Compare Today’s Refinance Rates for Dayton, Ohio
Our search engine analyzes refinance lenders to give you the best real-time home refi rates for Dayton, Ohio 45402. Search for cash-out refi, lower interest rates, or a home equity loan. For 30-year amortization refinancing, expect lifetime cash savings are $7,770 or $22 / month in Dayton and other areas of Montgomery county.
Pureloan analyzes all refinance loan options including HELOC, short home refinancing, and positive equity refinancing for Dayton, Ohio 45402.
Summary of Average Refinance Terms in Dayton, Ohio 45402


Become a certified mortgage expert on Pureloan.com
in Dayton, Ohio 45402
Reach hundreds of thousands of home buyers and refinance customers every month! FREE APPLICATION
Customized Refinance Rate Projections for Dayton, OH
For refinance rate forecasts and predictions in Dayton, OH 45402, 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 Dayton, Ohio 45402 from 2014 - 2021
Below are historical data on refinancing in Dayton, Ohio and around Montgomery county based on loan type, credit score, LTV and other parameters. This data is produced from actual closed home refinancings.
2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | |
---|---|---|---|---|---|---|---|---|
% 30 year fixed refinance | 40.72% | 31.49% | 33.05% | 37.42% | 38.69% | 35.14% | 27.88% | 29.13% |
avg refi rate | 4.79% | 4.44% | 3.89% | 3.66% | 4.49% | 4.09% | 3.85% | 3.95% |
% 15 year fixed refinance | 35.39% | 41.80% | 39.83% | 39.66% | 40.81% | 41.33% | 51.28% | 53.93% |
avg refi rate | 4.23% | 3.75% | 3.14% | 2.85% | 3.46% | 3.09% | 2.95% | 2.99% |
Avg credit score | 774.27 | 775.46 | 776.38 | 770.42 | 757.86 | 759.95 | 762.18 | 757.99 |
Avg LTV (loan to value) | 64.15% | 64.56% | 65.79% | 68.27% | 70.55% | 71.16% | 68.77% | 68.10% |
Avg DTI (debt to income) | 25.99 | 26.17 | 26.01 | 27.07 | 30.95 | 30.24 | 29.39 | 29.64 |
Avg refinance insurance % | 0.98% | 1.43% | 1.93% | 3.51% | 4.91% | 5.77% | 3.75% | 3.23% |
Data produced from the Financial Report of the US Government
Best Refinance Brokers Around Dayton, Ohio 45402
Whether you are looking to refinance your existing mortgage or obtain a cash-out refi in Dayton, Ohio 45402, we have compiled a list of the leading refinance brokers to guide you.
Kathy Shaw
Loan Officer
7887 Washington Village Suite 310
Dayton, OH 45402
(937) 640-3021
kathy.shaw@northpointe.com
Todd Tuttle
Mortgage Banker
2800 Far Hills Avenue
Dayton, OH 45402
(937) 298-6724
todd.n.tuttle@chase.com
Jeannie Wilkinson
Sales, business development
7925 Paragon Rd
Dayton, OH 45402
(937) 434-7366
JWilkinson@mmtitle.com
Anne Taylor
President
7925 Paragon Rd
Dayton, OH 45402
(937) 434-7366
ATaylor@mmtitle.com
Jamie Mangold
Chief Title Examiner
7925 Paragon Rd
Dayton, OH 45402
(937) 434-7366
JMangold@mmtitle.com
Address
7887 Washington Village Suite 310
Dayton, OH
Contact
(937) 640-3021
Fax (301) 639-0804
kathy.shaw@northpointe.com
Address
2800 Far Hills Avenue
Dayton, OH
Contact
(937) 298-6724
Fax (301) 639-0804
todd.n.tuttle@chase.com
Address
7925 Paragon Rd
Dayton, OH
Contact
(937) 434-7366
Fax (301) 639-0804
JWilkinson@mmtitle.com