LoanMate — Saves You Money

Select your state

National lenders are shown for now. Choose your state to apply lender availability checks and include eligible local coverage where available.

Nationwide rate shopping

Date the rate. Play the field.

We don’t sell you a loan. We show you who’s advertising competitive home, auto, and personal loan pricing — from public lender pages, without a lead form.

Rate snapshot · dataset refreshed October 8, 2026

Browse public home-loan rates

Home Loans: purchase mortgages, refinances, HELOCs, and home equity loans. Auto and personal loans are available in their own comparison categories below.

Got Loan Estimates? Compare them →

ZIP is used to select your state and apply lender availability filters; credit band is context only. No contact details requested.

Why LoanMate exists

Our aim and purpose: democratized transparency

LoanMate exists to democratize transparency among lenders and financial institutions. Instead of reaching out to multiple lenders one by one to request rates, consumers can compare and shop lenders side by side, in one location.

What we show you is what the lenders themselves publish on their own websites — consolidated into one place so you can see it for yourself and decide which bank, credit union, or lender is the best fit for you.

We add lenders and re-check rates every day, so you always see the freshest offers on the market.

Rates last refreshed 2026-10-08 · data as of 2026-10-08

0Lenders added today
0Added this week
124Added this month
124Added this year
124Total lenders tracked
1,429Total rate observations

Public observations

Purchase mortgage rates

Choose a loan type and term, then sort rates from public lender pages. Every result is labeled by loan type so unlike products do not blur together. Published assumptions differ; open each source before relying on a quote.

Verified comparison inventory: 106 eligible observations.
27Purchase mortgage
16Refinance
1HELOC
0Home equity loan
35Auto loan
27Personal loan
Post-filter totals after state eligibility, freshness, confidence, source-link and numeric-value checks. Source file match: verified · loaded rows carrying stale/prior markers: 0 · superseded DCU rows loaded: 0.

Home Loans: compare purchase mortgages, refinances, HELOCs, and home equity loans. Auto and personal loans are separated into their own categories above.

Product & termTick one or more terms to compare them side by side — or keep Best pricing overall to see every term together.
27 verified purchase mortgage observations
How this table works. Rows are filtered by state eligibility and sorted only by the selected criterion. Rate and annual percentage rate (APR) come from public lender pages; points, fees, credit, LTV and other assumptions differ. Payment amounts are intentionally not shown in comparison tables. Organic order is never influenced by compensation. Full methodology
Purchase mortgageHome-lending rates only · dataset refreshed October 8, 2026
Lender & productRateAPRPointsVerified
Veterans United Home Loans15-year fixedPurchase mortgageVANationalLenderhigh confidence
Terms & assumptions

agent-verified 2026-10-08 against lender rate page (snapshot-context check); valid as of Oct 7th, 2026 6:02 PM CST; owner-occupied primary residence; VA loans; 720 credit score; VA funding fee included; 15yr fixed VA purchase; unchanged

5.99%6.774%1.9382026-10-08Source ↗
Navy Federal Credit Union3/5 ARMPurchase mortgageJumboNationalCredit unionhigh confidence
Terms & assumptions

carried forward 2026-10-07 (agent-verified 2026-10-06; values identical in today's fetch) against lender rate page (snapshot-context check); rates as of Oct 06, 2026 ET; purchase: single-family primary residence; conforming and jumbo same rate/APR/points

6%Rate may increase after the fixed period.6.865%0.252026-10-07Source ↗
Navy Federal Credit Union15-year fixedPurchase mortgageNationalCredit unionhigh confidence
Terms & assumptions

carried forward 2026-10-07 (agent-verified 2026-10-06; values identical in today's fetch) against lender rate page (snapshot-context check); rates as of Oct 06, 2026 ET; purchase: single-family primary residence; VA 15yr

6.25%6.961%0.52026-10-07Source ↗
Navy Federal Credit Union5/5 ARMPurchase mortgageJumboNationalCredit unionhigh confidence
Terms & assumptions

carried forward 2026-10-07 (agent-verified 2026-10-06; values identical in today's fetch) against lender rate page (snapshot-context check); rates as of Oct 06, 2026 ET; purchase: single-family primary residence; conforming and jumbo same rate/APR/points

6.25%Rate may increase after the fixed period.6.825%0.252026-10-07Source ↗
Navy Federal Credit Union15-year fixedPurchase mortgageConventionalNationalCredit unionhigh confidence
Terms & assumptions

carried forward 2026-10-07 (agent-verified 2026-10-06; values identical in today's fetch) against lender rate page (snapshot-context check); rates as of Oct 06, 2026 ET; purchase: single-family primary residence; conventional; 720 FICO, 20% down

