Compare Today’s Refinance Rates for Saint Charles, South Dakota 57571
Pureloan's search engine provides real-time analysis of refinance lenders to find the best home refinance rates available in Saint Charles, South Dakota 57571.
Our analysis indicates that for 30-year amortization refinancing, you can expect to save up to $1,041 over the lifetime of your mortgage, which translates to a monthly savings of $3 in Saint Charles and other areas of Charles Mix 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.
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Summary of Average Refinances in Saint Charles, South Dakota 57571
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Interactive Refinance Rate Projections for Saint Charles, South Dakota 57571
Pureloan has developed an interactive chart to monitor the five largest local lenders in Saint Charles, SD 57571, 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 Charles, South Dakota 57571 from 2024 - 2016
The following historical data provides insights into refinancing trends in Saint Charles, South Dakota and the surrounding Charles Mix 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 | 100.00% | 61.11% | 52.00% | 46.55% | 63.64% | 77.78% | 62.50% | 65.38% | 50.00% |
| avg refi rate | 6.43% | 3.96% | 2.81% | 3.07% | 4.10% | 4.14% | 3.96% | 3.97% | 4.00% |
| % 15 year fixed refinance | 27.78% | 28.00% | 37.07% | 18.18% | 11.11% | 18.75% | 26.92% | 37.50% | |
| avg refi rate | 2.70% | 2.41% | 2.50% | 3.56% | 3.38% | 3.46% | 3.11% | 3.21% | |
| Avg credit score | 792.00 | 763.50 | 749.36 | 773.59 | 738.00 | 746.89 | 749.88 | 742.85 | 771.56 |
| Avg LTV (loan to value) | 72.00% | 62.72% | 68.90% | 73.01% | 73.91% | 71.22% | 73.94% | 74.15% | 68.19% |
| Avg DTI (debt to income) | 37.00 | 32.31 | 29.88 | 28.26 | 31.36 | 33.78 | 33.63 | 34.23 | 25.25 |
| Avg refinance insurance % | 3.89% | 5.07% | 6.23% | 8.55% | 8.33% | 6.00% | 7.54% | 3.44% |
Best Refinance Brokers around Saint Charles, South Dakota 57571
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Saint Charles, South Dakota 57571, we have compiled a list of top refinance brokers to assist you in the process.
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