Rate movers
This week's biggest rate moves
The largest changes in lender-published rates between October 9, 2026 and October 16, 2026, tracked daily by LoanMate.ai across 436 lenders. Only like-for-like published rates for the same lender and product are compared.
Biggest rate drops (Oct 9 → Oct 16, 2026)
| Lender | Product | Oct 9 | Oct 16 | Change |
|---|---|---|---|---|
| Hanscom Federal Credit Union | 10-year fixed | 7% | 6.375% | -0.625 pts |
| Bethpage Federal Credit Union | 20-year fixed | 7.5% | 7% | -0.5 pts |
| Hanscom Federal Credit Union | 20-year fixed | 7% | 6.5% | -0.5 pts |
| Naveo Credit Union | 20-year fixed | 7.375% | 6.875% | -0.5 pts |
| Align Credit Union | 20-year fixed | 7.25% | 6.875% | -0.375 pts |
| Align Credit Union | 20FR | 7.25% | 6.875% | -0.375 pts |
| Bethpage Federal Credit Union | 10-year fixed | 7.375% | 7% | -0.375 pts |
| Bethpage Federal Credit Union | 30-year fixed | 7.5% | 7.125% | -0.375 pts |
| Naveo Credit Union | 30-year fixed refinance | 7.25% | 6.875% | -0.375 pts |
| Bethpage Federal Credit Union | 15-year fixed | 7.125% | 6.875% | -0.25 pts |
| Bethpage Federal Credit Union | 5/1 ARM | 6.625% | 6.375% | -0.25 pts |
| Cornerstone Bank | HELOC · FRA 20yr | 7% | 6.75% | -0.25 pts |
| Hanscom Federal Credit Union | 15-year fixed | 6.625% | 6.375% | -0.25 pts |
| Hanscom Federal Credit Union | 30-year fixed | 7.125% | 6.875% | -0.25 pts |
| Hanscom Federal Credit Union | 30-year fixed refinance | 7.5% | 7.25% | -0.25 pts |
| Harvard Federal Credit Union | 15-year fixed | 7% | 6.75% | -0.25 pts |
| Harvard Federal Credit Union | 15-year fixed refinance | 7% | 6.75% | -0.25 pts |
| Harvard Federal Credit Union | 30-year fixed | 7.375% | 7.125% | -0.25 pts |
| Harvard Federal Credit Union | 30-year fixed refinance | 7.375% | 7.125% | -0.25 pts |
| Naveo Credit Union | 10-year fixed | 6.875% | 6.625% | -0.25 pts |
| NBT Bank | 10/6 ARM | 6.875% | 6.625% | -0.25 pts |
| NBT Bank | 15-year fixed | 6.875% | 6.625% | -0.25 pts |
| NBT Bank | 20-year fixed | 7.25% | 7% | -0.25 pts |
| NBT Bank | 30-year fixed | 7.25% | 7% | -0.25 pts |
| NBT Bank | 30-year fixed refinance | 7.25% | 7% | -0.25 pts |
Biggest rate increases (Oct 9 → Oct 16, 2026)
| Lender | Product | Oct 9 | Oct 16 | Change |
|---|---|---|---|---|
| Mass Bay Credit Union | 30-year fixed refinance | 6.5% | 7% | +0.5 pts |
| Cornerstone Bank | HELOC · FRA 15yr | 6.625% | 7% | +0.375 pts |
| Cornerstone Bank | HELOC · FRA 5yr | 6.25% | 6.5% | +0.25 pts |
| Country Bank for Savings | 5/3 ARM | 5.375% | 5.625% | +0.25 pts |
| Country Bank for Savings | 7/3 ARM | 5.5% | 5.75% | +0.25 pts |
| St. Anne's Credit Union | 30-year fixed | 6.375% | 6.625% | +0.25 pts |
| St. Anne's Credit Union | 30-year fixed refinance | 6.375% | 6.625% | +0.25 pts |
| St. Anne's Credit Union | 5/1 ARM | 5.75% | 6% | +0.25 pts |
| Total Mortgage Services | 7/6 ARM | 6.375% | 6.625% | +0.25 pts |
How this is calculated
LoanMate.ai snapshots every lender's published rates daily. A move is counted only when the same lender published the same product on both dates; the figure compared is the published rate (the APR when no note rate is published). Rows affected by methodology or data-quality flag changes are screened out, so every move below is a genuine change in a lender's advertised price. Published rates are not quotes — confirm current pricing with the lender. See our methodology.
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