Compare Today’s Refinance Rates for Lodi, New York 14860
Pureloan's search engine provides real-time analysis of refinance lenders to find the best home refinance rates available in Lodi, New York 14860.
Our analysis indicates that for 30-year amortization refinancing, you can expect to save up to $2,438 over the lifetime of your mortgage, which translates to a monthly savings of $7 in Lodi and other areas of Seneca 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.
42.616524
-76.726798
5387
Summary of Average Refinances in Lodi, New York 14860
Rate
APR
Expected Savings
Monthly Payment
Total Closing Costs
Become a certified mortgage expert on Pureloan.com
in Lodi, New York 14860
Reach hundreds of thousands of home buyers and refinance customers every month! FREE APPLICATION
Interactive Refinance Rate Projections for Lodi, New York 14860
Pureloan has developed an interactive chart to monitor the five largest local lenders in Lodi, NY 14860, 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 Lodi, New York 14860 from 2024 - 2016
The following historical data provides insights into refinancing trends in Lodi, New York and the surrounding Seneca 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 | 32.93% | 36.05% | 34.32% | 42.40% | 32.71% | 25.64% | 26.78% | 32.58% | |
avg refi rate | 4.00% | 3.98% | 4.15% | 4.60% | 3.73% | 3.92% | 4.66% | 4.96% | |
% 15 year fixed refinance | 52.44% | 46.26% | 47.93% | 43.20% | 51.47% | 55.56% | 52.46% | 46.44% | |
avg refi rate | 3.20% | 3.24% | 3.28% | 3.61% | 3.01% | 3.28% | 3.89% | 4.38% | |
Avg credit score | 737.29 | 753.13 | 749.99 | 739.74 | 755.29 | 762.81 | 755.27 | 758.75 | |
Avg LTV (loan to value) | 67.61% | 71.37% | 70.74% | 71.22% | 71.57% | 72.59% | 69.00% | 68.00% | |
Avg DTI (debt to income) | 33.80 | 32.64 | 32.45 | 34.05 | 31.30 | 30.97 | 32.25 | 31.21 | |
Avg refinance insurance % | 1.49% | 3.82% | 3.20% | 4.02% | 4.23% | 4.11% | 3.37% | 2.43% |
Best Refinance Brokers around Lodi, New York 14860
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Lodi, New York 14860, we have compiled a list of top refinance brokers to assist you in the process.
Name
Address
Contact
Daniel Woodruff
Loan Officer
2490 Corning Road
Elmira, NY 14860
(888) 253-0799
DWoodruff@mtb.com
Glenn Parsons
Loan Officer Assistant
300 West Water Street
Elmira, NY 14860
(800) 239-8513
glenn.parsons@communitybankna.com
Frank Dreyer
Mortgage Banker
300 W. Water Street
Elmira, NY 14860
(518) 523-9535
jay.dreyer@communitybankna.com
Address
2490 Corning Road
Elmira, NY
Contact
(888) 253-0799
Fax (301) 639-0804
DWoodruff@mtb.com
Address
300 West Water Street
Elmira, NY
Contact
(800) 239-8513
Fax (301) 639-0804
glenn.parsons@communitybankna.com
Address
300 W. Water Street
Elmira, NY
Contact
(518) 523-9535
Fax (301) 639-0804
jay.dreyer@communitybankna.com