Updated September 30, 2026 · BorrowCue Editorial Team
Top home equity loans and HELOCs compared in the United States
28 lenders available in the United States, ranked for the United States.
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| # | Lender | Score | Features | Key facts | Actions |
|---|---|---|---|---|---|
| 1 |  First National Bank of OmahaTop pick | 9.6/10 |
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| 2 |  Wells Fargo Relationship closing cost credits: starting at $250 | 9.5/10 |
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| 3 |  AffinityPlus Credit Union | 9.4/10 |
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| 4 |  Bank of America | 9.3/10 |
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| 5 |  Republic Bank | 9.3/10 |
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| 6 |  Union Bank U.S. Bank Smartly Checking new account bonus: up to $450 | 9.3/10 |
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| 7 |  Upstart Mortgage Home Equity Line of Credit | 9.3/10 |
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| 8 |  Navy Federal Credit Union Flagship Premier Visa Signature $100 annual flight credit | 9.2/10 |
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| 9 |  New Millennium Bank | 9.2/10 |
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| 10 |  Achieve Personal loan interest rate savings: Up to 4% APR reduction via 3 rate discounts | 9.1/10 |
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Licensed in the United States
- First National Bank of Omaha
- NMLS (National Mortgage Licensing System)
- First National Bank of Omaha
- FDIC
- First National Bank of Omaha
- HUD (Equal Housing Lender)
- Wells Fargo
- NMLS (National Mortgage Licensing System)
- Wells Fargo
- FDIC
- AffinityPlus Credit Union
- National Credit Union Administration (NCUA)
- Bank of America
- Federal Deposit Insurance Corporation (FDIC)
- Bank of America
- FDIC
- Republic Bank
- NMLS (National Mortgage Licensing System)
- Republic Bank
- FDIC
- Union Bank
- Federal Deposit Insurance Corporation (FDIC) - member
- Union Bank
- U.S. national bank charter
- Upstart Mortgage Home Equity Line of Credit
- Nationwide Multistate Licensing System
- Navy Federal Credit Union
- National Credit Union Administration (NCUA)
- Navy Federal Credit Union
- NMLS
- New Millennium Bank
- FDIC
- New Millennium Bank
- NMLS
- New Millennium Bank
- New Jersey Department of Banking and Insurance
- Axos Bank
- NMLS Consumer Access (CFPB)
- Axos Bank
- FDIC
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