HELOC lender reviews

Published HELOC terms from 15 lenders: credit minimums, how much you can borrow, line sizes, fees and who each lender fits, checked against each lender's own site.

Side by side in one table: best HELOC lenders compared. How to compare offers: how to choose a HELOC lender and the HELOC offer checker.

Lender reviews

• Bank of America HELOC review
  Rate discounts: 0.125% for autopay from a Bank of America account, 0.10% per $10,000 drawn at opening (up to… Terms, fees, who it fits and what to check.
• Citizens HELOC review
  Large lines up to $2 million with no opening fees, and best pricing for lines of $200,000 or more in first… Terms, fees, who it fits and what to check.
• Figure HELOC review
  Speed: approval in 5 minutes and funding in as few as 5 days, per the lender, with a fully online process. Terms, fees, who it fits and what to check.
• Flagstar Bank HELOC review
  Available in all 50 states and D.C., with a low 6-cycle intro rate for borrowers who draw at least half the… Terms, fees, who it fits and what to check.
• Huntington Bank HELOC review
  One of the highest loan-to-value limits among banks, up to 89.99%, with a published APR table by state and… Terms, fees, who it fits and what to check.
• KeyBank HELOC review
  A 0.25% rate discount for KeyBank checking customers or anyone who sets up autopay from KeyBank checking… Terms, fees, who it fits and what to check.
• Navy Federal Credit Union HELOC review
  High loan-to-value and a long 20-year draw period. Rate floor 3.99%, cap 18%. Terms, fees, who it fits and what to check.
• PNC Bank HELOC review
  A published APR range and flexible fixed-rate locks from 5 to 30 years, with a 0.25% discount for autopay… Terms, fees, who it fits and what to check.
• PenFed Credit Union HELOC review
  A large credit union HELOC with a published rate tied to prime, PenFed-paid closing costs on most lines, and… Terms, fees, who it fits and what to check.
• Regions Bank HELOC review
  A 3.99% intro APR for six billing cycles, a published post-intro range, and a rate that can't rise more than… Terms, fees, who it fits and what to check.
• Spring EQ HELOC review
  Higher loan-to-value and a lower credit floor than most banks. Funds in as few as 11 days, per the lender. Terms, fees, who it fits and what to check.
• TD Bank HELOC review
  Low, flat fees ($99 to open) and a 0.25% rate discount with a TD personal checking account. Lines are offered… Terms, fees, who it fits and what to check.
• Third Federal HELOC review
  Prime-minus pricing with no teaser rate, and a lowest-rate guarantee: beat a lower home equity rate or pay… Terms, fees, who it fits and what to check.
• Truist HELOC review
  A 9-month introductory rate and published standard and fixed-rate APR ranges, with lines up to $1 million in… Terms, fees, who it fits and what to check.
• U.S. Bank HELOC review
  Published APR range and clear fixed-rate locks. Rate cap of 18% and floor of 3.25%. Terms, fees, who it fits and what to check.

HELOCHQ is operated by a loan officer at West Capital Lending, which is not one of the lenders reviewed. Terms change; check each lender's current offer.