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Today's Refinance Mortgage Rates at CIBC Bank USA

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Reported Address: 120 South LaSalle Street, IL

Active States: AL, AZ, CA, CO, CT, DC, FL, GA, HI, ID, IL, IN, KY, MA, MD, ME, MI, MN, MO, MT, NC, NH, NJ, NY, OH, OK, OR, PA, SC, TN, TX, UT, VA, VT, WA, WI, WY

Most Recent Borrower Reported Refinance Mortgage Rates at CIBC Bank USA

DateHouse PriceLoan AmountCredit ScoreInterest RateMonthly PaymentAnnual SalaryCityLoan TypePurposeLoan TermLTVDTIPurchase ReasonLender
09/13/2020310,000245,0008063.221,356204,000Acworth, GAConventionalCash-Out Refinance15 yrs78.9833Primary549300Y4BSP3BSFW7J29
09/13/2020494,000295,0007983.341,00775,000Atlanta, GAConventionalCash-Out Refinance20 yrs59.7240Primary549300Y4BSP3BSFW7J29
09/13/2020270,500156,7508133.1463353,000Newnan, GAConventionalRefinance15 yrs57.9740Primary549300Y4BSP3BSFW7J29
09/13/2020143,50095,0008153.0935293,000Sterling Heights, MIConventionalCash-Out Refinance20 yrs66.3125Primary5493008NQVB5ZOWYNU83
09/13/2020366,500285,0008093.031,532127,000Traverse City, MIConventionalCash-Out Refinance15 yrs77.7241Primary5493008NQVB5ZOWYNU83
09/13/2020237,500155,0008203.1370490,000Rochester Hills, MIConventionalRefinance15 yrs65.2633Primary5493008NQVB5ZOWYNU83
09/13/2020430,500365,7507054.391,554149,000Hastings, MIConventionalRefinance30 yrs85.0033Primary549300461TECLDDGNF98
09/13/2020105,00035,0007823.8411750,000South Haven, MIConventionalRefinance10 yrs33.3036Primary549300461TECLDDGNF98
09/13/2020274,000165,0008003.69719189,000South Haven, MIConventionalRefinance15 yrs60.2015Primary549300461TECLDDGNF98
09/13/2020236,000183,7507513.96752145,000Princeton, NJConventionalCash-Out Refinance25 yrs77.8733PrimaryPAOOWF3GUFM46FBSP561

Today's Average Refinance Mortgage Rates by Credit Score at CIBC Bank USA

leiStateCredit ScoreConventionalFHAVA
01J4SO3XTWZF4PP38209AL650 and below4.334.274.20
01J4SO3XTWZF4PP38209AL650 to 7004.094.134.00
01J4SO3XTWZF4PP38209AL700 to 7503.783.623.50
01J4SO3XTWZF4PP38209AL750 to 8003.323.222.95
01J4SO3XTWZF4PP38209AL800 and above2.792.682.53
01J4SO3XTWZF4PP38209FL650 and below4.634.244.41
01J4SO3XTWZF4PP38209FL650 to 7004.344.023.97
01J4SO3XTWZF4PP38209FL700 to 7503.803.533.44
01J4SO3XTWZF4PP38209FL750 to 8003.403.073.03
01J4SO3XTWZF4PP38209FL800 and above2.822.582.57

Fig: Average refinance mortgage rates by credit score in the selected state in 2020 offered by CIBC Bank USA

leiStateCredit ScoreConventionalFHAVA
01J4SO3XTWZF4PP38209AL650 and below5.364.854.82
01J4SO3XTWZF4PP38209AL650 to 7004.904.624.36
01J4SO3XTWZF4PP38209AL700 to 7504.324.224.12
01J4SO3XTWZF4PP38209AL750 to 8003.963.803.62
01J4SO3XTWZF4PP38209AL800 and above3.463.403.13
01J4SO3XTWZF4PP38209FL650 and below5.204.704.64
01J4SO3XTWZF4PP38209FL650 to 7004.784.464.35
01J4SO3XTWZF4PP38209FL700 to 7504.394.153.97
01J4SO3XTWZF4PP38209FL750 to 8003.913.683.54
01J4SO3XTWZF4PP38209FL800 and above3.473.213.07

Fig: Average refinance mortgage rates by credit score in the selected state in 2019 offered by CIBC Bank USA

leiStateCredit ScoreConventionalFHAVA
01J4SO3XTWZF4PP38209AL650 and below5.635.074.90
01J4SO3XTWZF4PP38209AL650 to 7005.164.904.67
01J4SO3XTWZF4PP38209AL700 to 7504.594.624.30
01J4SO3XTWZF4PP38209AL750 to 8004.124.093.90
01J4SO3XTWZF4PP38209AL800 and above3.843.533.33
01J4SO3XTWZF4PP38209FL650 and below5.695.455.04
01J4SO3XTWZF4PP38209FL650 to 7005.134.654.83
01J4SO3XTWZF4PP38209FL700 to 7504.734.404.31
01J4SO3XTWZF4PP38209FL750 to 8004.253.983.88
01J4SO3XTWZF4PP38209FL800 and above3.813.603.42

Fig: Average refinance mortgage rates by credit score in the selected state in 2018 offered by CIBC Bank USA

