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.
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%.
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National lenders are shown for now. Choose your state to apply lender availability checks and include eligible local coverage where available.
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.
Home Loans: compare purchase mortgages, refinances, HELOCs, and home equity loans. Auto and personal loans are separated into their own categories above.
| Lender & product | Rate | APR | Points | Verified | |
|---|---|---|---|---|---|
Veterans United Home Loans15-year fixedPurchase mortgageNationalLenderhigh confidenceTerms & assumptionscarried 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 confidenceTerms & assumptionsCredit: 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 confidenceTerms & assumptionscarried 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 confidenceTerms & assumptionsCredit: 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 confidenceTerms & assumptionscarried 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 confidenceTerms & assumptionscarried 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 confidenceTerms & assumptionsCredit: 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 confidenceTerms & assumptionsverified 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 confidenceTerms & assumptionsCredit: 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 confidenceTerms & assumptionsverified 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 confidenceTerms & assumptionsCredit: 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 confidenceTerms & assumptionsverified 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
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.
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. 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.