Trends by Loan Term
Longer terms again delivered the strongest monthly savings in Q3 2026, with 84-month refinances averaging about $178/month. 72-month loans averaged about $163/month and 60-month loans about $147/month, both up from Q2, so the gap between terms narrowed. Shorter terms saw larger APR reductions, led by 48-month loans at about 6.2 points.
Key loan term trends over 12 months
APR point reduction
6.06%
Average monthly payment savings
$131/month
36 MONTHS
APR point reduction
6.36%
Average monthly payment savings
$128/month
48 MONTHS
APR point reduction
4.91%
Average monthly payment savings
$141/month
60 MONTHS
APR point reduction
4.10%
Average monthly payment savings
$159/month
72 MONTHS
APR point reduction
2.86%
Average monthly payment savings
$180/month
84 MONTHS
| wdt_ID | wdt_created_by | wdt_created_at | wdt_last_edited_by | wdt_last_edited_at | Term | Value | Oct-26 | Nov-26 | Dec-26 | Jan-26 | Feb-26 | Mar-26 | Apr-26 | May-26 | Jun-26 | Jul-26 | Aug-26 | Sep-26 | Grand Total |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 316 | saadwaheedctr925900edfa | 07/10/2026 10:19 AM | saadwaheedctr925900edfa | 07/10/2026 10:19 AM | 36 months | Avg Refi Loan Amount | $17,405 | $17,383 | $16,812 | $16,306 | $16,853 | $16,846 | $15,667 | $16,430 | $14,653 | $19,281 | $18,994 | $20,974 | $17,164 |
| 317 | saadwaheedctr925900edfa | 07/10/2026 10:19 AM | saadwaheedctr925900edfa | 07/10/2026 10:19 AM | Avg Orig APR | 12.11% | 13.27% | 13.28% | 14.15% | 13.13% | 15.39% | 15.26% | 13.53% | 16.12% | 10.88% | 13.12% | 11.67% | 13.59% | |
| 318 | saadwaheedctr925900edfa | 07/10/2026 10:19 AM | saadwaheedctr925900edfa | 07/10/2026 10:19 AM | Avg Refi APR | 7.24% | 7.42% | 7.45% | 8.12% | 7.26% | 7.46% | 7.62% | 7.11% | 7.90% | 6.75% | 7.69% | 7.30% | 7.44% | |
| 319 | saadwaheedctr925900edfa | 07/10/2026 10:19 AM | saadwaheedctr925900edfa | 07/10/2026 10:19 AM | Avg APR Reduction | 4.88% | 5.85% | 5.83% | 6.02% | 5.87% | 7.93% | 7.64% | 6.42% | 8.22% | 4.13% | 5.43% | 4.36% | 6.14% | |
| 320 | saadwaheedctr925900edfa | 07/10/2026 10:19 AM | saadwaheedctr925900edfa | 07/10/2026 10:19 AM | Orig Monthly Payment | $680 | $681 | $636 | $599 | $621 | $628 | $575 | $608 | $594 | $718 | $779 | $734 | $649 | |
| 321 | saadwaheedctr925900edfa | 07/10/2026 10:19 AM | saadwaheedctr925900edfa | 07/10/2026 10:19 AM | New Monthly Payment | $529 | $533 | $511 | $498 | $510 | $511 | $476 | $501 | $451 | $584 | $577 | $630 | $522 | |
| 322 | saadwaheedctr925900edfa | 07/10/2026 10:19 AM | saadwaheedctr925900edfa | 07/10/2026 10:19 AM | Avg Monthly Pmt Svgs | $150 | $148 | $124 | $101 | $111 | $116 | $98 | $107 | $143 | $133 | $201 | $144 | $129 | |
| 323 | saadwaheedctr925900edfa | 07/10/2026 10:19 AM | saadwaheedctr925900edfa | 07/10/2026 10:19 AM | 48 months | Avg Refi Loan Amount | $23,035 | $21,225 | $22,746 | $22,231 | $24,541 | $23,238 | $20,744 | $22,402 | $22,719 | $24,488 | $22,631 | $22,863 | $22,729 |
