{"id":61493,"date":"2022-04-26T09:25:18","date_gmt":"2022-04-26T16:25:18","guid":{"rendered":"https:\/\/www.credible.com\/blog\/?p=61493"},"modified":"2024-02-07T14:06:06","modified_gmt":"2024-02-07T22:06:06","slug":"best-home-equity-loan-lenders-of-2022","status":"publish","type":"post","link":"https:\/\/www.credible.com\/blog\/mortgages\/best-home-equity-loan-lenders\/","title":{"rendered":"Best Home Equity Loans of 2024"},"content":{"rendered":"<p>The best home equity loan lenders offer a wide range of loan amounts and terms at competitive interest rates. They\u2019re transparent about what they can and can\u2019t offer you. And they have a solid reputation for customer satisfaction.<\/p>\n<p>Unfortunately, finding a lender that offers home equity loans can be significantly harder than finding a lender that offers purchase loans, refinance loans, or <a href=\"https:\/\/www.credible.com\/heloc\">home equity lines of credit (HELOCs)<\/a>. While you can\u2019t use Credible to find a home equity loan, we\u2019ve identified six companies that do offer these loans and reviewed the pros and cons of each one.<\/p>\n<p><b>Here are the best lenders for a home equity loan:<\/b><\/p>\n<ul>\n<li><a href=\"#northpointe-bank-home-equity-loan\">Northpointe Bank<\/a><\/li>\n<li><a href=\"#spring-eq-home-equity-loan\">Spring EQ<\/a><\/li>\n<li><a href=\"#discover-home-equity-loan\">Discover Home Loans<\/a><\/li>\n<li><a href=\"#td-bank-home-equity-loan\">TD Bank<\/a><\/li>\n<li><a href=\"#us-bank-home-equity-loan\">U.S. Bank<\/a><\/li>\n<li><a href=\"#navy-federal-credit-union-home-equity-loan\">Navy Federal Credit Union<\/a><\/li>\n<\/ul>\n<h2>\u200b\u200bBest home equity loan lenders<\/h2>\n<p>No single <a href=\"https:\/\/www.credible.com\/blog\/mortgages\/what-is-home-equity\/\">home equity<\/a> lender excelled across the board on the criteria we evaluated. Each has its strengths and weaknesses. You may have to compromise in some areas, but you may still be able to find a good loan for you by shopping around.<\/p>\n<p>The following six lenders are not Credible partners, so you won\u2019t be able to easily compare your rates with them on the Credible platform. But they may be worth considering if you\u2019re looking for a home equity loan.<\/p>\n\n<table id=\"tablepress-909\" class=\"tablepress tablepress-id-909 table table-border-top table-rounded table-no-img-margin table-capitalized-column-titles\">\n<thead>\n<tr class=\"row-1\">\n\t<td class=\"column-1\"><\/td><th class=\"column-2\"><strong>Loan fees<\/strong><\/th><th class=\"column-3\"><strong>Min. loan amount<\/strong><\/th><th class=\"column-4\"><strong>Max. loan amount<\/strong><\/th><th class=\"column-5\"><strong>Maximum CLTV<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n\t<td class=\"column-1\"><strong>Northpointe Bank<\/strong><\/td><td class=\"column-2\">Not disclosed<\/td><td class=\"column-3\">$10,000<\/td><td class=\"column-4\">$250,000<\/td><td class=\"column-5\">Not disclosed<\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td class=\"column-1\"><strong>Spring EQ<\/strong><\/td><td class=\"column-2\">$799 plus third-party fees<\/td><td class=\"column-3\">$25,000<\/td><td class=\"column-4\">$500,000<\/td><td class=\"column-5\">97.5%<\/td>\n<\/tr>\n<tr class=\"row-4\">\n\t<td class=\"column-1\"><strong>Discover Home Loans<\/strong><\/td><td class=\"column-2\">$0<\/td><td class=\"column-3\">$35,000<\/td><td class=\"column-4\">$300,000<\/td><td class=\"column-5\">Not disclosed<\/td>\n<\/tr>\n<tr class=\"row-5\">\n\t<td class=\"column-1\"><strong>TD Bank<\/strong><\/td><td class=\"column-2\">$99<\/td><td class=\"column-3\">$10,000<\/td><td class=\"column-4\">$500,000 or higher, depending on lien position<\/td><td class=\"column-5\">Not disclosed<\/td>\n<\/tr>\n<tr class=\"row-6\">\n\t<td class=\"column-1\"><strong>U.S. Bank<\/strong><\/td><td