Wind Ridge, Pennsylvania Refinance Rates - October 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Wind Ridge, Pennsylvania mortgage refinance rates from lenders serving Pennsylvania range from 5.00% to 9.25%, verified by MonitorBankRates as of October 6, 2026. Current mortgage refinance rates for Wind Ridge, Pennsylvania borrowers from lenders serving Pennsylvania include Marion Center BankMarion Center BankB4.3 ★Texas Ratio: 12.13% at 6.65%, Citizens BankCitizens BankA+5.0 ★Texas Ratio: 5.44% at 7.75%, Hill District Federal Credit UnionHill District Federal Credit UnionC+4.2 ★Texas Ratio: 25.14% at 5.75%, JTNBJTNBA+5.0 ★Texas Ratio: 0.00% at 6.35%, and Iron Workers SBIron Workers SBA+5.0 ★Texas Ratio: 0.00% at 6.125%. Refinance rates as of October 6, 2026 according to verified data from MonitorBankRates.
Wind Ridge homeowners can compare 207 refinance rates from 46 lenders serving the Pennsylvania area, with refinance rates as low as 5.75% from Hill District Federal Credit Union. Lenders below quote one rate for purchase and refinance loans. Use the tabs below to compare available loan types, then run the break-even calculator. Rates are continually updated, so we recommend checking back frequently.
Refinance rates reflect actual verified offers from lenders actively lending to Pennsylvania homeowners. Your final approved rate will depend on your credit profile, loan-to-value ratio, cash-out amount, and daily market movements. Last Updated and Verified: October 6, 2026
Compare Refinance Rates Today in Wind Ridge, Pennsylvania & the Surrounding Area
Rates shown are each lender’s posted rate for that loan type, which most lenders apply to purchase and refinance loans alike. Local Wind Ridge, PA lenders are listed first in every tab. Among lenders that post both, refinance pricing currently runs about 0.180 points above the same lender’s purchase rate nationally. That premium is shown for context only; every rate in the table is the lender’s posted rate.
Wind Ridge 30 Year Fixed Refinance Rates
No additional details available.
- Oct 1, 20266.69%▲ from 6.18%
- Sep 27, 20266.18%▲ from 6.03%
- Sep 15, 20266.03%first recorded
Rates listed include 0.125% autopay and paperless discount. Requires a Citizens consumer checking account set up at time of loan origination with automatic monthly payment deduction.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
- Oct 1, 20266.51%▲ from 6.39%
- Sep 16, 20266.39%first recorded
No additional details available.
Term: 30 Year Fixed (or 360 monthly payments)
No additional details available.
- Oct 1, 20266.64%▲ from 6.52%
- Sep 16, 20266.52%first recorded
No additional details available.
APR as low as
No additional details available.
- Oct 1, 20266.76%▲ from 6.50%
- Sep 24, 20266.50%▲ from 6.25%
- Sep 19, 20266.25%first recorded
No additional details available.
- Oct 1, 20266.77%▲ from 6.27%
- Sep 27, 20266.27%▲ from 6.12%
- Sep 15, 20266.12%first recorded
No additional details available.
- Oct 1, 20266.86%▲ from 6.48%
- Sep 19, 20266.48%▼ from 7.49%
- Sep 15, 20267.49%first recorded
Minimum Down: 5%; Time Initial Rate is Fixed: n/a; Adjustment After Initial Period: n/a; First Adjusted Interest Rate: n/a; Max Lifetime Cap: n/a
As Low As; Low, Fixed Rates and Payments.
- Oct 4, 20267.00%▲ from 6.75%
- Sep 18, 20266.75%▲ from 6.50%
- Sep 12, 20266.50%first recorded
No additional details available.
- Oct 1, 20267.01%▲ from 6.76%
- Sep 24, 20266.76%▲ from 6.51%
- Sep 15, 20266.51%first recorded
No additional details available.
- Oct 1, 20267.01%▲ from 6.64%
- Sep 19, 20266.64%▲ from 5.64%
- Sep 15, 20265.64%first recorded
The Interest Rate is the cost paid each year to borrow money, expressed as a percentage rate. It does not reflect fees or any other changes you may have to pay for the loan. APR = Annual Percentage Rate; effective 10/02/2026 and subject to change without notice. The APR is a broader measure of the cost to you of borrowing the money. The APR reflects not only the interest rate, but also any points, fees paid at closing, and other charges that you have to pay to get the loan. For that reason, the APR is usually higher than the Interest Rate. Your final APR may vary based on your final loan amount and finance charges. For other options with points, please call 610-485-2960 x751.
- Oct 2, 20267.02%▲ from 6.82%
- Sep 25, 20266.82%▲ from 6.52%
- Sep 17, 20266.52%▲ from 6.39%
- Sep 12, 20266.39%first recorded
No additional details available.
- Oct 2, 20267.07%▲ from 6.82%
- Sep 25, 20266.82%▲ from 6.07%
- Sep 17, 20266.07%▼ from 6.39%
- Sep 12, 20266.39%first recorded
No additional details available.
