Quick comparison
Key figure is the lender's published rate, or its largest line where it does not publish one. CLTV is how much of your home's value you can borrow against, counting your mortgage.
| Lender | Best for | Key figure | Min. credit | Max CLTV | Review |
|---|---|---|---|---|---|
 | Larger lines, rental homes | Lines up to$750,000 | Not published | Not published | Read review of loanDepot |
 | Scores near 600, 90% CLTV | Lines up to$500,000 | 600 typical | 90% | Read review of AmeriSave Mortgage |
 | Fast online funding | Lowest APR shown7.30% | 640 | Not published | Read review of Figure |
 | No closing costs, all 50 states | Lines up to$1,000,000 | 660 | Not published | Read review of Bank of America |
 | Intro rate on $50,000+ | Intro APR5.74% | Not published | 79.90% to 89.90% | Read review of PNC Bank |
 | No closing costs, rates published | APR as low as6.20% | 660 | Not published | Read review of U.S. Bank |
 | 640 score, 90% CLTV | Lines up to$500,000 | 640 | 90% | Read review of Spring EQ |
 | Long 20-year draw | APR as low as7.25% | Not published | 95% of equity | Read review of Navy Federal Credit Union |
 | Lines to $1M in its states | Intro APR5.49% | Not published | Not published | Read review of Truist |
 | Smaller lines from $5,000 | Intro APR5.49% | Not published | 90% | Read review of Connexus Credit Union |
The 10 HELOC lenders
Three facts from each lender's own site, with a link to the full review. Partners are labeled and listed first.
loanDepot
NMLS #174457LenderMatch partner
Lines up to$750,000Rate not published on its site
- Line amounts
- $25,000 to $750,000
- Credit score
- Not published
- Draw / term
- 3 to 5 yr draw, 10 to 30 yr term
Good fit if you want the full amount at closing, a fixed-rate option, or a line on a second home or rental property.
AmeriSave Mortgage
NMLS #1168LenderMatch partner
Lines up to$500,000Rate not published on its site
- Line amounts
- Up to $500,000
- Credit score
- 600 typical minimum
- Max CLTV
- 90%
Good fit if your score is near 600 and you want to borrow up to 90% of your home's value.
Figure
NMLS #1717824
Lowest APR shown7.30%On its site Oct 30, 2026
- Line amounts
- $15,000 to $400,000
- Credit score
- 640 (680 for rentals)
- Term
- 5 to 30 yrs, redraw for 2 to 5
Good fit if you want an online process with funding in as few as 5 days.
Bank of America
Lines up to$1,000,000Rate shown by state on its site
- Line amounts
- $25,000 to $1,000,000
- Credit score
- 660
- Draw / repay
- 10 yr draw, 20 yr repay
Good fit if you want a large line with no closing costs, in any state.
PNC Bank
Intro APR5.74%6 months; then from 7.77%
- Max LTV
- 79.90% to 89.90%
- Credit score
- Not published
- Fixed rate lock
- 5 to 30 yrs, $5,000 minimum
Good fit if you plan a line of $50,000 or more and want a low introductory rate.
U.S. Bank
APR as low as6.20%As of Sept 17, 2026; up to 11.10%
- Line amounts
- $25,000 to $500,000
- Credit score
- 660
- Draw
- 10 yr draw
Good fit if you want no closing costs and a published rate to compare offers against.
Spring EQ
NMLS #1464945
Lines up to$500,000Rate not published on its site
- Line amounts
- $50,000 to $500,000
- Credit score
- 640
- Max CLTV
- 90%
Good fit if you have a 640 score and want to borrow up to 90% of your home's value.
Navy Federal Credit Union
NMLS #399807
APR as low as7.25%Seen Oct 30, 2026; 750 score
- Line amounts
- $10,000 to $500,000
- Credit score
- Not published
- Draw / repay
- 20 yr draw, 20 yr repay
Good fit if you are a member, or can join, and want a 20-year draw period.
Truist
Intro APR5.49%9 months; then from 7.25%
- Line amounts
- $15,000 to $1,000,000
- Credit score
- Not published
- Draw / repay
- 10 yr draw, 20 yr repay
Good fit if you live in a state where it lends and want a line up to $1,000,000.
Connexus Credit Union
NMLS #649316
Intro APR5.49%Until Oct 1, 2027; then 8.06%
- Line amounts
- From $5,000
- Max CLTV
- 90%
- Draw / repay
- 15 yr draw, 15 yr repay
Good fit if you want a smaller line, from $5,000, and a 15-year draw period.
