Compare Today’s Refinance Rates for Alton, New York 14413
Pureloan's advanced engine provides real-time analysis of refinance lenders to find the best home refinance rates available in Alton, New York 14413.
With a 30-year amortization refinance in Alton and surrounding areas of Wayne county, our calculations show that you can expect to save up to $6,137 over the lifetime of your mortgage, or a monthly savings of $17. Pureloan explores all refinance loan options, including HELOC, short home refinancing, and positive equity refinancing for Alton, New York 14413.
Summary of Average Refinances in Alton, New York 14413
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Interactive Refinance Rate Projections for Alton, New York 14413
Pureloan has developed an interactive chart to monitor the five largest local lenders in Alton, NY 14413, 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 Alton, New York 14413 from 2024 - 2016
The following historical data provides insights into refinancing trends in Alton, New York and the surrounding Wayne 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 Alton, New York 14413
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Alton, New York 14413, 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 14413
(800) 239-8513
susan.neelin@communitybankna.com
Frank Fialkiewicz
Senior Loan Officer
300 Cayuga Road
Cheektowag, NY 14413
(716) 830-5626
ffialkiewicz@fairportsavingsbank.com
Jake Rease
Consumer Lender
11 Megan Drive
Geneseo, NY 14413
(585) 243-0380
Jake.Rease@steubentrust.com
Debra Murphy
Loan Officer Assistant
5 Seneca Street
Geneva, NY 14413
(800) 239-8513
debra.murphy@communitybankna.com
Jody Tonkery
Loan Officer Assistant
189 Main St.
Dansville, NY 14413
(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