refinance insurance % | 7.67% | 1.20% | 1.89% | 4.30% | 3.75% | 3.47% | 5.39% | 4.80% | 4.73% |
Best Refinance Brokers around Albion, New York 14411
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Albion, New York 14411, we have compiled a list of top refinance brokers to assist you in the process.
Susan Neelin
Loan Officer Assistant
68 Genesee Street
Avon, NY 14411
(800) 239-8513
susan.neelin@communitybankna.com
Frank Fialkiewicz
Senior Loan Officer
300 Cayuga Road
Cheektowag, NY 14411
(716) 830-5626
ffialkiewicz@fairportsavingsbank.com
Jake Rease
Consumer Lender
11 Megan Drive
Geneseo, NY 14411
(585) 243-0380
Jake.Rease@steubentrust.com
Debra Murphy
Loan Officer Assistant
5 Seneca Street
Geneva, NY 14411
(800) 239-8513
debra.murphy@communitybankna.com
Jody Tonkery
Loan Officer Assistant
189 Main St.
Dansville, NY 14411
(800) 239-8513
jody.tonkery@communitybankna.com
Address
68 Genesee Street
Avon, NY
Contact
(800) 239-8513
Fax (301) 639-0804
susan.neelin@communitybankna.com
Address
300 Cayuga Road
Cheektowag, NY
Contact
(716) 830-5626
Fax (301) 639-0804
ffialkiewicz@fairportsavingsbank.com
Address
11 Megan Drive
Geneseo, NY
Contact
(585) 243-0380
Fax (301) 639-0804
Jake.Rease@steubentrust.com