Compare Today’s Refinance Rates for Oak City, Utah 84649
Pureloan's advanced engine provides real-time analysis of refinance lenders to find the best home refinance rates available in Oak City, Utah 84649.
With a 30-year amortization refinance in Oak City and surrounding areas of Millard county, our calculations show that you can expect to save up to $7,530 over the lifetime of your mortgage, or a monthly savings of $21. Pureloan explores all refinance loan options, including HELOC, short home refinancing, and positive equity refinancing for Oak City, Utah 84649.
Summary of Average Refinances in Oak City, Utah 84649
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Interactive Refinance Rate Projections for Oak City, Utah 84649
Pureloan has developed an interactive chart to monitor the five largest local lenders in Oak City, UT 84649, 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 Oak City, Utah 84649 from 2024 - 2016
The following historical data provides insights into refinancing trends in Oak City, Utah and the surrounding Millard 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 Oak City, Utah 84649
If you are considering refinancing your mortgage or obtaining a cash-out refinance in Oak City, Utah 84649, we have compiled a list of top refinance brokers to assist you in the process.
Brian Hulet
V.P., Manager ,Loan Officer
182 North Main Street
Payson, UT 84649
(801) 465-9276
bhulet@cbutah.com
Nic Jones
Loan Officer
182 North Main Street
Payson, UT 84649
(801) 465-9276
njones@cbutah.com
Andrea Holm
Loan Processor
851 North 100 East
Spanish Fork, UT 84649
(801) 798-1166
andrea@1sthomemortgage.net
Gavin Fulwider
Loan Officer
851 North 100 East
Spanish Fork, UT 84649
(801) 798-1166
gavin@1sthomemortgage.net
Andee Mansfield
Loan Processor
5252 North Edgewood Drive, Suite 200
Provo, UT 84649
(801) 818-6262
amansfield@castlecookemortgage.com
Address
182 North Main Street
Payson, UT
Contact
(801) 465-9276
Fax (301) 639-0804
bhulet@cbutah.com
Address
182 North Main Street
Payson, UT
Contact
(801) 465-9276
Fax (301) 639-0804
njones@cbutah.com
Address
851 North 100 East
Spanish Fork, UT
Contact
(801) 798-1166
Fax (301) 639-0804
andrea@1sthomemortgage.net