Average Refinance Mortgage Rates by Loan-to-Value at CIBC Bank USA

leiStateLoan-to-ValueInterest Rate
01J4SO3XTWZF4PP38209AL50% and below3.30
01J4SO3XTWZF4PP38209AL50% to 75%3.59
01J4SO3XTWZF4PP38209AL75% to 80%4.50
01J4SO3XTWZF4PP38209AL80% to 85%5.86
01J4SO3XTWZF4PP38209AL85% to 90%6.32
01J4SO3XTWZF4PP38209AL90% to 95%6.77
01J4SO3XTWZF4PP38209AL95% to 100%7.22
01J4SO3XTWZF4PP38209AL100% to 110%7.68
01J4SO3XTWZF4PP38209AL110% to 120%8.13
01J4SO3XTWZF4PP38209FL50% and below3.30

Fig: Average refinance mortgage rates by loan-to-value ratio in the selected state in 2020 offered by CIBC Bank USA

leiStateLoan-to-ValueInterest Rate
01J4SO3XTWZF4PP38209AL50% and below3.60
01J4SO3XTWZF4PP38209AL50% to 75%4.19
01J4SO3XTWZF4PP38209AL75% to 80%5.16
01J4SO3XTWZF4PP38209AL80% to 85%6.61
01J4SO3XTWZF4PP38209AL85% to 90%7.09
01J4SO3XTWZF4PP38209AL90% to 95%7.57
01J4SO3XTWZF4PP38209AL95% to 100%8.05
01J4SO3XTWZF4PP38209AL100% to 110%8.54
01J4SO3XTWZF4PP38209AL110% to 120%9.02
01J4SO3XTWZF4PP38209FL50% and below3.58

Fig: Average refinance mortgage rates by loan-to-value ratio in the selected state in 2019 offered by CIBC Bank USA

leiStateLoan-to-ValueInterest Rate
01J4SO3XTWZF4PP38209AL50% and below3.73
01J4SO3XTWZF4PP38209AL50% to 75%4.47
01J4SO3XTWZF4PP38209AL75% to 80%5.43
01J4SO3XTWZF4PP38209AL80% to 85%6.88
01J4SO3XTWZF4PP38209AL85% to 90%7.36
01J4SO3XTWZF4PP38209AL90% to 95%7.84
01J4SO3XTWZF4PP38209AL95% to 100%8.33
01J4SO3XTWZF4PP38209AL100% to 110%8.81
01J4SO3XTWZF4PP38209AL110% to 120%9.29
01J4SO3XTWZF4PP38209FL50% and below3.72

Fig: Average refinance mortgage rates by loan-to-value ratio in the selected state in 2018 offered by CIBC Bank USA

Average Refinance Mortgage Rates by Debt-to-Income at CIBC Bank USA

leiStateDebt-to-IncomeInterest Rate
01J4SO3XTWZF4PP38209AL15% and below3.18
01J4SO3XTWZF4PP38209AL15% to 25%3.36
01J4SO3XTWZF4PP38209AL25% to 35%3.53
01J4SO3XTWZF4PP38209AL35% to 40%4.53
01J4SO3XTWZF4PP38209AL40% to 45%5.94
01J4SO3XTWZF4PP38209AL45% and above7.35
01J4SO3XTWZF4PP38209FL15% and below3.18
01J4SO3XTWZF4PP38209FL15% to 25%3.36
01J4SO3XTWZF4PP38209FL25% to 35%3.53
01J4SO3XTWZF4PP38209FL35% to 40%4.53

Fig: Average refinance mortgage rates by debt-to-income ratio in the selected state in 2020 offered by CIBC Bank USA

leiStateDebt-to-IncomeInterest Rate
01J4SO3XTWZF4PP38209AL15% and below3.36
01J4SO3XTWZF4PP38209AL15% to 25%3.72
01J4SO3XTWZF4PP38209AL25% to 35%4.07
01J4SO3XTWZF4PP38209AL35% to 40%5.07
01J4SO3XTWZF4PP38209AL40% to 45%6.39
01J4SO3XTWZF4PP38209AL45% and above7.71
01J4SO3XTWZF4PP38209FL15% and below3.35
01J4SO3XTWZF4PP38209FL15% to 25%3.70
01J4SO3XTWZF4PP38209FL25% to 35%4.05
01J4SO3XTWZF4PP38209FL35% to 40%5.05

Fig: Average refinance mortgage rates by debt-to-income ratio in the selected state in 2019 offered by CIBC Bank USA

leiStateDebt-to-IncomeInterest Rate
01J4SO3XTWZF4PP38209AL15% and below3.44
01J4SO3XTWZF4PP38209AL15% to 25%3.88
01J4SO3XTWZF4PP38209AL25% to 35%4.32
01J4SO3XTWZF4PP38209AL35% to 40%5.35
01J4SO3XTWZF4PP38209AL40% to 45%6.67
01J4SO3XTWZF4PP38209AL45% and above7.99
01J4SO3XTWZF4PP38209FL15% and below3.43
01J4SO3XTWZF4PP38209FL15% to 25%3.87
01J4SO3XTWZF4PP38209FL25% to 35%4.30
01J4SO3XTWZF4PP38209FL35% to 40%5.33

Fig: Average refinance mortgage rates by debt-to-income ratio in the selected state in 2018 offered by CIBC Bank USA