Compare Today’s Refinance Rates for Saint Johns, Ohio 45884
Pureloan's advanced engine provides real-time analysis of refinance lenders to find the best home refinance rates available in Saint Johns, Ohio 45884.
With a 30-year amortization refinance in Saint Johns and surrounding areas of Auglaize county, our calculations show that you can expect to save up to $4,250 over the lifetime of your mortgage, or a monthly savings of $12. Pureloan explores all refinance loan options, including HELOC, short home refinancing, and positive equity refinancing for Saint Johns, Ohio 45884.
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Summary of Average Refinances in Saint Johns, Ohio 45884
Rate
APR
Expected Savings
Monthly Payment
Total Closing Costs
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Interactive Refinance Rate Projections for Saint Johns, Ohio 45884
Pureloan has developed an interactive chart to monitor the five largest local lenders in Saint Johns, OH 45884, 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 Saint Johns, Ohio 45884 from 2024 - 2016
The following historical data provides insights into refinancing trends in Saint Johns, Ohio and the surrounding Auglaize 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 Saint Johns, Ohio 45884
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Saint Johns, Ohio 45884, we have compiled a list of top refinance brokers to assist you in the process.
Name
Address
Contact
Brenda Jones
Mortgage Banker
125 W Spring St
Saint Marys, OH 45884
(141) 939-4849
brenda.m.jones@chase.com
Eric Smothermon
Loan Officer
420 Greenville Rd
Saint Marys, OH 45884
(419) 394-3482
esmothermon@trfcu.org
Larry Custard
Loan Officer
420 Greenville Rd
Saint Marys, OH 45884
(419) 394-3482
lcustard@trfcu.org
Address
125 W Spring St
Saint Marys, OH
Contact
(141) 939-4849
Fax (301) 639-0804
brenda.m.jones@chase.com
Address
420 Greenville Rd
Saint Marys, OH
Contact
(419) 394-3482
Fax (301) 639-0804
esmothermon@trfcu.org
Address
420 Greenville Rd
Saint Marys, OH
Contact
(419) 394-3482
Fax (301) 639-0804
lcustard@trfcu.org