- Oct 1, 20267.10%▲ from 6.97%
- Sep 24, 20266.97%▲ from 6.72%
- Sep 16, 20266.72%first recorded
As Low As; **
- Oct 2, 20267.13%▲ from 6.75%
- Sep 16, 20266.75%first recorded
No additional details available.
No additional details available.
- Oct 1, 20267.16%▲ from 7.03%
- Sep 27, 20267.03%▲ from 6.78%
- Sep 19, 20266.78%first recorded
720 minimum credit score required.
- Sep 27, 20267.16%▲ from 7.03%
- Sep 24, 20267.03%▲ from 6.90%
- Sep 15, 20266.90%first recorded
No additional details available.
- Oct 2, 20267.17%▲ from 7.04%
- Sep 25, 20267.04%first recorded
Loan Amount: $0 - $832,750
- Oct 1, 20267.19%▲ from 6.81%
- Sep 16, 20266.81%first recorded
As low as
- Oct 5, 20267.20%▲ from 6.95%
- Sep 14, 20266.95%first recorded
No additional details available.
- Oct 1, 20267.32%▲ from 7.18%
- Sep 27, 20267.18%▲ from 6.93%
- Sep 19, 20266.93%first recorded
Loan amount: $400,000, 20% down, 30 days prepaid interest. Prepaid finance charges: $3,122 (includes flood search, origination charge, discount points and closing service letter fee). For purchase or no cash-out refinance of single-family, first-lien, owner-occupied residential property. Based on 780 FICO credit score. Subject to underwriting guidelines and collateral requirements. Rates subject to change.
- Oct 1, 20267.33%▲ from 7.20%
- Sep 27, 20267.20%▲ from 6.95%
- Sep 19, 20266.95%first recorded
No additional details available.
- Oct 4, 20267.34%▼ from 7.72%
- Oct 2, 20267.72%▲ from 7.21%
- Sep 25, 20267.21%first recorded
No additional details available.
- Oct 1, 20267.40%▼ from 7.47%
- Sep 24, 20267.47%▲ from 7.09%
- Sep 18, 20267.09%▲ from 6.84%
- Sep 8, 20266.84%first recorded
Fixed-Rate
- Oct 6, 20267.41%▲ from 7.13%
- Sep 27, 20267.13%▲ from 7.03%
- Sep 18, 20267.03%▲ from 6.90%
- Sep 14, 20266.90%first recorded
No additional details available.
- Oct 1, 20267.41%▲ from 7.28%
- Sep 27, 20267.28%▲ from 7.03%
- Sep 18, 20267.03%first recorded
No additional details available.
- Oct 1, 20267.42%▲ from 7.17%
- Sep 27, 20267.17%▲ from 7.04%
- Sep 24, 20267.04%▲ from 6.79%
- Sep 15, 20266.79%first recorded
No additional details available.
- Oct 2, 20267.44%▲ from 7.19%
- Sep 27, 20267.19%first recorded
No additional details available.
- Oct 4, 20267.48%▼ from 7.60%
- Oct 1, 20267.60%first recorded
No additional details available.
- Sep 17, 20267.50%▲ from 6.93%
- Sep 14, 20266.93%first recorded
No additional details available.
- Sep 17, 20267.55%▲ from 6.93%
- Sep 14, 20266.93%first recorded
No additional details available.
- Oct 1, 20267.57%▲ from 7.32%
- Sep 28, 20267.32%first recorded
No additional details available.
- Sep 17, 20267.57%▲ from 6.93%
- Sep 14, 20266.93%first recorded
No additional details available.
- Oct 4, 20267.63%▼ from 7.75%
- Oct 2, 20267.75%▲ from 7.38%
- Sep 25, 20267.38%first recorded
No additional details available.
- Oct 4, 20267.63%▼ from 7.76%
- Oct 2, 20267.76%▲ from 7.25%
- Sep 25, 20267.25%▲ from 7.13%
- Sep 17, 20267.13%first recorded
No additional details available.
No additional details available.
- Oct 2, 20267.76%▲ from 7.63%
- Sep 25, 20267.63%▲ from 7.43%
- Sep 17, 20267.43%first recorded
No additional details available.
- Oct 4, 20267.80%▲ from 7.54%
- Oct 2, 20267.54%▲ from 7.41%
- Sep 25, 20267.41%▲ from 7.16%
- Sep 16, 20267.16%first recorded
No additional details available.
No additional details available.
- Oct 4, 20267.85%▼ from 8.23%
- Oct 2, 20268.23%▲ from 7.72%
- Sep 25, 20267.72%first recorded
No additional details available.
- Oct 2, 20267.86%▲ from 7.73%
- Sep 25, 20267.73%▲ from 7.48%
- Sep 17, 20267.48%first recorded
No additional details available.
- Oct 1, 20267.87%▲ from 6.48%
- Sep 19, 20266.48%▼ from 7.49%
- Sep 15, 20267.49%first recorded
Wind Ridge 15 Year Fixed Refinance Rates
No additional details available.
- Oct 1, 20266.20%▲ from 5.70%
- Sep 15, 20265.70%first recorded
Rates listed include 0.125% autopay and paperless discount. Requires a Citizens consumer checking account set up at time of loan origination with automatic monthly payment deduction.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
- Oct 1, 20266.00%▲ from 5.89%
- Sep 16, 20265.89%first recorded
Term: 15 Year Fixed (or 180 monthly payments)
No additional details available.
