Verified public rates, one comparison

Published loan rates. All in one place.

We consolidate publicly published rates from banks and credit unions across home, auto, and personal loans, then verify them daily against the lenders’ own pages. We earn clearly disclosed commissions from partners, and product placement may reflect commercial relationships.

437Banks, credit unions & lenders tracked

2,239Published rate observations

DailyVerification against lender pages

National averages · Oct 13, 2026

Advertised 30-yr rates beat the national average

LoanMate's median advertised 30-year fixed rate is 7.00% across 124 lenders checked today — 40 bp below Freddie Mac's 7.40% weekly average. The bottom quartile of lenders advertises under 6.75%.

See national averages, the full spread, and rate charts →

Select your state

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

Borrower state

Consolidated published rates

Purchase mortgage rates

Compare rates from public lender pages in one table. Every result is labeled by loan type and links back to its lender source. Published assumptions differ; open each source before relying on a quote.

Verified comparison inventory: 78 eligible observations.

13Purchase mortgage

10Refinance

1HELOC

0Home equity loan

30Auto loan

24Personal 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 Source file match: verified · loaded rows carrying stale/prior markers: 0 · superseded DCU rows loaded: 0.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.

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. Featured placement may reflect commercial relationships. Data verification remains separate from those relationships. Full methodology

Purchase mortgageHome-lending rates only · dataset refreshed October 9, 2026

Lender & product	Rate	APR	Points	Verified
Veterans United Home Loans15-year fixedPurchase mortgageNationalLenderhigh confidence Terms & assumptions carried forward 2026-10-13 (agent-verified 2026-10-12; values identical in today's fetch)	5.875%	6.656%	1.938	2026-10-13	Source ↗
Navy Federal Credit Union15-year fixedPurchase mortgageNationalCredit unionhigh confidence Terms & assumptions Credit: 720 FICO, 20% down · carried forward 2026-10-13 (agent-verified 2026-10-12; values identical in today's fetch)	6.375%	6.614%	0.5	2026-10-13	Source ↗
Bethpage Federal Credit Union5/1 ARMPurchase mortgageNationalCredit unionhigh confidence Terms & assumptions carried forward 2026-10-13 (agent-verified 2026-10-12; values identical in today's fetch)	6.625%Rate may increase after the fixed period.	6.953%	Not listed	2026-10-13	Source ↗
NASA Federal Credit Union15-year fixedPurchase mortgageNationalCredit unionhigh confidence Terms & assumptions Credit: 720+ assumed · carried forward 2026-10-13 (agent-verified 2026-10-12; values identical in today's fetch)	6.75%	7.022%	Not listed	2026-10-13	Source ↗
Veterans United Home Loans30-year fixedPurchase mortgageNationalLenderhigh confidence Terms & assumptions carried forward 2026-10-13 (agent-verified 2026-10-12; values identical in today's fetch)	6.75%	7.23%	1.813	2026-10-13	Source ↗
Veterans United Home Loans20-year fixedPurchase mortgageNationalLenderhigh confidence Terms & assumptions carried forward 2026-10-13 (agent-verified 2026-10-12; values identical in today's fetch)	6.75%	7.377%	1.813	2026-10-13	Source ↗
Veterans United Home Loans30-year fixedPurchase mortgageNationalLenderhigh confidence Terms & assumptions Credit: conforming limit exceeded · carried forward 2026-10-13 (agent-verified 2026-10-12; values identical in today's fetch)	6.875%	7.328%	1.5	2026-10-13	Source ↗
Bethpage Federal Credit Union15-year fixedPurchase mortgageNationalCredit unionhigh confidence Terms & assumptions verified 2026-10-13 on live purchase page (fourleaffcu.com/personal/fixed-rate-mortgage): 15FP values unchanged vs 2026-10-12; free 60-day lock; no effective date ('Rates as of --/--/----'); purchase-table assumption	7%	7.153%	Not listed	2026-10-13	Source ↗
Navy Federal Credit Union30-year fixedPurchase mortgageNationalCredit unionhigh confidence Terms & assumptions Credit: 780 FICO, 25% down · carried forward 2026-10-13 (agent-verified 2026-10-12; values identical in today's fetch)	7%	7.189%	0.875	2026-10-13	Source ↗
Bethpage Federal Credit Union10-year fixedPurchase mortgageNationalCredit unionhigh confidence Terms & assumptions verified 2026-10-13 on live purchase page (fourleaffcu.com/personal/fixed-rate-mortgage): 10FP values unchanged vs 2026-10-12; free 60-day lock; no effective date ('Rates as of --/--/----'); purchase-table assumption	7.25%	7.466%	Not listed	2026-10-13	Source ↗
NASA Federal Credit Union30-year fixedPurchase mortgageNationalCredit unionhigh confidence Terms & assumptions Credit: 720+ assumed · carried forward 2026-10-13 (agent-verified 2026-10-12; values identical in today's fetch)	7.25%	7.424%	Not listed	2026-10-13	Source ↗
Bethpage Federal Credit Union20-year fixedPurchase mortgageNationalCredit unionhigh confidence Terms & assumptions verified 2026-10-13 on live purchase page (fourleaffcu.com/personal/fixed-rate-mortgage): 20FP values unchanged vs 2026-10-12; free 60-day lock; no effective date ('Rates as of --/--/----'); purchase-table assumption	7.375%	7.5%	Not listed	2026-10-13	Source ↗

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

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

Rates last refreshed 2026-10-13 · data as of 2026-10-13

313Lenders added today

313Added this week

437Added this month

437Added this year

437Total lenders tracked

2,239Total rate observations

Why LoanMate exists

Our aim and purpose: democratized transparency

LoanMate makes lender-published rates easier to compare. Instead of visiting lender sites one by one, you can review consolidated home, auto, and personal loan pricing alongside tools that compare the Loan Estimates you actually receive.

We verify the underlying rate data daily against lenders’ own published pages. We also earn clearly disclosed commissions from partners, and product placement may reflect commercial relationships. Data verification is separate from those relationships.

Please read this carefully

Rates change constantly. Rates can vary by lender and by the hour or the day. What you see here reflects what the lender advertised on the "last verified" date shown next to each listing.
All rates, fees, and costs are set by the lender — not by us. Confirm every detail directly with the lender before you apply or make any decision. Nothing on this site is a quote, an offer, or a guarantee of approval.
We earn partner commissions. Compensation may influence which products are featured and where they appear. Sponsored placements and affiliate links are disclosed.
We aggregate publicly available information. We are not responsible for the accuracy of information posted on any lender's website.
Do your own due diligence. Reach out to the lender for the specifics of your rates and costs before moving forward.

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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. LoanMate.ai is an information publisher, not a lender or loan broker. We may earn commissions when you apply through partner links, but we do not sell your personal data. Product placement may reflect commercial relationships.

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.

Published loan rates. All in one place.

Advertised 30-yr rates beat the national average

Start with today’s consolidated home-loan rates

Select your state

Purchase mortgage rates

Our aim and purpose: democratized transparency

Four ways to use your equity

Buy a home

Refinance

Open a HELOC

Borrow a lump sum

Common questions