Compare Today’s Refinance Rates for Lawrenceville, New York 12949
Pureloan's search engine analyzes refinance lenders to provide you with the best real-time home refinance rates in Lawrenceville, New York 12949.
Our search engine evaluates all refinance loan options, including HELOC, short home refinancing, and positive equity refinancing in Lawrenceville, New York 12949. For 30-year amortization refinancing, you can expect lifetime cash savings of $6,847 or $19 per month in Lawrenceville and other parts of Franklin county.
Summary of Average Refinances in Lawrenceville, New York 12949
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Interactive Refinance Rate Projections for Lawrenceville, New York 12949
Pureloan has developed an interactive chart to monitor the five largest local lenders in Lawrenceville, NY 12949, 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 Lawrenceville, New York 12949 from 2024 - 2016
The following historical data provides insights into refinancing trends in Lawrenceville, New York and the surrounding Franklin 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 | 33.33% | 46.51% | 44.13% | 36.41% | 49.25% | 52.78% | 41.10% | 32.20% | 30.30% |
| avg refi rate | 7.50% | 3.61% | 3.07% | 3.32% | 4.30% | 4.52% | 4.11% | 3.83% | 3.96% |
| % 15 year fixed refinance | 66.67% | 33.72% | 36.15% | 42.12% | 32.84% | 33.33% | 45.21% | 50.00% | 44.44% |
| avg refi rate | 5.94% | 2.88% | 2.50% | 2.77% | 3.69% | 3.67% | 3.01% | 2.90% | 3.11% |
| Avg credit score | 760.00 | 749.17 | 754.96 | 762.29 | 752.66 | 741.22 | 755.77 | 760.75 | 761.86 |
| Avg LTV (loan to value) | 66.33% | 65.74% | 71.79% | 73.80% | 72.09% | 70.06% | 74.55% | 74.01% | 73.30% |
| Avg DTI (debt to income) | 29.67 | 33.80 | 33.20 | 32.93 | 35.00 | 35.36 | 34.05 | 33.99 | 34.06 |
| Avg refinance insurance % | 10.00% | 1.28% | 3.50% | 4.76% | 5.13% | 6.31% | 5.04% | 5.73% | 6.12% |
Best Refinance Brokers around Lawrenceville, New York 12949
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Lawrenceville, New York 12949, we have compiled a list of top refinance brokers to assist you in the process.
Tanya Benware
Branch Manager/Licensed Loan Originator
31 Elm Street
Malone, NY 12949
(518) 483-6275
tbenware@homesteadfunding.com
Stacey Brunell
Loan Officer Assistant
320 West Main St
Malone, NY 12949
(800) 239-8513
stacey.brunell@communitybankna.com
Malinda Klepfer
Mortgage Loan Officer
3349 Route 11
Malone, NY 12949
(315) 764-0566 Ext. 501
mklepfer@seacomm.org
Candice Pelkey
Loan Officer Assistant
468 Route 3
Plattsburgh, NY 12949
(800) 239-8513
candice.pelkey@communitybankna.com
Nancy McDowell
Loan Officer Assistant
468 State Route 3
Plattsburgh, NY 12949
(800) 239-8513
nancy.mcdowell@communitybankna.com
Address
31 Elm Street
Malone, NY
Contact
(518) 483-6275
Fax (301) 639-0804
tbenware@homesteadfunding.com
Address
320 West Main St
Malone, NY
Contact
(800) 239-8513
Fax (301) 639-0804
stacey.brunell@communitybankna.com
Address
3349 Route 11
Malone, NY
Contact
(315) 764-0566 Ext. 501
Fax (301) 639-0804
mklepfer@seacomm.org