Compare Today’s Refinance Rates for Cleveland, New York 13042
Pureloan's advanced engine provides real-time analysis of refinance lenders to find the best home refinance rates available in Cleveland, New York 13042.
With a 30-year amortization refinance in Cleveland and surrounding areas of Oswego county, our calculations show that you can expect to save up to $6,038 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 Cleveland, New York 13042.
Summary of Average Refinances in Cleveland, New York 13042
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Interactive Refinance Rate Projections for Cleveland, New York 13042
Pureloan has developed an interactive chart to monitor the five largest local lenders in Cleveland, NY 13042, 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 Cleveland, New York 13042 from 2024 - 2016
The following historical data provides insights into refinancing trends in Cleveland, New York and the surrounding Oswego 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 | 100.00% | 42.86% | 33.98% | 27.09% | 49.30% | 54.55% | 22.22% | 28.36% | 41.27% |
| avg refi rate | 6.28% | 3.53% | 3.02% | 3.26% | 4.37% | 4.54% | 4.18% | 3.85% | 4.11% |
| % 15 year fixed refinance | 30.16% | 40.81% | 46.01% | 33.80% | 31.82% | 58.89% | 50.00% | 41.27% | |
| avg refi rate | 2.70% | 2.49% | 2.71% | 3.60% | 3.98% | 3.41% | 3.14% | 3.22% | |
| Avg credit score | 720.80 | 808.68 | 751.99 | 762.28 | 756.32 | 745.79 | 745.77 | 753.57 | 761.16 |
| Avg LTV (loan to value) | 70.60% | 67.36% | 69.55% | 73.92% | 74.45% | 76.03% | 73.21% | 74.99% | 75.15% |
| Avg DTI (debt to income) | 37.40 | 35.44 | 33.37 | 33.17 | 34.08 | 34.38 | 35.89 | 34.30 | 33.87 |
| Avg refinance insurance % | 12.40% | 2.54% | 2.56% | 4.23% | 4.79% | 7.30% | 3.81% | 5.47% | 7.40% |
Best Refinance Brokers around Cleveland, New York 13042
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Cleveland, New York 13042, we have compiled a list of top refinance brokers to assist you in the process.
Thomas Greco
Loan Officer/Mortgage Consultant
75 South First Street
Fulton, NY 13042
(315) 592-3158
tgreco@fultonsavings.com
Tracy Styer
Branch Manager
8763 Brewerton Road
Brewerton, NY 13042
(315) 698-1610
tstyer@homesteadfunding.com
Patrick Hamer
Loan Officer/Mortgage Consultant
75 South First Street
Fulton, NY 13042
(315) 592-8327
phamer@fultonsavings.com
Jim Netti
Loan Officer/Mortgage Consultant
7 Williams Street
Auburn, NY 13042
(315) 253-3239
JNetti@ssimortgage.com
CARLO DEROSA
Home Mortgage Consultant
108 Buchmans Close Circle
Fayetteville, NY 13042
(315) 671-1651
bo.derosa@wellsfargo.com
Address
75 South First Street
Fulton, NY
Contact
(315) 592-3158
Fax (301) 639-0804
tgreco@fultonsavings.com
Address
8763 Brewerton Road
Brewerton, NY
Contact
(315) 698-1610
Fax (301) 639-0804
tstyer@homesteadfunding.com
Address
75 South First Street
Fulton, NY
Contact
(315) 592-8327
Fax (301) 639-0804
phamer@fultonsavings.com