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Compare Top Home Equity Loan Lenders of October 2025A home equity loan is a second mortgage that lets you borrow against the value of your home. Borrowers often use home equity loans to finance home improvement projects, educational expenses, debt consolidation, and more.
Excellent (760+)
California
Applied Filters: Excellent (760+), Max loan amount: $100,000, State: California
FigureNMLS#1717824
Why we like it
Figure is a large HELOC lender and stands out for offering funding in as fast as five days. However, borrowers have to draw their full line amount at closing, and will pay an origination fee.
New American FundingNMLS#6606
Why we like it
Good for: First-time home buyers and other borrowers looking for a broad array of loan choices.
Upstart Mortgage LLCNMLS#2443873
4.0
NerdWallet rating
Min. credit score
600
Max. loan amount
$250,000
Why we like it
Good for: High combined loan-to-value ratio
FourLeaf Federal Credit UnionNMLS#449104
Why we like it
FourLeaf HELOC borrowers don’t pay closing costs (as long as the line is open for more than three years) and can get an introductory rate below the prime rate.
Rocket Mortgage, LLCNMLS#3030
Why we like it
Rocket Mortgage’s home equity loan stands out for having no application fees and a borrowing limit above the industry standard, but home equity loan rates are not posted online.
RateNMLS#2611
Why we like it
Rate home equity loans have higher borrowing limits than many competitors, but borrowers will have to contact the lender to get any information about the product.
BetterNMLS#330511
Why we like it
Better home equity loans stand out for having high borrowing limits and a convenient digital application.
AchieveNMLS#1810501
5.0
NerdWallet rating
Min. credit score
600
Max. loan amount
$300,000
Why we like it
Predictable payments that include both principal and interest
AmeriSaveNMLS#1168
5.0
NerdWallet rating
Min. credit score
640
Max. loan amount
$500,000
Why we like it
AmeriSave’s home equity loan offers high borrowing limits and flexible long-term options, but lacks rate transparency.
NBKCNMLS#409631
Why we like it
NBKC’s HELOC has a low introductory rate available in most states, followed by a variable rate. Funding is fast, especially for a bank, and a recent NBKC home appraisal may be reused for this loan.