National Trends Full Report
Data updated quarterly
Avg Original APRAvg refinance APRAvg Orig Monthly PaymentAvg Monthly Payment
Caribou customers who refinanced in Q2 2026 continued to see strong monthly payment savings, averaging about $162 per month. Savings stayed tightly clustered between $161 and $162 from April through June, showing that refinance value remained consistent even as refinance APRs moved higher during the quarter.
| wdt_ID | wdt_created_by | wdt_created_at | wdt_last_edited_by | wdt_last_edited_at | Average Rates & Payments | Jul-25 | Aug-25 | Sep-25 | Oct-25 | Nov-25 | Dec-25 | Jan-26 | Feb-26 | Mar-26 | Apr-26 | May-26 | Jun-26 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 85 | saadwaheedctr925900edfa | 21/07/2026 02:15 PM | saadwaheedctr925900edfa | 21/07/2026 02:15 PM | Avg Refi Loan Amount | $32,767 | $32,781 | $33,773 | $34,246 | $34,081 | $34,211 | $34,268 | $34,823 | $34,679 | $34,007 | $34,625 | $34,504 |
| 86 | saadwaheedctr925900edfa | 21/07/2026 02:15 PM | saadwaheedctr925900edfa | 21/07/2026 02:15 PM | Avg Orig APR | 12.13% | 11.68% | 11.44% | 11.25% | 11.37% | 11.08% | 10.80% | 10.84% | 10.80% | 11.23% | 11.69% | 11.53% |
| 87 | saadwaheedctr925900edfa | 21/07/2026 02:15 PM | saadwaheedctr925900edfa | 21/07/2026 02:15 PM | Avg Refi APR | 7.86% | 7.70% | 7.62% | 7.49% | 7.51% | 7.27% | 7.08% | 7.02% | 7.13% | 7.22% | 7.42% | 7.43% |
| 88 | saadwaheedctr925900edfa | 21/07/2026 02:15 PM | saadwaheedctr925900edfa | 21/07/2026 02:15 PM | AVG APR POINT REDUCTION | 4.28% | 3.98% | 3.82% | 3.76% | 3.86% | 3.81% | 3.72% | 3.82% | 3.68% | 4.02% | 4.27% | 4.10% |
| 89 | saadwaheedctr925900edfa | 21/07/2026 02:15 PM | saadwaheedctr925900edfa | 21/07/2026 02:15 PM | Orig Monthly Payment | $720 | $720 | $737 | $736 | $739 | $730 | $737 | $750 | $748 | $731 | $747 | $741 |
| 90 | saadwaheedctr925900edfa | 21/07/2026 02:15 PM | saadwaheedctr925900edfa | 21/07/2026 02:15 PM | New Monthly Payment | $574 | $568 | $581 | $578 | $577 | $572 | $572 | $592 | $584 | $570 | $585 | $579 |
| 91 | saadwaheedctr925900edfa | 21/07/2026 02:15 PM | saadwaheedctr925900edfa | 21/07/2026 02:15 PM | Avg Monthly Pmt Svgs | $146 | $151 | $157 | $158 | $162 | $158 | $164 | $157 | $164 | $160 | $162 | $161 |
