Compare Today’s Refinance Rates for Utica, New York

Pureloan analyzes all refinance lenders to give you the best real-time home refi rates for Utica, New York 13599. Search for lower interest rates, cash-out refi or a home equity loan. For 30-year amortization refinancing in Utica and surrounding areas of Oneida county, expected lifetime cash savings are $14,928 or $41 / month.

Our search engine analyzes all possible options including HELOC, positive equity refinancing, and short home refinancing for Utica, New York 13599.

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Summary of Average Refinance Terms in Utica, New York 13599

Rate

APR

Expected Savings

Monthly Payment

Total Closing Costs

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

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

2012 2013 2014 2015 2016 2017 2018 2019
% 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%
% 10 year fixed refinance 2.07% 3.41% 2.07% 3.98% 4.35% 1.23% 1.76% 3.64%
avg refi rate 4.26% 3.71% 3.20% 2.88% 3.44% 4.13% 3.29% 4.19%
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 Combined LTV (loan to value) 68.87% 70.16% 71.72% 72.12% 74.92% 75.44% 75.41% 74.31%
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