- Oct 1, 20266.15%▲ from 6.03%
- Sep 16, 20266.03%first recorded
The Interest Rate is the cost paid each year to borrow money, expressed as a percentage rate. It does not reflect fees or any other changes you may have to pay for the loan. APR = Annual Percentage Rate; effective 10/02/2026 and subject to change without notice. The APR is a broader measure of the cost to you of borrowing the money. The APR reflects not only the interest rate, but also any points, fees paid at closing, and other charges that you have to pay to get the loan. For that reason, the APR is usually higher than the Interest Rate. Your final APR may vary based on your final loan amount and finance charges. For other options with points, please call 610-485-2960 x751.
- Oct 2, 20266.15%▲ from 5.99%
- Sep 25, 20265.99%▼ from 6.03%
- Sep 17, 20266.03%▲ from 5.90%
- Sep 12, 20265.90%first recorded
No additional details available.
- Oct 4, 20266.19%▼ from 6.57%
- Oct 2, 20266.57%▲ from 6.45%
- Sep 16, 20266.45%first recorded
No additional details available.
- Oct 2, 20266.24%▲ from 5.99%
- Sep 25, 20265.99%▲ from 5.62%
- Sep 17, 20265.62%▼ from 5.90%
- Sep 12, 20265.90%first recorded
No additional details available.
- Oct 4, 20266.26%▼ from 6.57%
- Oct 2, 20266.57%▲ from 6.45%
- Sep 16, 20266.45%first recorded
No additional details available.
- Oct 1, 20266.27%▲ from 5.90%
- Sep 19, 20265.90%▼ from 7.15%
- Sep 15, 20267.15%first recorded
Minimum Down: 5%; Time Initial Rate is Fixed: n/a; Adjustment After Initial Period: n/a; First Adjusted Interest Rate: n/a; Max Lifetime Cap: n/a
No additional details available.
- Oct 4, 20266.32%▼ from 6.57%
- Oct 2, 20266.57%▲ from 6.45%
- Sep 16, 20266.45%first recorded
No additional details available.
- Oct 1, 20266.35%▲ from 5.85%
- Sep 15, 20265.85%first recorded
Additional APR listed for this product: 6.569%.
- Oct 4, 20266.39%▼ from 6.57%
- Oct 2, 20266.57%▲ from 6.45%
- Sep 16, 20266.45%first recorded
Additional APR listed for this product: 6.634%.
- Oct 4, 20266.45%▼ from 6.57%
- Oct 2, 20266.57%▲ from 6.45%
- Sep 16, 20266.45%first recorded
Loan amount: $400,000, 20% down, 30 days prepaid interest. Prepaid finance charges: $3,122 (includes flood search, origination charge, discount points and closing service letter fee). For purchase or no cash-out refinance of single-family, first-lien, owner-occupied residential property. Based on 780 FICO credit score. Subject to underwriting guidelines and collateral requirements. Rates subject to change.
- Sep 27, 20266.53%▲ from 6.17%
- Sep 19, 20266.17%first recorded
No additional details available.
- Sep 25, 20266.55%▲ from 6.44%
- Sep 16, 20266.44%first recorded
No additional details available.
- Oct 1, 20266.59%▲ from 6.34%
- Sep 24, 20266.34%▲ from 6.08%
- Sep 15, 20266.08%first recorded
No additional details available.
- Sep 25, 20266.62%▲ from 6.44%
- Sep 16, 20266.44%first recorded
No additional details available.
- Sep 27, 20266.62%▲ from 6.24%
- Sep 19, 20266.24%first recorded
No additional details available.
- Sep 25, 20266.68%▲ from 6.44%
- Sep 16, 20266.44%first recorded
Loan Amount: $0 - $832,750
- Oct 1, 20266.69%▲ from 6.28%
- Sep 16, 20266.28%first recorded
No additional details available.
- Oct 2, 20266.69%▲ from 6.57%
- Sep 25, 20266.57%first recorded
No additional details available.
- Oct 2, 20266.70%▲ from 6.45%
- Sep 16, 20266.45%first recorded
No additional details available.
- Sep 27, 20266.71%▲ from 6.46%
- Sep 24, 20266.46%▲ from 6.34%
- Sep 19, 20266.34%first recorded
No additional details available.
720 minimum credit score required.
- Sep 27, 20266.74%▲ from 6.62%
- Sep 24, 20266.62%▲ from 6.49%
- Sep 15, 20266.49%first recorded
No additional details available.
- Sep 25, 20266.75%▲ from 6.44%
- Sep 16, 20266.44%first recorded
No additional details available.
- Oct 2, 20266.77%▲ from 6.45%
- Sep 16, 20266.45%first recorded
No additional details available.
- Sep 25, 20266.81%▲ from 6.44%
- Sep 16, 20266.44%first recorded
No additional details available.