class=\"column-2\">$0<\/td><td class=\"column-3\">$15,000<\/td><td class=\"column-4\">$750,000 <small>($1 million in CA)<\/small><\/td><td class=\"column-5\">Not disclosed<\/td>\n<\/tr>\n<tr class=\"row-7\">\n\t<td class=\"column-1\"><strong>Navy Federal Credit Union<\/strong><\/td><td class=\"column-2\">$300 to $2,000<\/td><td class=\"column-3\">$10,000<\/td><td class=\"column-4\">$500,000<\/td><td class=\"column-5\">100%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n<p><a name=\"northpointe-bank-home-equity-loan\"><\/a><\/p>\n<h3>Northpointe Bank<\/h3>\n<p class=\"featured-box featured-box--isBlue\"><b>Best for: <\/b>Competitive interest rates<\/p>\n<p>Based in Grand Rapids, Michigan, Northpointe Bank offers banking, home lending, and insurance services. The bank opened in 1999 and has 64 branches across the U.S.<\/p>\n<p><b>Pros<\/b><\/p>\n<ul>\n<li>Competitive interest rates relative to other big-name lenders<\/li>\n<li>Loan amounts from $10,000 to $250,000<\/li>\n<li>Claims a 97% customer satisfaction rate based on its own survey<\/li>\n<\/ul>\n<p><b>Cons<\/b><\/p>\n<ul>\n<li>Not available in all states<\/li>\n<li>Doesn\u2019t disclose maximum combined loan-to-value (CLTV), terms, or closing costs<\/li>\n<li>Doesn\u2019t provide as much information as applicants might want<\/li>\n<\/ul>\n<p><a name=\"spring-eq-home-equity-loan\"><\/a><\/p>\n<h3>Spring EQ<\/h3>\n<p class=\"featured-box featured-box--isBlue\"><b>Best for: <\/b>Fast closing time<\/p>\n<p>Based in Philadelphia, Spring EQ calls itself one of America\u2019s fastest-growing lenders with a leading-edge digital process. In a best-case scenario, Spring EQ claims you can close on your home equity loan and receive your cash in 11 days. On average, the company says its customers get their cash in 18 days.<\/p>\n<p><b>Pros<\/b><\/p>\n<ul>\n<li>Fast closing<\/li>\n<li>CLTV up to 97.5% with a credit score of at least 740<\/li>\n<li>Simplified application process<\/li>\n<li>Apply online<\/li>\n<\/ul>\n<p><b>Cons<\/b><\/p>\n<ul>\n<li>Closing costs are $799 plus third-party fees<\/li>\n<li>Rates start at 6%<\/li>\n<li>Minimum loan is $25,000<\/li>\n<li>Not available in all states<\/li>\n<\/ul>\n<p><a name=\"discover-home-equity-loan\"><\/a><\/p>\n<h3>Discover Home Loans<\/h3>\n<p class=\"featured-box featured-box--isBlue\"><b>Best for: <\/b>Low rates with no closing costs<\/p>\n<p>Discover is best known as a credit card company, but it offers <a href=\"https:\/\/www.credible.com\/blog\/mortgages\/home-equity-loans\/\">home equity loans<\/a> and other financial services, too.<\/p>\n<p><b>Pros<\/b><\/p>\n<ul>\n<li>No origination, application, or other closing fees<\/li>\n<li>Apply, submit documents, and view your loan status online<\/li>\n<li>10-, 15-, 20-, and 30-year terms<\/li>\n<\/ul>\n<p><b>Cons<\/b><\/p>\n<ul>\n<li>Best rate requires no first mortgage and a $200,001 loan<\/li>\n<li>Minimum loan amount is $35,000<\/li>\n<li>Maximum loan amount is $300,000<\/li>\n<\/ul>\n<p><b><i>Check Out: <\/i><\/b><a href=\"https:\/\/www.credible.com\/blog\/mortgages\/home-equity-loan-heloc-pay-off-mortgage\/\"><b><i>Using a Home Equity Loan or HELOC to Pay Off Your Mortgage<\/i><\/b><\/a><\/p>\n<p><a name=\"td-bank-home-equity-loan\"><\/a><\/p>\n<h3>TD Bank<\/h3>\n<p class=\"featured-box featured-box--isBlue\"><b>Best for: <\/b>Borrowers with high property values<\/p>\n<p>TD Bank is one of the largest banks in North America, offering a range of banking, savings, and borrowing options \u2014 including home equity loans \u2014 in the United States and Canada.