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Compare Top Second Mortgage Lenders of February 2026A home equity line of credit (HELOC) is a second mortgage that lets you borrow against the value of your home. Borrowers often use HELOCs 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
Online lender Figure is one of the top HELOC lenders in the nation by loan volume. The main appeal is its fast closing, but you’ll need to draw 100% of the line amount at closing and only have five years to keep borrowing.
New American FundingNMLS#6606
Why we like it
New American Funding’s home equity loans feature flexible terms, relatively speedy closings and high borrowing limits, but lack rate transparency.
Upstart Home Lending 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's HELOC features no origination or annual fee and solid customer support, but be prepared for a slower closing.
Rocket Mortgage, LLCNMLS#3030
Why we like it
Rocket Mortgage’s home equity loans offer high borrowing limits and solid access to customer support, but lack rate transparency and longer, flexible term options.
TrovyNMLS#2676733
4.5
NerdWallet rating
Min. credit score
640
Max. loan amount
$100,000
Why we like it
Trovy’s HELOC offers a fast, fully online loan process and a rare cash back feature. Draw and repayment terms are especially generous, but it does not post sample HELOC rates online.
RateNMLS#2611
Why we like it
Rate’s home equity loans feature high borrowing limits and flexible long-term options, but lack transparent rate information. Be aware that the loan will come from a third-party partner. 
AchieveNMLS#1810501
Why we like it
Achieve's HELOC has flexible terms and an unusual fixed rate, but the draw period is shorter than other lenders'.
AmeriSaveNMLS#1168
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.
SplashNMLS#1630038
4.0
NerdWallet rating
Min. credit score
670
Max. loan amount
$250,000
Why we like it
Splash connects borrowers to lending partners (banks and credit unions), with fast funding and support via phone or chat. HELOCs are available in 14 states and Washington, DC.
Quicken LoansNMLS#3030
Why we like it
Great for: Variety of home types