- Oct 2, 20266.83%▲ from 6.45%
- Sep 16, 20266.45%first recorded
As low as
- Oct 5, 20266.87%▲ from 6.62%
- Sep 17, 20266.62%▲ from 6.24%
- Sep 14, 20266.24%first recorded
No additional details available.
- Oct 1, 20266.88%▼ from 6.92%
- Sep 27, 20266.92%▲ from 6.63%
- Sep 24, 20266.63%▲ from 6.55%
- Sep 18, 20266.55%first recorded
No additional details available.
No additional details available.
- Oct 1, 20266.94%▲ from 6.69%
- Sep 28, 20266.69%first recorded
No additional details available.
No additional details available.
- Oct 4, 20267.00%▼ from 7.25%
- Oct 2, 20267.25%▲ from 7.00%
- Sep 25, 20267.00%first recorded
No additional details available.
- Sep 27, 20267.05%▲ from 6.80%
- Sep 19, 20266.80%first recorded
No additional details available.
- Oct 2, 20267.14%▲ from 7.02%
- Sep 27, 20267.02%▲ from 6.89%
- Sep 18, 20266.89%▲ from 6.39%
- Sep 14, 20266.39%first recorded
No additional details available.
- Oct 1, 20267.18%▼ from 7.81%
- Sep 15, 20267.81%first recorded
No additional details available.
No additional details available.
- Sep 27, 20267.23%▲ from 6.98%
- Sep 24, 20266.98%▲ from 6.85%
- Sep 15, 20266.85%first recorded
No additional details available.
No additional details available.
- Sep 17, 20267.26%▲ from 6.62%
- Sep 14, 20266.62%first recorded
No additional details available.
- Oct 1, 20267.27%▲ from 5.90%
- Sep 19, 20265.90%▼ from 7.15%
- Sep 15, 20267.15%first recorded
No additional details available.
- Sep 17, 20267.30%▲ from 6.62%
- Sep 14, 20266.62%first recorded
Wind Ridge 5/1 ARM Refinance Rates
As low as
As Low As; Fixed Interest Rate for the first 5 years; Switches to Adjustable for remainder of term
- Oct 4, 20266.00%▲ from 5.75%
- Sep 18, 20265.75%▲ from 5.50%
- Sep 12, 20265.50%first recorded
Introductory rate expires after 60 months. After the introductory period, the APR is determined by adding a margin of 2.75% to the weekly average yield on U.S. Treasury Securities adjusted to a constant maturity of one year, but with a floor of the introductory rate. The floor for a recent Rate as of November 17, 2025, was 6.250%, for applicants with FICO scores of at least 700. The APR is subject to change after consummation and may change annually after the first five years. Add .500% to Rate to arrive at a Floor of 6.750% for investment properties, for applicants with FICO scores of at least 700.
As low as
Max LTV: 75% Refi., Cashout or Purch.; Max Amort.: 30 years
As Low As
- Oct 2, 20266.63%▲ from 6.38%
- Sep 18, 20266.38%first recorded
No additional details available.
5/1 Arm (30-Year)
As Low As
As Low As
- Oct 2, 20266.88%▲ from 6.63%
- Sep 18, 20266.63%first recorded
No additional details available.
- Oct 1, 20266.93%▲ from 6.62%
- Sep 19, 20266.62%first recorded
caps 2% / 4% life
- Oct 1, 20266.93%▲ from 6.62%
- Sep 19, 20266.62%first recorded
No additional details available.
- Sep 25, 20266.94%▲ from 6.89%
- Sep 17, 20266.89%first recorded
No additional details available.
- Sep 27, 20266.97%▲ from 6.79%
- Sep 24, 20266.79%▲ from 6.67%
- Sep 19, 20266.67%first recorded
No additional details available.
- Sep 27, 20266.97%▲ from 6.80%
- Sep 24, 20266.80%▲ from 6.67%
- Sep 19, 20266.67%first recorded
As low as; Rate is fixed for the first 5 years. Rate caps help limit how much your rate can change over time.
- Oct 4, 20267.01%▲ from 6.84%
- Sep 17, 20266.84%▲ from 6.65%
- Sep 12, 20266.65%first recorded
No additional details available.
No additional details available.
- Oct 2, 20267.01%▼ from 7.10%
- Oct 1, 20267.10%▲ from 6.99%
- Sep 27, 20266.99%▲ from 6.97%
- Sep 19, 20266.97%▲ from 6.95%
As low as
Initial Fixed Rate Period: 5 Years
- Oct 1, 20267.18%▲ from 7.14%
- Sep 24, 20267.14%▲ from 6.89%
- Sep 16, 20266.89%first recorded
Minimum Down: 10%; Time Initial Rate is Fixed: 5 Yrs.; Adjustment After Initial Period: 6 Months; First Adjusted Interest Rate: 6.625%; Max Lifetime Cap: 12.375%
As low as
caps 2% / 4% life
- Oct 1, 20267.93%▲ from 7.51%
- Sep 15, 20267.51%first recorded
caps 2% / 4% life
- Oct 1, 20267.93%▲ from 7.51%
- Sep 15, 20267.51%first recorded
Wind Ridge 30-Year Jumbo Refinance Rates
No additional details available.
