No major nor any minor lender of any scale made any announcement yesterday that this newsletter noticed regarding any change in home loan rates.Management of the one bank in the spotlight yesterday - Westpac, with a full-year profit to explain - pretended to have given the issue little thoughtThis leaves Commonwealth Bank as the only lender of note to announce an increase in interest rates following the Reserve Bank of Australia's rise in the cash rate on Tuesday. The 45 basis point rise in the standard variable rate announced by CBA, and 20 bps more than the RBA rise, remains a price initiative others will follow only warily.Today's newspapers will carry advertising for home-loan rate increases for mortgage manager portfolios funded through remnant securitisation programs. These are likely to all be rises of 25 basis points and represent price increases on often small portfolios.