Compare Today’s Refinance Rates for Dayton, Ohio 45430
Pureloan's search engine provides real-time analysis of refinance lenders to find the best home refinance rates available in Dayton, Ohio 45430.
Our analysis indicates that for 30-year amortization refinancing, you can expect to save up to $2,404 over the lifetime of your mortgage, which translates to a monthly savings of $7 in Dayton and other areas of Montgomery 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.
Summary of Average Refinances in Dayton, Ohio 45430
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Interactive Refinance Rate Projections for Dayton, Ohio 45430
Pureloan has developed an interactive chart to monitor the five largest local lenders in Dayton, OH 45430, 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 Dayton, Ohio 45430 from 2024 - 2016
The following historical data provides insights into refinancing trends in Dayton, Ohio and the surrounding Montgomery 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 | 65.22% | 53.38% | 47.24% | 40.38% | 53.16% | 51.24% | 47.89% | 37.78% | 44.79% |
avg refi rate | 6.71% | 3.92% | 2.98% | 3.21% | 4.15% | 4.53% | 3.97% | 3.69% | 3.97% |
% 15 year fixed refinance | 26.09% | 34.59% | 32.61% | 37.76% | 32.03% | 34.33% | 34.04% | 40.86% | 39.32% |
avg refi rate | 6.29% | 2.99% | 2.45% | 2.69% | 3.48% | 3.84% | 3.17% | 2.90% | 3.08% |
Avg credit score | 744.04 | 743.12 | 758.62 | 759.15 | 755.07 | 750.34 | 751.98 | 754.14 | 754.89 |
Avg LTV (loan to value) | 68.13% | 63.47% | 66.10% | 69.24% | 70.07% | 67.00% | 71.84% | 70.29% | 72.24% |
Avg DTI (debt to income) | 34.70 | 30.21 | 29.60 | 28.83 | 29.23 | 31.47 | 29.61 | 29.41 | 29.95 |
Avg refinance insurance % | 6.52% | 1.95% | 2.12% | 3.00% | 4.68% | 3.81% | 4.54% | 3.73% | 3.77% |
Best Refinance Brokers around Dayton, Ohio 45430
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Dayton, Ohio 45430, we have compiled a list of top refinance brokers to assist you in the process.
Kathy Shaw
Loan Officer
7887 Washington Village Suite 310
Dayton, OH 45430
(937) 640-3021
kathy.shaw@northpointe.com
Todd Tuttle
Mortgage Banker
2800 Far Hills Avenue
Dayton, OH 45430
(937) 298-6724
todd.n.tuttle@chase.com
Jeannie Wilkinson
Sales, business development
7925 Paragon Rd
Dayton, OH 45430
(937) 434-7366
JWilkinson@mmtitle.com
Anne Taylor
President
7925 Paragon Rd
Dayton, OH 45430
(937) 434-7366
ATaylor@mmtitle.com
Jamie Mangold
Chief Title Examiner
7925 Paragon Rd
Dayton, OH 45430
(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