National Trends Full Report
Data updated quarterly
Avg Original APRAvg refinance APRAvg Orig Monthly PaymentAvg Monthly Payment
Caribou customers saved an average of $165/month in Q3 2026*, up from $162 in Q2. Savings were steady across all three months, at $164 in July, $166 in August, and $164 in September.
| wdt_ID | wdt_created_by | wdt_created_at | wdt_last_edited_by | wdt_last_edited_at | Average Rates & Payments | Oct-26 | Nov-26 | Dec-26 | Jan-26 | Feb-26 | Mar-26 | Apr-26 | May-26 | Jun-26 | Jul-26 | Aug-26 | Sep-26 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 92 | saadwaheedctr925900edfa | 07/10/2026 10:12 AM | saadwaheedctr925900edfa | 07/10/2026 10:12 AM | Avg Refi Loan Amount | $34,244 | $34,065 | $34,214 | $34,270 | $34,818 | $34,683 | $34,007 | $34,617 | $34,506 | $34,647 | $33,793 | $33,217 |
| 93 | saadwaheedctr925900edfa | 07/10/2026 10:12 AM | saadwaheedctr925900edfa | 07/10/2026 10:12 AM | Avg Orig APR | 11.26% | 11.38% | 11.08% | 10.80% | 10.84% | 10.80% | 11.23% | 11.69% | 11.52% | 11.09% | 11.26% | 11.37% |
| 94 | saadwaheedctr925900edfa | 07/10/2026 10:12 AM | saadwaheedctr925900edfa | 07/10/2026 10:12 AM | Avg Refi APR | 7.49% | 7.51% | 7.27% | 7.08% | 7.02% | 7.13% | 7.22% | 7.42% | 7.43% | 7.30% | 7.31% | 7.41% |
| 95 | saadwaheedctr925900edfa | 07/10/2026 10:12 AM | saadwaheedctr925900edfa | 07/10/2026 10:12 AM | Avg APR Reduction | 3.77% | 3.86% | 3.81% | 3.72% | 3.82% | 3.68% | 4.02% | 4.27% | 4.09% | 3.78% | 3.95% | 3.96% |
| 96 | saadwaheedctr925900edfa | 07/10/2026 10:12 AM | saadwaheedctr925900edfa | 07/10/2026 10:12 AM | Orig Monthly Payment | $736 | $739 | $730 | $738 | $750 | $748 | $731 | $747 | $740 | $741 | $733 | $717 |
| 97 | saadwaheedctr925900edfa | 07/10/2026 10:12 AM | saadwaheedctr925900edfa | 07/10/2026 10:12 AM | New Monthly Payment | $578 | $577 | $572 | $573 | $592 | $584 | $570 | $585 | $579 | $576 | $568 | $553 |
| 98 | saadwaheedctr925900edfa | 07/10/2026 10:12 AM | saadwaheedctr925900edfa | 07/10/2026 10:12 AM | Avg Monthly Pmt Svgs | $158 | $162 | $158 | $164 | $157 | $164 | $160 | $162 | $161 | $164 | $165 | $163 |
