Trends by Generations
Refinance savings held steady across generations in Q2 2026. Millennials led with about $173/month in average savings, followed by Gen X at about $165/month. Gen Z saw the largest APR reduction at about 5.35 percentage points, translating to about $146/month in savings. Baby Boomers averaged about $133/month, reflecting steady payment relief on smaller average loan balances.
Key generational trends over 12 months
| wdt_ID | wdt_created_by | wdt_created_at | wdt_last_edited_by | wdt_last_edited_at | Generation | Value | Jul-25 | Aug-25 | Sep-25 | Oct-25 | Nov-25 | Dec-25 | Jan-26 | Feb-26 | Mar-26 | Apr-26 | May-26 | Jun-26 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 253 | saadwaheedctr925900edfa | 21/07/2026 02:22 PM | saadwaheedctr925900edfa | 21/07/2026 02:22 PM | Gen Z (1995-2012) | Avg Refi Loan Amount | $29,292 | $29,257 | $29,718 | $30,357 | $30,613 | $30,024 | $30,011 | $30,545 | $30,046 | $30,029 | $30,988 | |
| 254 | saadwaheedctr925900edfa | 21/07/2026 02:22 PM | saadwaheedctr925900edfa | 21/07/2026 02:22 PM | Avg Orig APR | 13.54% | 13.15% | 12.74% | 12.79% | 12.84% | 12.36% | 12.41% | 12.25% | 12.60% | 12.85% | 13.07% | 12.94% | |
| 255 | saadwaheedctr925900edfa | 21/07/2026 02:22 PM | saadwaheedctr925900edfa | 21/07/2026 02:22 PM | Avg Refi APR | 8.06% | 7.87% | 7.80% | 7.71% | 7.60% | 7.49% | 7.42% | 7.28% | 7.41% | 7.51% | 7.64% | 7.68% | |
| 256 | saadwaheedctr925900edfa | 21/07/2026 02:22 PM | saadwaheedctr925900edfa | 21/07/2026 02:22 PM | Avg APR Point Reduction | 5.49% | 5.28% | 4.94% | 5.08% | 5.24% | 4.87% | 4.99% | 4.97% | 5.19% | 5.35% | 5.43% | 5.26% | |
| 257 | saadwaheedctr925900edfa | 21/07/2026 02:22 PM | saadwaheedctr925900edfa | 21/07/2026 02:22 PM | Orig Monthly Payment | $657 | $650 | $662 | $661 | $674 | $652 | $667 | $667 | $663 | $653 | $666 | $684 | |
| 258 | saadwaheedctr925900edfa | 21/07/2026 02:22 PM | saadwaheedctr925900edfa | 21/07/2026 02:22 PM | New Monthly Payment | $522 | $516 | $520 | $522 | $529 | $510 | $516 | $527 | $515 | $509 | $524 | $532 | |
| 259 | saadwaheedctr925900edfa | 21/07/2026 02:22 PM | saadwaheedctr925900edfa | 21/07/2026 02:22 PM | Avg Monthly Pmt Svgs | $134 | $134 | $141 | $138 | $145 | $142 | $151 | $140 | $147 | $144 | $142 | $151 | |
| 260 | saadwaheedctr925900edfa | 21/07/2026 02:22 PM | saadwaheedctr925900edfa | 21/07/2026 02:22 PM | Millennials (1980-1994) | Avg Refi Loan Amount | $34,163 | $33,567 | $34,653 | $34,940 | $35,832 | $35,532 | $35,656 | $36,383 | $35,876 | $35,094 | $36,041 | $36,253 |
| 261 | saadwaheedctr925900edfa | 21/07/2026 02:22 PM | saadwaheedctr925900edfa | 21/07/2026 02:22 PM | Avg Orig APR | 11.66% | 11.03% | 11.07% | 11.06% | 11.03% | 10.75% | 10.22% | 10.42% | 10.40% | 10.89% | 11.43% | 11.13% | |
| 262 | saadwaheedctr925900edfa | 21/07/2026 02:22 PM | saadwaheedctr925900edfa | 21/07/2026 02:22 PM | Avg Refi APR | 7.74% | 7.60% | 7.58% | 7.51% | 7.53% | 7.19% | 6.92% | 6.90% | 7.02% | 7.15% | 7.40% | 7.32% | |
| 263 | saadwaheedctr925900edfa | 21/07/2026 02:22 PM | saadwaheedctr925900edfa | 21/07/2026 02:22 PM | Avg APR Point Reduction | 3.92% | 3.42% | 3.50% | 3.55% | 3.49% | 3.56% | 3.30% | 3.52% | 3.38% | 3.74% | 4.04% | 3.81% | |
| 264 | saadwaheedctr925900edfa | 21/07/2026 02:22 PM | saadwaheedctr925900edfa | 21/07/2026 02:22 PM | Orig Monthly Payment | $756 | $738 | $755 | $755 | $774 | $762 | $765 | $788 | $776 | $761 | $779 | $772 | |
