Compare Today’s Refinance Rates for Ridgely, Tennessee 38080
Pureloan's advanced engine provides real-time analysis of refinance lenders to find the best home refinance rates available in Ridgely, Tennessee 38080.
With a 30-year amortization refinance in Ridgely and surrounding areas of Lake county, our calculations show that you can expect to save up to $5,604 over the lifetime of your mortgage, or a monthly savings of $16. Pureloan explores all refinance loan options, including HELOC, short home refinancing, and positive equity refinancing for Ridgely, Tennessee 38080.
Summary of Average Refinances in Ridgely, Tennessee 38080
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Interactive Refinance Rate Projections for Ridgely, Tennessee 38080
Pureloan has developed an interactive chart to monitor the five largest local lenders in Ridgely, TN 38080, 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 Ridgely, Tennessee 38080 from 2024 - 2016
The following historical data provides insights into refinancing trends in Ridgely, Tennessee 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 | 90.48% | 60.88% | 54.07% | 48.75% | 58.49% | 57.71% | 55.95% | 50.20% | 50.72% |
| avg refi rate | 6.16% | 3.86% | 2.92% | 3.22% | 4.25% | 4.55% | 4.14% | 3.91% | 4.17% |
| % 15 year fixed refinance | 9.52% | 23.74% | 28.06% | 31.92% | 27.22% | 32.60% | 31.62% | 33.86% | 36.39% |
| avg refi rate | 5.84% | 2.98% | 2.39% | 2.73% | 3.57% | 3.98% | 3.36% | 3.13% | 3.35% |
| Avg credit score | 742.21 | 737.18 | 751.23 | 753.76 | 747.35 | 737.74 | 744.79 | 749.55 | 750.20 |
| Avg LTV (loan to value) | 67.88% | 62.49% | 65.96% | 69.63% | 73.18% | 73.37% | 75.45% | 74.91% | 76.33% |
| Avg DTI (debt to income) | 37.71 | 33.32 | 31.30 | 31.14 | 33.32 | 34.40 | 33.44 | 31.98 | 31.95 |
| Avg refinance insurance % | 2.45% | 1.52% | 1.97% | 3.06% | 4.17% | 4.90% | 6.61% | 5.64% | 6.52% |
Best Refinance Brokers around Ridgely, Tennessee 38080
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Ridgely, Tennessee 38080, we have compiled a list of top refinance brokers to assist you in the process.
Danny Anders
Mortgage Banker
6070 Poplar Avenue, Suite 200
Memphis,, TN 38080
(901) 258-6999
danny.anders@getevolved.com
Gilbert Battle
Loan Officer
6070 Poplar Avenue, Suite 200
Memphis,, TN 38080
(901) 800-5562
gbattle@getevolved.com
Jo Garner
Loan Officer
6070 Poplar Avenue, Suite 200
Memphis,, TN 38080
(901) 260-9989
jgarner@getevolved.com
John Wright
Loan Officer
6070 Poplar Avenue
Memphis,, TN 38080
901
jwright@getevolved.com
Mike Byars
Loan Officer
6070 Poplar Avenue
Memphis,, TN 38080
(901) 969-2053
mbyars@getevolved.com
Address
6070 Poplar Avenue, Suite 200
Memphis,, TN
Contact
(901) 258-6999
Fax (301) 639-0804
danny.anders@getevolved.com
Address
6070 Poplar Avenue, Suite 200
Memphis,, TN
Contact
(901) 800-5562
Fax (301) 639-0804
gbattle@getevolved.com
Address
6070 Poplar Avenue, Suite 200
Memphis,, TN
Contact
(901) 260-9989
Fax (301) 639-0804
jgarner@getevolved.com