- Oct 4, 20266.34%▼ from 6.59%
- Oct 2, 20266.59%▲ from 6.42%
- Sep 16, 20266.42%first recorded
No additional details available.
- Oct 4, 20266.37%▼ from 6.59%
- Oct 2, 20266.59%▲ from 6.42%
- Sep 16, 20266.42%first recorded
No additional details available.
- Oct 4, 20266.40%▼ from 6.59%
- Oct 2, 20266.59%▲ from 6.42%
- Sep 16, 20266.42%first recorded
Additional APR listed for this product: 6.593%.
- Oct 4, 20266.42%▼ from 6.59%
- Oct 2, 20266.59%▲ from 6.42%
- Sep 16, 20266.42%first recorded
No additional details available.
No additional details available.
No additional details available.
- Oct 2, 20266.59%▲ from 6.42%
- Sep 16, 20266.42%first recorded
No additional details available.
- Oct 2, 20266.59%▲ from 6.56%
- Sep 25, 20266.56%▲ from 6.42%
- Sep 16, 20266.42%first recorded
No additional details available.
- Oct 2, 20266.59%▲ from 6.56%
- Sep 25, 20266.56%▲ from 6.42%
- Sep 16, 20266.42%first recorded
No additional details available.
- Oct 2, 20266.62%▲ from 6.42%
- Sep 16, 20266.42%first recorded
No additional details available.
- Oct 2, 20266.62%▲ from 6.56%
- Sep 25, 20266.56%▲ from 6.42%
- Sep 16, 20266.42%first recorded
No additional details available.
- Oct 2, 20266.62%▲ from 6.56%
- Sep 25, 20266.56%▲ from 6.42%
- Sep 16, 20266.42%first recorded
No additional details available.
- Oct 2, 20266.62%▲ from 6.42%
- Sep 16, 20266.42%first recorded
No additional details available.
No additional details available.
- Oct 2, 20266.65%▲ from 6.42%
- Sep 16, 20266.42%first recorded
No additional details available.
- Oct 2, 20266.65%▲ from 6.56%
- Sep 25, 20266.56%▲ from 6.42%
- Sep 16, 20266.42%first recorded
No additional details available.
- Oct 2, 20266.65%▲ from 6.56%
- Sep 25, 20266.56%▲ from 6.42%
- Sep 16, 20266.42%first recorded
No additional details available.
- Oct 2, 20266.65%▲ from 6.42%
- Sep 16, 20266.42%first recorded
Rate Lock: 60 Day
Rate Lock: 60 Day
Payment Example: 3/5 Jumbo ARM Payment Example
- Oct 6, 20266.87%▲ from 6.77%
- Sep 30, 20266.77%first recorded
No additional details available.
- Oct 1, 20266.88%▲ from 6.63%
- Sep 24, 20266.63%first recorded
No additional details available.
No additional details available.
- Oct 1, 20267.65%▲ from 7.52%
- Sep 28, 20267.52%▲ from 7.15%
- Sep 16, 20267.15%first recorded
No additional details available.
- Oct 1, 20267.66%▲ from 7.42%
- Sep 24, 20267.42%▲ from 7.34%
- Sep 18, 20267.34%first recorded
No additional details available.
No additional details available.
Wind Ridge 15-Year Jumbo Refinance Rates
No additional details available.
No additional details available.
- Oct 4, 20266.13%▼ from 6.51%
- Oct 2, 20266.51%▲ from 6.40%
- Sep 16, 20266.40%first recorded
No additional details available.
- Oct 1, 20266.14%▲ from 6.00%
- Sep 24, 20266.00%first recorded
No additional details available.
- Oct 4, 20266.20%▼ from 6.51%
- Oct 2, 20266.51%▲ from 6.40%
- Sep 16, 20266.40%first recorded
No additional details available.
No additional details available.
- Oct 4, 20266.26%▼ from 6.51%
- Oct 2, 20266.51%▲ from 6.40%
- Sep 16, 20266.40%first recorded
Additional APR listed for this product: 6.510%.
- Oct 4, 20266.33%▼ from 6.51%
- Oct 2, 20266.51%▲ from 6.40%
- Sep 16, 20266.40%first recorded
Additional APR listed for this product: 6.575%.
- Oct 4, 20266.40%▼ from 6.51%
- Oct 2, 20266.51%▲ from 6.40%
- Sep 16, 20266.40%first recorded
No additional details available.
- Sep 25, 20266.51%▲ from 6.39%
- Sep 16, 20266.39%first recorded
No additional details available.
- Sep 25, 20266.57%▲ from 6.39%
- Sep 16, 20266.39%first recorded
Rate Lock: 60 Day
No additional details available.
- Sep 25, 20266.64%▲ from 6.39%
- Sep 16, 20266.39%first recorded
No additional details available.
- Oct 2, 20266.64%▲ from 6.40%
- Sep 16, 20266.40%first recorded
No additional details available.
- Sep 25, 20266.70%▲ from 6.39%
- Sep 16, 20266.39%first recorded
No additional details available.
- Oct 2, 20266.71%▲ from 6.40%
- Sep 16, 20266.40%first recorded
No additional details available.