| 265 | saadwaheedctr925900edfa | 21/07/2026 02:22 PM | saadwaheedctr925900edfa | 21/07/2026 02:22 PM | New Monthly Payment | $595 | $578 | $593 | $587 | $604 | $593 | $591 | $615 | $598 | $586 | $604 | $602 | |
| 266 | saadwaheedctr925900edfa | 21/07/2026 02:22 PM | saadwaheedctr925900edfa | 21/07/2026 02:22 PM | Avg Monthly Pmt Svgs | $160 | $159 | $164 | $167 | $171 | $170 | $173 | $173 | $178 | $175 | $175 | $170 | |
| 267 | saadwaheedctr925900edfa | 21/07/2026 02:22 PM | saadwaheedctr925900edfa | 21/07/2026 02:22 PM | Gen X (1965-1979) | Avg Refi Loan Amount | $34,548 | $35,445 | $36,383 | $36,731 | $34,557 | $36,682 | $36,967 | $37,331 | $38,039 | $37,910 | $37,732 | $36,014 |
| 268 | saadwaheedctr925900edfa | 21/07/2026 02:22 PM | saadwaheedctr925900edfa | 21/07/2026 02:22 PM | Avg Orig APR | 11.42% | 11.38% | 10.91% | 10.54% | 10.97% | 10.44% | 10.40% | 10.34% | 9.77% | 10.34% | 10.92% | 11.06% | |
| 269 | saadwaheedctr925900edfa | 21/07/2026 02:22 PM | saadwaheedctr925900edfa | 21/07/2026 02:22 PM | Avg Refi APR | 7.88% | 7.72% | 7.57% | 7.35% | 7.45% | 7.25% | 7.05% | 6.99% | 6.95% | 7.02% | 7.28% | 7.38% | |
| 270 | saadwaheedctr925900edfa | 21/07/2026 02:22 PM | saadwaheedctr925900edfa | 21/07/2026 02:22 PM | Avg APR Point Reduction | 3.54% | 3.66% | 3.34% | 3.19% | 3.52% | 3.19% | 3.35% | 3.35% | 2.82% | 3.32% | 3.65% | 3.68% | |
| 271 | saadwaheedctr925900edfa | 21/07/2026 02:22 PM | saadwaheedctr925900edfa | 21/07/2026 02:22 PM | Orig Monthly Payment | $738 | $768 | $790 | $784 | $752 | $776 | $783 | $790 | $807 | $791 | $794 | $769 | |
| 272 | saadwaheedctr925900edfa | 21/07/2026 02:22 PM | saadwaheedctr925900edfa | 21/07/2026 02:22 PM | New Monthly Payment | $597 | $610 | $626 | $619 | $581 | $609 | $612 | $632 | $643 | $628 | $629 | $601 | |
| 273 | saadwaheedctr925900edfa | 21/07/2026 02:22 PM | saadwaheedctr925900edfa | 21/07/2026 02:22 PM | Avg Monthly Pmt Svgs | $140 | $157 | $166 | $167 | $170 | $166 | $171 | $157 | $163 | $162 | $165 | $168 | |
| 274 | saadwaheedctr925900edfa | 21/07/2026 02:22 PM | saadwaheedctr925900edfa | 21/07/2026 02:22 PM | Baby Boomers (1946-1964) | Avg Refi Loan Amount | $33,551 | $31,785 | $35,745 | $35,244 | $34,583 | $33,405 | $32,373 | $33,915 | $33,170 | $32,449 | $32,683 | $31,654 |
| 275 | saadwaheedctr925900edfa | 21/07/2026 02:22 PM | saadwaheedctr925900edfa | 21/07/2026 02:22 PM | Avg Orig APR | 11.31% | 11.43% | 10.40% | 9.79% | 9.98% | 10.62% | 10.11% | 9.76% | 10.25% | 10.00% | 10.62% | 10.54% | |
| 276 | saadwaheedctr925900edfa | 21/07/2026 02:22 PM | saadwaheedctr925900edfa | 21/07/2026 02:22 PM | Avg Refi APR | 7.68% | 7.68% | 7.39% | 7.11% | 7.34% | 7.03% | 7.04% | 6.90% | 7.30% | 7.14% | 7.19% | 7.41% | |
| 277 | saadwaheedctr925900edfa | 21/07/2026 02:22 PM | saadwaheedctr925900edfa | 21/07/2026 02:22 PM | Avg APR Point Reduction | 3.62% | 3.74% | 3.02% | 2.68% | 2.65% | 3.59% | 3.06% | 2.86% | 2.94% | 2.86% | 3.43% | 3.13% | |
| 278 | saadwaheedctr925900edfa | 21/07/2026 02:22 PM | saadwaheedctr925900edfa | 21/07/2026 02:22 PM | Orig Monthly Payment | $712 | $699 | $740 | $726 | $723 | $680 | $676 | $716 | $689 | $668 | $696 | $659 | |
| 279 | saadwaheedctr925900edfa | 21/07/2026 02:22 PM | saadwaheedctr925900edfa | 21/07/2026 02:22 PM | New Monthly Payment | $587 | $555 | $603 | $586 | $578 | $552 | $537 | $578 | $557 | $537 | $552 | $532 | |
| 280 | saadwaheedctr925900edfa | 21/07/2026 02:22 PM | saadwaheedctr925900edfa | 21/07/2026 02:22 PM | Avg Monthly Pmt Svgs | $123 | $141 | $142 | $140 | $145 | $128 | $139 | $138 | $135 | $131 | $143 | $126 |
