Compare Today’s Refinance Rates for Smithfield, Ohio 43948
Pureloan's search engine provides real-time analysis of refinance lenders to find the best home refinance rates available in Smithfield, Ohio 43948.
Our analysis indicates that for 30-year amortization refinancing, you can expect to save up to $6,724 over the lifetime of your mortgage, which translates to a monthly savings of $19 in Smithfield and other areas of Jefferson 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 Smithfield, Ohio 43948
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Interactive Refinance Rate Projections for Smithfield, Ohio 43948
Pureloan has developed an interactive chart to monitor the five largest local lenders in Smithfield, OH 43948, 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 Smithfield, Ohio 43948 from 2024 - 2016
The following historical data provides insights into refinancing trends in Smithfield, Ohio and the surrounding Jefferson 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 | 82.86% | 53.15% | 56.29% | 52.60% | 58.34% | 57.46% | 46.67% | 44.03% | 47.10% |
| avg refi rate | 6.41% | 3.46% | 2.94% | 3.20% | 4.04% | 4.50% | 4.05% | 3.88% | 4.06% |
| % 15 year fixed refinance | 8.57% | 27.83% | 25.33% | 28.39% | 25.76% | 26.87% | 37.46% | 38.29% | 35.63% |
| avg refi rate | 5.00% | 2.67% | 2.44% | 2.73% | 3.49% | 3.82% | 3.18% | 2.97% | 3.14% |
| Avg credit score | 751.66 | 767.20 | 765.09 | 766.14 | 757.57 | 749.98 | 754.35 | 759.03 | 758.64 |
| Avg LTV (loan to value) | 59.63% | 58.41% | 63.67% | 68.21% | 70.66% | 67.99% | 69.40% | 70.76% | 72.83% |
| Avg DTI (debt to income) | 34.49 | 31.72 | 30.13 | 29.74 | 31.85 | 32.30 | 31.50 | 30.70 | 30.72 |
| Avg refinance insurance % | 2.26% | 1.00% | 1.69% | 2.99% | 4.69% | 2.53% | 3.00% | 4.14% | 5.41% |
Best Refinance Brokers around Smithfield, Ohio 43948
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Smithfield, Ohio 43948, we have compiled a list of top refinance brokers to assist you in the process.
Rex Grasz
Mortgage Loan Officer
51461 Jennifer Ln Ste 100
Saint Clairsville, OH 43948
(567) 998-4276
rgrasz@unionhomemortgage.com
Susan Stevenson
Mortgage Loan Officer
51461 Jennifer Ln Ste 100
Saint Clairsville, OH 43948
(513) 234-4985 Ext.
sstevenson@unionhomemortgage.com
Larry Hanasky
Mortgage Loan Officer
51461 Jennifer Ln Ste 100
Saint Clairsville, OH 43948
(740) 480-4630 Ext.
lhanasky@unionhomemortgage.com
Debbie Starosciak
Mortgage Loan Officer
30 S 4th St
Martins Ferry, OH 43948
(740) 633-1788
debbie.starosciak@pncmortgage.com
Address
51461 Jennifer Ln Ste 100
Saint Clairsville, OH
Contact
(567) 998-4276
Fax (301) 639-0804
rgrasz@unionhomemortgage.com
Address
51461 Jennifer Ln Ste 100
Saint Clairsville, OH
Contact
(513) 234-4985 Ext.
Fax (301) 639-0804
sstevenson@unionhomemortgage.com
Address
51461 Jennifer Ln Ste 100
Saint Clairsville, OH
Contact
(740) 480-4630 Ext.
Fax (301) 639-0804
lhanasky@unionhomemortgage.com