| 324 | saadwaheedctr925900edfa | 07/10/2026 10:19 AM | saadwaheedctr925900edfa | 07/10/2026 10:19 AM | Avg Orig APR | 13.41% | 15.07% | 12.81% | 13.17% | 12.72% | 12.76% | 14.50% | 14.98% | 14.75% | 13.42% | 13.51% | 14.31% | 13.80% | |
| 325 | saadwaheedctr925900edfa | 07/10/2026 10:19 AM | saadwaheedctr925900edfa | 07/10/2026 10:19 AM | Avg Refi APR | 7.14% | 7.73% | 7.44% | 7.25% | 7.07% | 7.23% | 7.49% | 7.68% | 7.64% | 7.46% | 7.38% | 7.67% | 7.43% | |
| 326 | saadwaheedctr925900edfa | 07/10/2026 10:19 AM | saadwaheedctr925900edfa | 07/10/2026 10:19 AM | Avg APR Reduction | 6.27% | 7.34% | 5.37% | 5.93% | 5.66% | 5.53% | 7.01% | 7.31% | 7.11% | 5.96% | 6.13% | 6.65% | 6.36% | |
| 327 | saadwaheedctr925900edfa | 07/10/2026 10:19 AM | saadwaheedctr925900edfa | 07/10/2026 10:19 AM | Orig Monthly Payment | $659 | $622 | $663 | $663 | $672 | $714 | $625 | $662 | $647 | $703 | $676 | $701 | $668 | |
| 328 | saadwaheedctr925900edfa | 07/10/2026 10:19 AM | saadwaheedctr925900edfa | 07/10/2026 10:19 AM | New Monthly Payment | $547 | $508 | $540 | $526 | $577 | $546 | $493 | $536 | $538 | $578 | $537 | $546 | $539 | |
| 329 | saadwaheedctr925900edfa | 07/10/2026 10:19 AM | saadwaheedctr925900edfa | 07/10/2026 10:19 AM | Avg Monthly Pmt Svgs | $111 | $114 | $123 | $139 | $98 | $167 | $131 | $126 | $108 | $125 | $139 | $154 | $129 | |
| 330 | saadwaheedctr925900edfa | 07/10/2026 10:19 AM | saadwaheedctr925900edfa | 07/10/2026 10:19 AM | 60 months | Avg Refi Loan Amount | $27,996 | $28,813 | $27,412 | $29,294 | $30,590 | $29,761 | $28,380 | $28,907 | $28,021 | $28,492 | $29,077 | $27,005 | $28,739 |
| 331 | saadwaheedctr925900edfa | 07/10/2026 10:19 AM | saadwaheedctr925900edfa | 07/10/2026 10:19 AM | Avg Orig APR | 12.67% | 12.18% | 12.19% | 11.35% | 11.07% | 11.35% | 11.77% | 12.78% | 12.56% | 11.94% | 12.11% | 12.47% | 12.00% | |
| 332 | saadwaheedctr925900edfa | 07/10/2026 10:19 AM | saadwaheedctr925900edfa | 07/10/2026 10:19 AM | Avg Refi APR | 7.49% | 7.49% | 7.22% | 6.84% | 6.79% | 6.88% | 7.03% | 7.31% | 7.29% | 6.94% | 7.02% | 7.21% | 7.10% | |
| 333 | saadwaheedctr925900edfa | 07/10/2026 10:19 AM | saadwaheedctr925900edfa | 07/10/2026 10:19 AM | Avg APR Reduction | 5.18% | 4.69% | 4.97% | 4.51% | 4.29% | 4.47% | 4.74% | 5.47% | 5.28% | 4.99% | 5.09% | 5.26% | 4.90% | |
| 334 | saadwaheedctr925900edfa | 07/10/2026 10:19 AM | saadwaheedctr925900edfa | 07/10/2026 10:19 AM | Orig Monthly Payment | $686 | $710 | $677 | $714 | $721 | $710 | $694 | $708 | $685 | $700 | $704 | $673 | $700 | |
| 335 | saadwaheedctr925900edfa | 07/10/2026 10:19 AM | saadwaheedctr925900edfa | 07/10/2026 10:19 AM | New Monthly Payment | $551 | $566 | $536 | $566 | $589 | $575 | $551 | $566 | $547 | $551 | $565 | $526 | $559 | |
| 336 | saadwaheedctr925900edfa | 07/10/2026 10:19 AM | saadwaheedctr925900edfa | 07/10/2026 10:19 AM | Avg Monthly Pmt Svgs | $133 | $144 | $140 | $147 | $131 | $134 | $143 | $143 | $137 | $149 | $142 | $147 | $141 | |
| 337 | saadwaheedctr925900edfa | 07/10/2026 10:19 AM | saadwaheedctr925900edfa | 07/10/2026 10:19 AM | 72 months | Avg Refi Loan Amount | $33,483 | $31,692 | $32,237 | $32,317 | $33,970 | $33,433 | $31,324 | $32,736 | $32,585 | $32,237 | $31,402 | $30,099 | $32,271 |