- Sep 25, 20266.77%▲ from 6.39%
- Sep 16, 20266.39%first recorded
No additional details available.
- Oct 2, 20266.77%▲ from 6.40%
- Sep 16, 20266.40%first recorded
No additional details available.
No additional details available.
- Oct 1, 20267.28%▲ from 7.16%
- Sep 28, 20267.16%▲ from 6.66%
- Sep 16, 20266.66%first recorded
No additional details available.
- Oct 1, 20267.32%▲ from 6.89%
- Sep 24, 20266.89%▲ from 6.83%
- Sep 18, 20266.83%first recorded
No additional details available.
- Sep 27, 20267.49%▲ from 7.24%
- Sep 24, 20267.24%▲ from 7.11%
- Sep 15, 20267.11%first recorded
No additional details available.
Wind Ridge 5/1 Jumbo ARM Refinance Rates
Payment Example: 5/5 Jumbo ARM Payment Example
- Oct 6, 20266.83%▲ from 6.75%
- Sep 30, 20266.75%first recorded
No additional details available.
Wind Ridge FHA Loan Rates
As Low As; Subject to credit approval. Rates, terms, and information are subject to change at any time. Rates offered are dependent on credit score at application. Rates are locked for 60 days. Loans with less than 20% down payment will require private mortgage insurance. NMLS 595144
No additional details available.
No additional details available.
No additional details available.
- Oct 2, 20267.76%▲ from 7.63%
- Sep 25, 20267.63%▲ from 7.43%
- Sep 17, 20267.43%first recorded
No additional details available.
- Oct 2, 20267.76%▲ from 7.63%
- Sep 25, 20267.63%first recorded
No additional details available.
- Oct 4, 20267.85%▼ from 8.23%
- Oct 2, 20268.23%▲ from 7.72%
- Sep 25, 20267.72%first recorded
No additional details available.
- Oct 2, 20267.86%▲ from 7.73%
- Sep 25, 20267.73%▲ from 7.48%
- Sep 17, 20267.48%first recorded
No additional details available.
- Oct 1, 20268.16%▲ from 7.78%
- Sep 27, 20267.78%▲ from 7.41%
- Sep 24, 20267.41%first recorded
Wind Ridge VA Loan Rates
No additional details available.
No additional details available.
- Oct 4, 20267.34%▼ from 7.72%
- Oct 2, 20267.72%▲ from 7.21%
- Sep 25, 20267.21%first recorded
No additional details available.
- Oct 4, 20267.63%▼ from 7.76%
- Oct 2, 20267.76%▲ from 7.25%
- Sep 25, 20267.25%▲ from 7.13%
- Sep 17, 20267.13%first recorded
No additional details available.
- Oct 2, 20267.86%▲ from 7.73%
- Sep 25, 20267.73%first recorded
Banks and Credit Unions: If you need to update your rate data or request removal from MonitorBankRates.com, please contact us here.
National Refinance Rate Averages
Daily averages of posted rates across every lender we track, as of October 6, 2026. Use these as the benchmark for the Wind Ridge, Pennsylvania quotes above; lenders that price refinances separately currently run about 0.180 points higher.
Wind Ridge, PA Refinance Rate Trends
Compare local Wind Ridge, PA refinance quotes against the statewide average
Daily averages of posted first-mortgage rates across our lender network, updated every evening. Because most lenders price purchase and refinance loans identically, this is the benchmark a Pennsylvania refinance quote should be measured against, plus roughly 0.180 points at lenders that price refinances separately.
Pennsylvania 30-year fixed rates rose 0.145 points over the past 7 days to 7.286%.
Pennsylvania 15-year fixed rates rose 0.106 points over the past 7 days to 6.782%.
What Wind Ridge, PA Homeowners Actually Pay to Refinance
Posted refinance rates from our lender network alongside the rates borrowers closed at, from federal HMDA filings
Two different measures. The refinance premium is computed nightly from lenders that publish separate purchase and refinance pricing. HMDA figures are median note rates on loans that actually closed.
Pennsylvania Refinance Rate Forecast, Next 12 Months
Where are Pennsylvania refinance rates headed through October 2027?
Based on Fed funds rate futures, 10-year Treasury path, and historical mortgage spread model. If the forecast shows rates falling, waiting may beat refinancing today; the break-even calculator below shows what each scenario is worth. Not financial advice.
What Forecast Rates Mean for Wind Ridge, PA Homeowners Refinancing
Monthly principal & interest on a 30-year refinance of the loan of $134,320 (80% of the city median home value). Payment differences show what waiting for the forecast rate would be worth each month.
| Scenario | Rate | Mo. Payment | vs. Today | % of Income |
|---|---|---|---|---|
| Today (PA avg) | 7.286% | $920 | 11.3% | |
| 6-Month Forecast | 7.286% (6.94, 7.59%) | $920 | +$0/mo | 11.3% |
| 12-Month Forecast | 7.536% (7.19, 7.84%) | $943 | +$23/mo | 11.6% |
Income column = annual mortgage payment as % of Wind Ridge, PA median household income ($97,500). Above 30% is generally considered cost-burdened.
