Quick comparison
Key figure is the lender's published rate, or another published limit 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 or equity | Review |
|---|---|---|---|---|---|
 | 620 score, fixed rate | Credit score from620 | 620 | Keep 15% to 20% | Read review of Mutual of Omaha Mortgage |
 | 90% CLTV, loans to $500,000 | Loans up to$500,000 | 640 | 90% | Read review of AmeriSave Mortgage |
 | Published fixed rate | Fixed APR8.05% | Not published | Not published | Read review of U.S. Bank |
The 3 home equity loan lenders
Three facts from each lender's own site, with a link to the full review. Partners are labeled and listed first.
Mutual of Omaha Mortgage
NMLS #1025894LenderMatch partner
Credit score from620Rate and amounts not published
- Equity needed
- At least 15% to 20%
- Debt-to-income
- Under 43%
- Term
- Typically 5 to 15 yrs
Good fit if you want one lump sum at a fixed rate and have a score of 620 or higher.
AmeriSave Mortgage
NMLS #1168LenderMatch partner
Loans up to$500,000Rate not published on its site
- Loan amounts
- $25,000 to $500,000
- Credit score
- 640
- Term
- 20 or 30 yrs
Good fit if you want a fixed lump sum and to borrow up to 90% of your home's value.
U.S. Bank
Fixed APR8.05%As of Oct 15, 2026; 10 yrs
- Loan amounts
- Up to $500,000
- Credit score
- Not published
- Term
- Up to 30 yrs
Good fit if you want a published fixed rate to compare offers against.
A home equity loan pays one lump sum at a fixed rate. If you would rather draw as you go, see the best HELOC lenders. Offers end and terms change, so confirm current terms before you apply.
How we chose these lenders
We read each lender's own home equity loan pages on October 30, 2026 and compared what they publish. We do not give star ratings or scores.
- Published terms
- Loan amounts, maximum combined loan-to-value (CLTV) or equity needed, minimum credit score, fees and terms.
- Rates
- The rate a lender publishes, with its date and conditions. We never estimate a rate a lender does not publish.
- Source rule
- A lender is included only if its home equity loan terms came from its own website. Other lenders list home equity loans, but we did not check their terms for this edition, so they are not compared here.
- Partners
- Mutual of Omaha Mortgage 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. It is not a recommendation for your situation.
Frequently asked questions
What credit score do you need for a home equity loan?
Mutual of Omaha Mortgage asks for 620 or higher and AmeriSave for 640, per their own sites. U.S. Bank does not publish a minimum for its home equity loan.
How much can you borrow with a home equity loan?
AmeriSave lends $25,000 to $500,000, up to 90% of your home's value counting your mortgage. U.S. Bank lends up to $500,000. Mutual of Omaha Mortgage does not publish amounts and asks you to keep at least 15% to 20% equity.
Are home equity loan rates fixed?
Yes, all three loans here have a fixed rate, so your payment stays the same. U.S. Bank listed 8.05% APR as of October 15, 2026 for a 10-year loan of $50,000 to $99,999 at 60% loan-to-value or less with autopay. The other two do not publish rates.
Does Mutual of Omaha Mortgage offer a HELOC?
No. Its website offers a home equity loan, not a HELOC. The loan has a fixed rate and typically a 5 to 15 year term.
Should I get a home equity loan or a HELOC?
A home equity loan suits a known, one-time cost because you get the full amount at a fixed rate. A HELOC suits costs that come in stages because you draw as you go, usually at a variable rate. Our HELOC vs home equity loan guide covers the trade-offs.
Sources
- Mutual of Omaha Mortgage home equity loan page, Mutual of Omaha Mortgage sitemap, seen October 30, 2026.
- AmeriSave HELOC page, AmeriSave home equity loan page, AmeriSave licensing page, seen October 30, 2026.
- U.S. Bank HELOC page, U.S. Bank home equity FAQ, 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 home equity loan (HELOAN)? A lump sum at a fixed rate, with a $50,000 example9 min read
- HELOC vs home equity loan: fixed lump sum or variable line? The $50,000 math8 min read
- Home equity closing costs: $0 to $18,000 to borrow the same $60,0008 min read
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