Compare Today’s Refinance Rates for Utica, New York

Pureloan’s engine analyzes refinance lenders to give you the best real-time home refi rates for Utica, New York 13599. Search for cash-out refi, lower interest rates, or a home equity loan. For 30-year amortization refinancing in Utica and surrounding areas of Jefferson county, your expected lifetime cash savings are $5,457 or $15 / month.

Pureloan analyzes all refinance loan options including HELOC, short home refinancing, and positive equity refinancing for Utica, New York 13599.

30 Year Fixed Mortgage Rates Customized for April 21, 2021

Today's 30 Year Fixed Mortgage Rates

Summary of Average Refinance Terms in Utica, New York 13599

Rate

APR

Expected Savings

Monthly Payment

Total Closing Costs

Interactive and Personalized Mortage Rates Analysis

Source: Fannie Mae and Freddie Mac


For refinance rate forecasts and predictions in Utica, NY 13599, Pureloan has created an interactive chart to track the 5 largest local lenders for refi's and cash-out's. Historical rates are based on closed refinancings, and projections are based on proprietary modeling.

Refinance Rates for Utica, New York 13599 from 2012 - 2019

Below are historical data on refinancing in Utica, New York and around Jefferson county based on loan type, credit score, LTV and other parameters. This data is produced from actual closed home refinancings.

2013 2014 2015 2016 2017 2018 2019 2020
% 30 year fixed refinance 40.99% 34.39% 35.15% 36.35% 42.39% 44.44% 34.71% 30.91%
avg refi rate 4.81% 4.57% 3.93% 3.69% 4.61% 4.12% 3.85% 4.10%
% 15 year fixed refinance 35.20% 40.00% 37.59% 39.96% 43.48% 38.89% 45.88% 47.27%
avg refi rate 4.29% 3.76% 3.29% 2.95% 3.62% 3.23% 3.13% 3.19%
Avg credit score 765.75 766.57 764.54 763.57 759.65 758.68 755.70 750.22
Avg LTV (loan to value) 67.20% 68.85% 70.53% 71.21% 74.43% 74.35% 75.15% 73.20%
Avg DTI (debt to income) 31.31 30.89 30.45 30.20 33.95 34.19 34.65 36.60
Avg refinance insurance % 1.69% 2.96% 3.67% 4.37% 6.20% 6.78% 5.95% 4.45%

Data produced from the Financial Report of the US Government

Best Refinance Brokers Around Utica, New York 13599

Whether you are looking to refinance your existing mortgage or obtain a cash-out refi in Utica, New York 13599, we have compiled a list of the leading refinance brokers to guide you.

Name
Address
Contact

David Burke

Loan Officer

233 Genesee Street

Utica, NY 13599

(888) 253-0799

DBurke@mtb.com

Patrick Wolf

Branch Manager / Licensed Loan Originator

210 Court Street

Watertown, NY 13599

(315) 788-4270

pwolf@homesteadfunding.com

Mark Bellinger

Loan Officer/Mortgage Consultant

111 CLINTON ST

WATERTOWN, NY 13599

(315) 222-7243

bellinger@wsbny.com

Elizabeth Denny

Loan Officer/Mortgage Consultant

111 CLINTON ST

WATERTOWN, NY 13599

(315) 646-4628

Denny@wsbny.com

Cheryl Drake

Loan Officer/Mortgage Consultant

111 CLINTON ST

WATERTOWN, NY 13599

(315) 482-2544

Drake@wsbny.com

Address

233 Genesee Street

Utica, NY

Contact

(888) 253-0799

Fax (301) 639-0804

DBurke@mtb.com

Address

210 Court Street

Watertown, NY

Contact

(315) 788-4270

Fax (301) 639-0804

pwolf@homesteadfunding.com

Address

111 CLINTON ST

WATERTOWN, NY

Contact

(315) 222-7243

Fax (301) 639-0804

bellinger@wsbny.com

Refinancing News for Utica, New York 13599