Wind Ridge, Pennsylvania Refinance Break-Even Calculator
Enter your current loan and the refinance rate you have been quoted. The calculator shows the new payment, monthly savings, and how many months it takes for those savings to pay back the closing costs. Click a current Wind Ridge, Pennsylvania rate on the right to test it instantly.
Principal and interest only. Excludes escrow, mortgage insurance, and any prepayment penalty on the current loan. Lifetime interest compares the remaining interest on the current loan to total interest on the new loan. Estimates are for informational purposes only.
Run the Numbers on Your Wind Ridge, Pennsylvania Refinance
The rate is only part of the decision. Use these calculators to turn current Wind Ridge, Pennsylvania home refinance rates into monthly savings, break-even months, and total interest before you talk to a lender.
If you already own a home, enter your current rate, remaining loan balance, and the rate you’ve been quoted to refinance. The calculator shows your new monthly payment, how much you’d save each month, and the break-even point, the number of months it takes for your savings to cover the closing costs of refinancing.
CalculateEnter your loan amount, interest rate, and term length to see your estimated monthly principal and interest payment. Adjust any variable to model different scenarios: a larger down payment, a shorter term, or a rate a quarter-point lower than what you were quoted.
CalculateIf your goal is cash rather than a lower rate, compare current Wind Ridge, Pennsylvania home equity loan and HELOC rates against a cash-out refinance. Keeping a low existing first mortgage and adding a second lien is often the cheaper path, especially for loans originated between 2020 and 2022.
CompareTell us your gross income, monthly debt obligations, and how much you have for a down payment. We’ll show you the home price range you’re likely to qualify for at current Wind Ridge, Pennsylvania rates, so you can shop with a realistic number in mind rather than discovering your ceiling after you’ve fallen in love with a property.
CalculateTypes of Refinance Loans Available in Wind Ridge, Pennsylvania
Homeowners in Wind Ridge, Pennsylvania can choose from several refinance programs. The right one depends on what you are trying to do: lower the rate, shorten the term, pull cash out, or drop mortgage insurance. Pricing, appraisal requirements, and eligibility differ across each, and the cheapest program is not always the lowest posted rate once fees are counted.
Rate-and-Term Refinance
The standard refinance. You replace your existing mortgage with a new loan for about the same balance, changing only the rate, the term, or both. It is the lowest-priced refinance product at nearly every Pennsylvania lender because the loan-to-value ratio does not rise.
Best for homeowners whose rate is at least half a point above today’s Wind Ridge, Pennsylvania average and who plan to stay past the break-even point. Choosing a term that matches your remaining years, rather than resetting to 30, keeps the payoff date where it is.
Cash-Out Refinance
A cash-out refinance replaces your mortgage with a larger one and hands you the difference at closing. Conventional lenders cap the new loan at 80% of appraised value; VA cash-out loans go to 90%. Rates run above rate-and-term pricing.
If you hold a low rate from 2020 to 2022, a home equity loan or HELOC in Wind Ridge, Pennsylvania usually costs less than refinancing the whole balance at today’s rate to pull out cash.
FHA Streamline Refinance
For homeowners already in an FHA loan. No appraisal, no income verification, and limited credit review, as long as the new loan produces a net tangible benefit (generally a rate at least 0.5% lower, or a move from an ARM to a fixed rate). You need 210 days since the first payment and six on-time payments.
The upfront mortgage insurance premium is reduced to 0.01% and annual MIP continues, so FHA borrowers with 20% equity and good credit should also price a conventional rate-and-term refinance, which drops mortgage insurance entirely.
VA IRRRL (Streamline Refinance)
The Interest Rate Reduction Refinance Loan lets veterans refinance an existing VA loan with no appraisal, no income documentation, and a funding fee of just 0.5% (waived for borrowers with a service-connected disability). Closing costs can be rolled into the loan.
The new rate must be lower than the current one unless you are moving from an ARM to a fixed rate, and you must recoup closing costs within 36 months. VA lenders in Pennsylvania quote IRRRL pricing separately, so ask for it by name.
USDA Streamlined-Assist Refinance
For homeowners with an existing USDA Rural Development loan. No appraisal or credit review in most cases, and the new payment must be at least $50 a month lower than the current one. The property no longer has to meet the rural eligibility map.
Twelve months of on-time payments are required, and the 1% upfront guarantee fee plus the annual fee apply to the new loan.
Jumbo Refinance
The 2026 FHFA conforming loan limit for Wind Ridge, Pennsylvania is $832,750. A refinance above that amount is a jumbo loan and stays on the lender’s books or goes to private investors, so pricing and underwriting are set lender by lender.
Jumbo refinances usually require a 700 or higher credit score, reserves of six to twelve months of payments, and a loan-to-value of 80% or less. Because balances are large, even a quarter-point rate difference is worth thousands a year, so compare the 30-Year Jumbo and 15-Year Jumbo tabs above closely. If paying the balance down to the conforming limit at closing is possible, conforming refinance pricing is often noticeably better.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Wind Ridge, Pennsylvania refinance rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Refinance Rate Data: We aggregate mortgage and refinance rates for Wind Ridge, Pennsylvania directly from the official websites of local lenders, credit unions, and national mortgage originators using our proprietary rate aggregation technology and a dedicated team of rate updaters. Where a lender publishes a product specifically for refinancing, that product is listed by name; where a lender publishes one rate sheet for purchase and refinance loans, that rate is shown as the refinance rate, which is how the lender itself quotes it.
