Compare Today’s Refinance Rates for Winfred, South Dakota 57076
Pureloan's search engine provides real-time analysis of refinance lenders to find the best home refinance rates available in Winfred, South Dakota 57076.
Our analysis indicates that for 30-year amortization refinancing, you can expect to save up to $5,253 over the lifetime of your mortgage, which translates to a monthly savings of $15 in Winfred and other areas of Lake 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 Winfred, South Dakota 57076
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Interactive Refinance Rate Projections for Winfred, South Dakota 57076
Pureloan has developed an interactive chart to monitor the five largest local lenders in Winfred, SD 57076, 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 Winfred, South Dakota 57076 from 2024 - 2016
The following historical data provides insights into refinancing trends in Winfred, South Dakota and the surrounding Lake 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% | 66.47% | 58.99% | 51.81% | 62.76% | 65.71% | 63.00% | 55.63% | 58.54% |
| avg refi rate | 6.13% | 3.81% | 2.82% | 3.12% | 4.10% | 4.43% | 4.03% | 3.85% | 4.01% |
| % 15 year fixed refinance | 20.00% | 25.84% | 31.35% | 19.90% | 22.86% | 30.00% | 31.79% | 29.27% | |
| avg refi rate | 2.96% | 2.28% | 2.55% | 3.49% | 4.15% | 3.15% | 2.98% | 3.15% | |
| Avg credit score | 753.95 | 804.87 | 758.97 | 770.61 | 755.16 | 750.51 | 744.62 | 751.55 | 757.35 |
| Avg LTV (loan to value) | 70.47% | 66.16% | 68.72% | 70.98% | 74.52% | 68.74% | 73.67% | 73.34% | 75.11% |
| Avg DTI (debt to income) | 36.79 | 33.13 | 31.69 | 31.51 | 33.74 | 33.54 | 35.18 | 32.30 | 32.85 |
| Avg refinance insurance % | 3.79% | 3.51% | 3.31% | 4.19% | 7.89% | 2.16% | 6.29% | 4.65% | 6.67% |
Best Refinance Brokers around Winfred, South Dakota 57076
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Winfred, South Dakota 57076, we have compiled a list of top refinance brokers to assist you in the process.
Teresa J.
Manager/Mortgage Professional
700 E 14th St
Sioux Falls, SD 57076
(605) 977-8318
teresaj@siouxfallsfcu.org
Dave K.
Mortgage Professional
700 E 14th St
Sioux Falls, SD 57076
(605) 977-8324
davek@siouxfallsfcu.org
Ruby R.
Mortgage Professional
700 E 14th St
Sioux Falls, SD 57076
(605) 977-8306
rubyr@siouxfallsfcu.org
Cheryl Erickson
Loan Officer
225 S Main Ave
Sioux Falls, SD 57076
(605) 582-2311
cerickson@homefederal.com
Randy Fink
Loan Officer
225 S Main Ave
Sioux Falls, SD 57076
(605) 333-7532
rfink@homefederal.com
Address
700 E 14th St
Sioux Falls, SD
Contact
(605) 977-8318
Fax (301) 639-0804
teresaj@siouxfallsfcu.org
Address
700 E 14th St
Sioux Falls, SD
Contact
(605) 977-8324
Fax (301) 639-0804
davek@siouxfallsfcu.org
Address
700 E 14th St
Sioux Falls, SD
Contact
(605) 977-8306
Fax (301) 639-0804
rubyr@siouxfallsfcu.org