HELOC and mortgage data

Public numbers on HELOCs and mortgages. The rate pages refresh from the Federal Reserve and Freddie Mac every morning, and the HELOC approval and denial studies use the latest yearly federal HMDA data. Each page shows where the figures come from and the dates they cover.

• Prime rate today The index behind most HELOCs: today's rate, every change in the last 2 years and how it sets a HELOC rate. 7.00%prime rate Daily data through October 27, 2026
• Mortgage rates this week Freddie Mac's weekly 30-year and 15-year fixed averages, the change from last week and last year, and what they mean for refinancing. 7.24%30-year6.60%15-year Week of October 29, 2026
• HELOC approval and denial rates by state How often lenders approved HELOC applications in each state, by debt-to-income and loan-to-value ratio, and the most common denial reasons, from federal HMDA data. 67.1%approved nationally 2025 data, published yearly
• Why HELOCs get denied, by state The reasons lenders gave for denying HELOC applications in each state: debt-to-income ratio, credit history, collateral and the rest, from federal HMDA data. 47.3%of denials cite debt-to-income 2025 data, published yearly
• HELOC rates by state Today's prime rate and what HELOCs actually opened at in each state, by how much of the home was borrowed and by line size, from federal HMDA data. 7.50%median HELOC rate 2025 data, published yearly
• Home equity loan rates by state What home equity loans closed at in each state, by term and by how much of the home was borrowed, from federal HMDA data. 8.50%median rate 2025 data, published yearly
• Refinance rates by state This week's averages and what cash-out and rate-and-term refinances closed at in each state, conventional, FHA and VA, from federal HMDA data. 6.50%median cash-out rate 2025 data, published yearly

These are published indexes and national averages. They are not rate quotes or offers from LenderMatch or any lender. To see what lenders in your state could offer you, start with the calculators or see how LenderMatch works.