Compare Today’s Refinance Rates for Layton, Utah 84040
Pureloan's search engine provides real-time analysis of refinance lenders to find the best home refinance rates available in Layton, Utah 84040.
Our analysis indicates that for 30-year amortization refinancing, you can expect to save up to $5,231 over the lifetime of your mortgage, which translates to a monthly savings of $15 in Layton and other areas of Davis 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 Layton, Utah 84040
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Interactive Refinance Rate Projections for Layton, Utah 84040
Pureloan has developed an interactive chart to monitor the five largest local lenders in Layton, UT 84040, 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 Layton, Utah 84040 from 2024 - 2016
The following historical data provides insights into refinancing trends in Layton, Utah and the surrounding Davis 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 | 95.65% | 72.32% | 74.09% | 73.56% | 81.37% | 78.74% | 71.05% | 71.66% | 69.57% |
avg refi rate | 6.31% | 3.57% | 2.88% | 3.20% | 4.00% | 4.49% | 4.11% | 3.83% | 4.04% |
% 15 year fixed refinance | 4.35% | 15.72% | 15.37% | 14.38% | 10.22% | 14.41% | 18.46% | 18.39% | 18.23% |
avg refi rate | 5.91% | 2.59% | 2.33% | 2.69% | 3.42% | 3.79% | 3.33% | 3.07% | 3.25% |
Avg credit score | 742.17 | 751.97 | 758.67 | 763.12 | 755.86 | 746.51 | 747.36 | 756.97 | 757.17 |
Avg LTV (loan to value) | 59.27% | 55.65% | 62.37% | 67.02% | 72.95% | 67.74% | 70.94% | 72.64% | 74.20% |
Avg DTI (debt to income) | 37.12 | 35.06 | 32.07 | 31.71 | 33.92 | 35.10 | 34.26 | 33.03 | 33.04 |
Avg refinance insurance % | 2.49% | 0.97% | 1.72% | 3.08% | 5.87% | 2.67% | 3.66% | 4.64% | 5.90% |
Best Refinance Brokers around Layton, Utah 84040
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Layton, Utah 84040, we have compiled a list of top refinance brokers to assist you in the process.
Jay Williams
Mortgage Loan Officer
365 West 1550 North, Suite C
Layton, UT 84040
(801) 776-1131
jwilliams@republicmortgage.com
Lynnae Aguilar
Senior Loan Officer
2307 N Hill Field Road suite 105
Layton, UT 84040
(801) 336-6167
lynnae.aguilar@academymortgage.com
DONNA THORSTED
Home Mortgage Consultant
1435 N Hillfield Rd Floor 2
Layton, UT 84040
(801) 525-2667
Donna.J.Thorsted@wellsfargo.com
Ashley Voorhees
Home Mortgage Consultant
1435 N. Hillfield Road
Layton, UT 84040
(801) 525-2670
ashley.voorhees@wellsfargo.com
Steven Morrow
Loan Officer
1558 North Woodland Park Drive Suite #400
Layton, UT 84040
(801) 589-1111
steve@financewithsteve.com
Address
365 West 1550 North, Suite C
Layton, UT
Contact
(801) 776-1131
Fax (301) 639-0804
jwilliams@republicmortgage.com
Address
2307 N Hill Field Road suite 105
Layton, UT
Contact
(801) 336-6167
Fax (301) 639-0804
lynnae.aguilar@academymortgage.com
Address
1435 N Hillfield Rd Floor 2
Layton, UT
Contact
(801) 525-2667
Fax (301) 639-0804
Donna.J.Thorsted@wellsfargo.com