6.375%6.614%0.52026-10-07Source ↗
Navy Federal Credit Union30-year fixedPurchase mortgageNationalCredit unionhigh confidence
Terms & assumptions

carried forward 2026-10-07 (agent-verified 2026-10-06; values identical in today's fetch) against lender rate page (snapshot-context check); rates as of Oct 06, 2026 ET; purchase: single-family primary residence; VA 30yr

6.625%7.098%0.752026-10-07Source ↗
Bethpage Federal Credit Union5/1 ARMPurchase mortgageNationalCredit unionhigh confidence
Terms & assumptions

agent-verified 2026-10-08 against lender rate page (snapshot-context check); refi 5/1 ARM APR 6.980->7.004; rate 6.750 unchanged

6.75%Rate may increase after the fixed period.7.004%Not listed2026-10-08Source ↗
NASA Federal Credit Union15-year fixedPurchase mortgageConventionalNationalCredit unionhigh confidence
Terms & assumptions

carried forward 2026-10-07 (agent-verified 2026-10-06; values identical in today's fetch) against lender rate page (snapshot-context check); effective Oct 5, 2026; 0 points; 1% loan origination fee excluded from quotes; conventional 15yr

6.75%7.022%Not listed2026-10-07Source ↗
Veterans United Home Loans30-year fixedPurchase mortgageVANationalLenderhigh confidence
Terms & assumptions

agent-verified 2026-10-08 against lender rate page (snapshot-context check); valid as of Oct 7th, 2026 6:02 PM CST; owner-occupied primary residence; VA loans; 720 credit score; VA funding fee included; 30yr fixed VA purchase

6.875%7.358%1.8132026-10-08Source ↗
Veterans United Home Loans20-year fixedPurchase mortgageVANationalLenderhigh confidence
Terms & assumptions

agent-verified 2026-10-08 against lender rate page (snapshot-context check); valid as of Oct 7th, 2026 6:02 PM CST; owner-occupied primary residence; VA loans; 720 credit score; VA funding fee included; 20yr fixed VA purchase

6.875%7.505%1.8132026-10-08Source ↗
Veterans United Home Loans30-year fixedPurchase mortgageVANationalLenderhigh confidence
Terms & assumptions

agent-verified 2026-10-08 against lender rate page (snapshot-context check); valid as of Oct 7th, 2026 6:02 PM CST; owner-occupied primary residence; VA loans; 720 credit score; VA funding fee included; 30yr fixed VA jumbo purchase

6.875%7.352%1.752026-10-08Source ↗
Navy Federal Credit Union15-year fixedPurchase mortgageJumboNationalCredit unionhigh confidence
Terms & assumptions

carried forward 2026-10-07 (agent-verified 2026-10-06; values identical in today's fetch) against lender rate page (snapshot-context check); rates as of Oct 06, 2026 ET; purchase: single-family primary residence; jumbo

6.875%7.118%0.52026-10-07Source ↗

No payment amount is shown in this comparison table. Confirm the current annual percentage rate, repayment terms, fees and eligibility directly with the lender.

APR-only observations (1)

These lenders published an APR but not the underlying note rate, so they are not ranked in the rate leaderboard.

How this table works. Rows are filtered by state eligibility and sorted only by the selected criterion. Rate and annual percentage rate (APR) come from public lender pages; points, fees, credit, LTV and other assumptions differ. Payment amounts are intentionally not shown in comparison tables. Organic order is never influenced by compensation. Full methodology
Purchase mortgageHome-lending rates only · dataset refreshed October 8, 2026
Lender & productRateAPRVerified
Truist20-year fixedPurchase mortgageNationalRate not published13.85%2026-10-08Source ↗

Browse by goal

Four ways to use your equity

Buy a home

Fixed and adjustable purchase mortgages.Compare mortgage rates →

Refinance

Genuine refi rates separated from purchase-table assumptions.Compare refinance →

Open a HELOC

Variable lines, intro periods and post-intro pricing.Compare HELOCs →

Borrow a lump sum

Fixed home equity loans with set terms.Compare home equity →

Common questions

How does LoanMate.ai verify loan rates?

We collect loan-rate figures every day directly from lenders’ own published rate pages, then check them against plausibility ranges before they appear. Every rate row shows its own last-verified date and links to the lender’s source page so you can confirm it yourself. Stale or low-confidence observations are kept out of the rankings.

Does LoanMate.ai sell my information to lenders?

No. We are an independent comparison publisher, not a lender or lead broker. We never ask for your name, email, or phone number, and we never sell leads or send your details to lenders. Rankings follow only the criteria you select — no lender can pay to rank higher.

Are the rates on this site binding offers?

No. Rates vary by lender and can change frequently. Everything here is publicly advertised information from the listed verification date — not a quote, offer, or approval guarantee. Confirm current pricing, fees and eligibility directly with the lender before applying.