Refinance Premium and HMDA Figures: The refinance premium is the average difference between a lender’s refinance-labeled product and the same lender’s standard product of the same term, computed nightly across lenders that publish both. It is shown for context and is never added to any rate in the tables. HMDA figures are median note rates on first-lien, owner-occupied, one-to-four-unit loans originated in the most recent reporting year, from the Consumer Financial Protection Bureau’s public Loan/Application Register.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available home loan products in Wind Ridge, Pennsylvania. We feature a comprehensive mix of licensed NMLS financial institutions, from neighborhood credit unions and competitive regional banks to large national originators available to borrowers in PA.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update mortgage and refinance rates daily. Because rates and APRs can fluctuate rapidly based on bond markets and economic conditions, every loan product features its own “last updated” date for full transparency.
Proprietary Lender Health & Safety Grades: Beyond tracking rates, MonitorBankRates evaluates the financial stability of every listed institution. Our Health Grades (A+ to F) and Star Ratings are composite metrics calculated using objective regulatory data, including the Texas Ratio, ensuring you compare rates from secure, reliable lenders.
How a Mortgage Refinance Works in Wind Ridge, Pennsylvania
A refinance pays off your current mortgage with a new loan on the same Wind Ridge, Pennsylvania home. The new lender wires the payoff to the old lender at closing, and from that point you make payments on the new loan only. Because it is a brand-new mortgage, you go through an application, credit check, and usually an appraisal, and you pay closing costs, just as you did when you bought the home.
How Wind Ridge, Pennsylvania Refinance Rates Compare to Purchase Rates
Most Pennsylvania banks and credit unions post one rate sheet that applies to purchase and refinance loans alike, which is why the tables above show the same lenders you will find on our Wind Ridge, Pennsylvania mortgage rates page. For example, Marion Center Bank is listing a 30 Year Fixed: Purchase/Refinance at 6.65% for either purpose. Some lenders price refinances separately and list them by name, such as Marion Center Bank’s 15 Year Fixed: Purchase/Refinance at 6.15%. Across lenders that post both, refinance pricing currently runs about 0.180 points above the same lender’s purchase rate nationally. Cash-out refinances, investment properties, and second homes carry pricing add-ons at every lender.
Finding Your Break-Even Point in Wind Ridge, Pennsylvania
Divide total closing costs by the monthly payment savings and you get the number of months until the refinance has paid for itself. A Wind Ridge, Pennsylvania homeowner who expects to sell before that month should not refinance, no matter how good the rate looks. The calculator above runs this math with today’s local rates. A shorter break-even, under three years, is a comfortable margin; anything past five years needs a long stay to pay off.
Refinance Closing Costs and No-Closing-Cost Loans in Wind Ridge, Pennsylvania
Refinance closing costs in Pennsylvania typically run two to five percent of the loan and include the lender’s origination fee, appraisal, title search and lender’s title policy, recording fees, and prepaid interest. Discount points are optional and buy the rate down. A no-closing-cost refinance rolls the fees into a higher rate or the loan balance. It is not free, but it can be the better choice for a homeowner likely to move or refinance again within a few years, because there is nothing to recoup.
When Wind Ridge, Pennsylvania Homeowners Should Wait
Refinancing rarely pays when the new rate is less than half a point below the current one, when you are more than ten years into a 30-year loan and would reset the clock, or when your credit score has dropped since the original loan. Homeowners holding a rate from 2020 to 2022 are usually better served by keeping that loan and using a home equity loan or HELOC for cash needs. Our Pennsylvania refinance rate trends above show where rates have been over the past 90 days, and the forecast gives a sense of where they may head, so you can decide whether to lock now or wait.
Frequently Asked Questions about Refinance Rates in Wind Ridge, Pennsylvania
What are home loan refinance rates in Wind Ridge, PA today?
Are refinance rates higher than purchase mortgage rates in Pennsylvania?
When does refinancing make sense in Wind Ridge, Pennsylvania?
How soon can I refinance a mortgage in Pennsylvania?
What is a rate-and-term refinance?
What is a cash-out refinance?
Does refinancing reset my 30-year term?
What are typical refinance closing costs in Pennsylvania?
What is the difference between interest rate and APR on a refinance?
Should I lock my refinance rate?
How do I find the best refinance lender in Wind Ridge, Pennsylvania?
What are the best refinance rates in Wind Ridge, Pennsylvania?
- Marion Center Bank: 6.65% (30 Year Fixed: Purchase/Refinance)
- Citizens Bank: 7.75% (30-Year Fixed Rate Mortgage Refinance)
- Hill District Federal Credit Union: 5.75% (30-Year Fixed)
- JTNB: 6.35% (Current Mortgage - 30 Year Fixed (or 360 monthly payments))
- Iron Workers SB: 6.125% (30 Year Fixed Rate)
Wind Ridge, Pennsylvania Rates & Resources