| 338 | saadwaheedctr925900edfa | 07/10/2026 10:19 AM | saadwaheedctr925900edfa | 07/10/2026 10:19 AM | Avg Orig APR | 11.47% | 11.84% | 11.42% | 11.09% | 10.97% | 11.04% | 11.87% | 12.22% | 12.20% | 11.89% | 11.70% | 12.05% | 11.68% | |
| 339 | saadwaheedctr925900edfa | 07/10/2026 10:19 AM | saadwaheedctr925900edfa | 07/10/2026 10:19 AM | Avg Refi APR | 7.51% | 7.64% | 7.45% | 7.27% | 7.08% | 7.25% | 7.54% | 7.71% | 7.81% | 7.81% | 7.71% | 7.82% | 7.57% | |
| 340 | saadwaheedctr925900edfa | 07/10/2026 10:19 AM | saadwaheedctr925900edfa | 07/10/2026 10:19 AM | Avg APR Reduction | 3.96% | 4.20% | 3.97% | 3.82% | 3.89% | 3.79% | 4.33% | 4.51% | 4.39% | 4.08% | 3.98% | 4.22% | 4.11% | |
| 341 | saadwaheedctr925900edfa | 07/10/2026 10:19 AM | saadwaheedctr925900edfa | 07/10/2026 10:19 AM | Orig Monthly Payment | $727 | $703 | $699 | $708 | $732 | $725 | $689 | $720 | $719 | $713 | $699 | $682 | $710 | |
| 342 | saadwaheedctr925900edfa | 07/10/2026 10:19 AM | saadwaheedctr925900edfa | 07/10/2026 10:19 AM | New Monthly Payment | $572 | $543 | $550 | $547 | $571 | $565 | $535 | $563 | $559 | $551 | $537 | $517 | $551 | |
| 343 | saadwaheedctr925900edfa | 07/10/2026 10:19 AM | saadwaheedctr925900edfa | 07/10/2026 10:19 AM | Avg Monthly Pmt Svgs | $156 | $160 | $151 | $161 | $160 | $159 | $153 | $157 | $160 | $162 | $162 | $164 | $159 | |
| 344 | saadwaheedctr925900edfa | 07/10/2026 10:19 AM | saadwaheedctr925900edfa | 07/10/2026 10:19 AM | 84 months | Avg Refi Loan Amount | $38,962 | $40,662 | $40,220 | $40,350 | $41,175 | $40,350 | $41,291 | $40,974 | $41,135 | $40,354 | $39,532 | $39,224 | $40,339 |
| 345 | saadwaheedctr925900edfa | 07/10/2026 10:19 AM | saadwaheedctr925900edfa | 07/10/2026 10:19 AM | Avg Orig APR | 10.27% | 10.18% | 10.03% | 9.80% | 9.94% | 9.79% | 9.72% | 10.19% | 9.89% | 9.74% | 10.15% | 10.08% | 9.97% | |
| 346 | saadwaheedctr925900edfa | 07/10/2026 10:19 AM | saadwaheedctr925900edfa | 07/10/2026 10:19 AM | Avg Refi APR | 7.51% | 7.40% | 7.12% | 6.97% | 7.06% | 7.08% | 6.96% | 7.15% | 7.04% | 6.97% | 7.08% | 7.10% | 7.11% | |
| 347 | saadwaheedctr925900edfa | 07/10/2026 10:19 AM | saadwaheedctr925900edfa | 07/10/2026 10:19 AM | Avg APR Reduction | 2.76% | 2.79% | 2.90% | 2.83% | 2.88% | 2.71% | 2.75% | 3.03% | 2.85% | 2.77% | 3.07% | 2.98% | 2.86% | |
| 348 | saadwaheedctr925900edfa | 07/10/2026 10:19 AM | saadwaheedctr925900edfa | 07/10/2026 10:19 AM | Orig Monthly Payment | $771 | $800 | $786 | $789 | $805 | $793 | $803 | $804 | $801 | $784 | $777 | $764 | $789 | |
| 349 | saadwaheedctr925900edfa | 07/10/2026 10:19 AM | saadwaheedctr925900edfa | 07/10/2026 10:19 AM | New Monthly Payment | $596 | $621 | $608 | $606 | $620 | $609 | $620 | $620 | $619 | $605 | $595 | $592 | $609 | |
| 350 | saadwaheedctr925900edfa | 07/10/2026 10:19 AM | saadwaheedctr925900edfa | 07/10/2026 10:19 AM | Avg Monthly Pmt Svgs | $174 | $179 | $177 | $182 | $184 | $185 | $183 | $184 | $182 | $178 | $182 | $172 | $180 |
