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 $7,359 or $20 / 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


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Interactive and Personalized Mortage Rates Analysis
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.
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