Better rate if middle score improves during loan process?

[Anonymous]

Is there a point after applying for a refinance that you could have your credit report pulled again to maybe get a better rate if your middle score has shifted upwards?

[NC_Mtg_Loaner]

As long as your loan wasn't already locked your chances of seeing improvement in rates (aka-pricing) is better, yes.

Of course you also benefit from the fact that the US 10YR Treasury bond yield--the barometer for mortgage rates at most banks in America-has dropped nearly .25% which most lenders have passed on to their new clients.

If you are already locked, it typically requires at least a .25% improvement in market rates in order for most lenders to provide you an additional .125% decrease in rate through their "float down policy". 

good luck!