Caroline Zimmermann - Branch Manager

If you bought a home over the last few years, your refinance “strike rate” may be closer than you think.

A new LendingTree study found that nearly 1 in 3 homeowners who bought between 2023 and 2025 could potentially benefit from refinancing, with average savings estimated around $2,320 per year.

And the interesting part?

It doesn’t always take a massive rate drop for the numbers to start making sense.

Sometimes even a small improvement can help monthly cash flow, reduce high-interest debt faster, or create a little more financial breathing room.

And refinancing isn’t the only strategy worth looking at right now. If you’ve built up equity, a HELOC may also help you consolidate debt or access funds without replacing your current first mortgage.

Might be worth seeing where your personal strike rate actually is.

Study Shows How Much Homebuyers Can Save by Refinancing in 2026 - The MortgagePoint According to a recent LendingTree study, over one-third of homeowners who obtained a 30-year, fixed-rate mortgage between 2023 and 2025 might save thousands a year by refinancing at market rates seen in early April 2026.