Compare Today’s Refinance Rates for Philadelphia, Pennsylvania

Pureloan’s engine analyzes refinance lenders to give you the best real-time home refi rates for Philadelphia, Pennsylvania 19190. Search for cash-out refi, lower interest rates, or a home equity loan. For 30-year amortization refinancing in Philadelphia and surrounding areas of Philadelphia county, your expected lifetime cash savings are $5,264 or $15 / month.

Pureloan analyzes all refinance loan options including HELOC, short home refinancing, and positive equity refinancing for Philadelphia, Pennsylvania 19190.

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Summary of Average Refinance Terms in Philadelphia, Pennsylvania 19190

Rate

APR

Expected Savings

Monthly Payment

Total Closing Costs

Interactive and Personalized Mortage Rates Analysis

Source: Fannie Mae and Freddie Mac


For refinance rate forecasts and predictions in Philadelphia, PA 19190, 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 Philadelphia, Pennsylvania 19190 from 2012 - 2019

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

2013 2014 2015 2016 2017 2018 2019 2020
% 30 year fixed refinance 55.29% 47.00% 49.28% 56.12% 58.20% 59.19% 60.69% 50.87%
avg refi rate 4.82% 4.47% 3.90% 3.69% 4.49% 4.05% 3.84% 3.89%
% 15 year fixed refinance 28.43% 32.49% 31.45% 30.67% 29.10% 26.33% 23.66% 32.79%
avg refi rate 4.25% 3.77% 3.24% 2.93% 3.51% 3.24% 3.07% 3.12%
Avg credit score 764.94 765.75 769.69 763.87 750.31 756.94 756.06 748.41
Avg LTV (loan to value) 61.16% 62.40% 64.07% 66.21% 69.81% 70.08% 70.53% 67.30%
Avg DTI (debt to income) 31.21 31.25 30.44 30.94 33.87 33.13 33.10 34.11
Avg refinance insurance % 0.98% 1.41% 1.66% 2.95% 4.08% 4.55% 4.26% 3.35%

Data produced from the Financial Report of the US Government

Best Refinance Brokers Around Philadelphia, Pennsylvania 19190

Whether you are looking to refinance your existing mortgage or obtain a cash-out refi in Philadelphia, Pennsylvania 19190, we have compiled a list of the leading refinance brokers to guide you.

Name
Address
Contact

Michelle Barillo

Loan Officer

1515 Market Street

Philadelphia, PA 19190

(646) 805-8796

michelle.l.barillo@us.hsbc.com

Michael Sliwowski

Mortgage Loan Officer

Four Penn Center

Philadelphia, PA 19190

(704) 386-5972

michael.sliwowski@bankofamerica.com

Jennifer Ashley

Mortgage Loan Officer

Four Penn Center

Philadelphia, PA 19190

(704) 386-5972

jennifer.ashley@bankofamerica.com

Richard Garner

Mortgage Loan Officer

601 Walnut Street, Suite 765

Philadelphia, PA 19190

(800) 464-2484

richard.garner@prospectmtg.com

Rob Dischert

Mortgage Loan Officer

601 Walnut Street, Suite 765

Philadelphia, PA 19190

(800) 464-2484

rob.dischert@prospectmtg.com

Address

1515 Market Street

Philadelphia, PA

Contact

(646) 805-8796

Fax (301) 639-0804

michelle.l.barillo@us.hsbc.com

Address

Four Penn Center

Philadelphia, PA

Contact

(704) 386-5972

Fax (301) 639-0804

michael.sliwowski@bankofamerica.com

Address

Four Penn Center

Philadelphia, PA

Contact

(704) 386-5972

Fax (301) 639-0804

jennifer.ashley@bankofamerica.com

Refinancing News for Philadelphia, Pennsylvania 19190