Rates are variable unless noted and can change after the line opens. Offers end and terms change, so confirm current terms before you apply. Want a fixed lump sum instead? See the best home equity loan lenders.
How we chose these lenders
We read each lender's own HELOC pages on October 30, 2026 and compared what they publish. We do not give star ratings or scores.
- Published terms
- Line amounts, maximum combined loan-to-value (CLTV), minimum credit score, fees, and the draw and repayment periods.
- Rates
- The rate a lender publishes, with its date and conditions. We never estimate a rate a lender does not publish; for those, we show the largest line instead.
- Source rule
- A lender is included only if its key facts came from its own website. Lenders whose sites we could not read are left out until we can check them.
- Partners
- loanDepot and AmeriSave are LenderMatch partners. They are labeled and listed first. Their facts come from their own websites, the same as every other lender.
- Best for
- Each “Best for” and “Good fit if” line restates a published fact, such as a line size or a funding time. It is not a recommendation for your situation.
Frequently asked questions
What is the best HELOC lender for 2027?
No single lender is best for everyone. It depends on how much you need, your credit, your state and whether you want a fixed rate. On their own sites, Bank of America and Truist publish lines up to $1,000,000, Navy Federal and Connexus publish 20-year and 15-year draw periods, and AmeriSave and Spring EQ publish a 90% CLTV limit. Comparing offers on your own numbers shows the rate you would actually get.
Which HELOC lenders offer a fixed rate?
loanDepot, Figure and Spring EQ offer fixed-rate HELOCs. Bank of America, PNC, U.S. Bank and Truist let you lock some or all of a variable balance at a fixed rate. AmeriSave's pages are unclear on this, Connexus's HELOC is variable only, and Navy Federal does not publish a fixed option for its HELOC.
What credit score do I need for a HELOC?
Published minimums on this page run from 600 (AmeriSave, which calls it a typical minimum) to 660 (Bank of America and U.S. Bank). Figure and Spring EQ list 640, and Figure asks for 680 on rental properties and duplexes. Several lenders do not publish a minimum. The lowest advertised rates at U.S. Bank and Navy Federal assume scores of 730 or higher and 750.
How much can I borrow with a HELOC?
It depends on your home's value, what you owe and the lender's limit. AmeriSave, Spring EQ and Connexus publish a 90% maximum combined loan-to-value, PNC generally 79.90% to 89.90%, and Navy Federal says you can borrow up to 95% of your equity. Published line maximums run from $400,000 to $1,000,000.
Which HELOC lenders have no closing costs?
Bank of America pays closing costs on lines up to $1 million, U.S. Bank says the customer pays no closing costs, and Navy Federal pays third-party closing costs. Watch for early closure fees: $450 within 36 months at Bank of America, and 1% of the line, up to $500, within 30 months at U.S. Bank.
Sources
- loanDepot HELOC page, loanDepot sitemap, seen October 30, 2026.
- AmeriSave HELOC page, AmeriSave home equity loan page, AmeriSave licensing page, seen October 30, 2026.
- Figure HELOC page, Figure HELOC FAQ, seen October 30, 2026.
- Bank of America home equity page, Bank of America rate assumptions and terms, seen October 30, 2026.
- PNC home equity line of credit page, seen October 30, 2026.
- U.S. Bank HELOC page, U.S. Bank home equity FAQ, seen October 30, 2026.
- Spring EQ fixed-rate HELOC page, Spring EQ variable-rate HELOC page, seen October 30, 2026.
- Navy Federal HELOC page, seen October 30, 2026.
- Truist HELOC page, seen October 30, 2026.
- Connexus Credit Union HELOC page, seen October 30, 2026.
Last reviewed October 30, 2026. Rates and terms here are what each lender published, not offers from LenderMatch. LenderMatch is not a lender and does not make loans or credit decisions.
Keep reading
- What is a HELOC? How it works, and what happens after year 108 min read
- HELOC requirements and eligibility: credit score, equity, DTI and the documents you need8 min read
- HELOC vs home equity loan: fixed lump sum or variable line? The $50,000 math8 min read
One short form, about 2 minutes. Lenders in your state reach out with offers, and LenderMatch never pulls your credit.
See your HELOC offersGet our rate updates first: add LenderMatch as a preferred source on Google.