<\/p>\n<p><b>Pros<\/b><\/p>\n<ul>\n<li>Loan amounts start at $10,000<\/li>\n<li>Lends to borrowers with properties worth $2.5 million and up<\/li>\n<li>Location-based rate quotes available online<\/li>\n<\/ul>\n<p><b>Cons<\/b><\/p>\n<ul>\n<li>Doesn\u2019t disclose CLTV requirements<\/li>\n<li>Must call for more information on high-property-value loans<\/li>\n<li>Not available in all states<\/li>\n<\/ul>\n<p><a name=\"us-bank-home-equity-loan\"><\/a><\/p>\n<h3>U.S. Bank<\/h3>\n<p class=\"featured-box featured-box--isBlue\"><b>Best for: <\/b>Larger loans with no closing costs<\/p>\n<p>U.S. Bank is the nation\u2019s fifth-largest commercial bank and has been named by the Ethisphere Institute as one of the world\u2019s most ethical companies for eight straight years.<\/p>\n<p><b>Pros<\/b><\/p>\n<ul>\n<li>Loans up to $750,000 ($1 million in California)<\/li>\n<li>No closing costs<\/li>\n<li>Flexible loan terms up to 30 years<\/li>\n<\/ul>\n<p><b>Cons<\/b><\/p>\n<ul>\n<li>Doesn\u2019t disclose CLTV requirements<\/li>\n<li>Doesn\u2019t update rates daily<\/li>\n<li>Doesn\u2019t give location-based rate quotes<\/li>\n<\/ul>\n<p><a name=\"navy-federal-credit-union-home-equity-loan\"><\/a><\/p>\n<h3>Navy Federal Credit Union<\/h3>\n<p class=\"featured-box featured-box--isBlue\"><b>Best for: <\/b>Customer service, high CLTV<\/p>\n<p>Navy Federal Credit Union might be the best 100% CLTV home equity lender because most lenders have lower limits. However, like many credit unions, Navy FCU isn\u2019t open to just anyone: You must be a current or retired member of the armed forces, or a family or household member of someone who is.<\/p>\n<div class=\"basic-box\" style=\"border: 1px solid #E2E4E6;\"><div class=\"basic-box__inside\"><b>Good to know:<\/b> This lender is experiencing slow processing times right now, so if you want to work with Navy Federal Credit Union, plan three to four months in advance.<\/div><\/div>\n<p><b>Pros<\/b><\/p>\n<ul>\n<li>Up to 100% CLTV with 7.99% APR and a five-year term<\/li>\n<li>Excellent Trustpilot reviews and recent customer service awards<\/li>\n<li>Transparent about offerings and weaknesses<\/li>\n<\/ul>\n<p><b>Cons<\/b><\/p>\n<ul>\n<li>Military and families only<\/li>\n<li>Maximum loan term of 20 years<\/li>\n<li>Lengthy application processing and closing timelines<\/li>\n<\/ul>\n<h3>Methodology<\/h3>\n<p>To identify the best companies for home equity loans, Credible looked at data points in the following categories:<\/p>\n<ul>\n<li>Rates<\/li>\n<li>Fees<\/li>\n<li>Customer reviews<\/li>\n<li>Loan minimums and maximums<\/li>\n<li>Loan terms<\/li>\n<li>Maximum CLTV<\/li>\n<li>Time to close<\/li>\n<li>Limitations on who can apply<\/li>\n<li>Transparency<\/li>\n<\/ul>\n<p>Credible started with a list of 44 major lenders and ruled out 36 because they didn\u2019t offer home equity loans. Credible then gathered as much information as possible from the eight lenders\u2019 websites to evaluate their home equity loans and chose the best six.<\/p>\n<p>If you can\u2019t find what you need from these six lenders\u2019 offerings, or just want to shop around more, Credible recommends checking out local and regional credit unions and banks for more home equity loan options. Or, shop with Credible to find a great rate on a cash-out refinance or personal loan.<\/p>\n<div id=\"refi-rate-table\">\n  Loading widget - refi-rate-table\n<\/div>\n\n<p><em><strong>Check out: <a href=\"https:\/\/www.credible.com\/blog\/mortgages\/home-equity-loan-bad-credit\/\">Have Bad Credit and Want a Home Equity Loan? Here\u2019s What to Do<\/a><\/strong><\/em><\/p>\n<h2>Home equity loan FAQs<\/h2>\n<p>Here are the answers to some of the most commonly asked questions about home equity loans.<\/p>\n<h3>What is a home equity loan?<\/h3>\n<p>A home equity loan allows you to borrow against the part of your home\u2019s value that belongs to you. You accumulate this value by paying down your mortgage and through rising real estate prices.<\/p>\n<p>A home equity loan is often called a <a href=\"https:\/\/www.credible.com\/blog\/mortgages\/second-mortgages\/\">second mortgage<\/a> because many people carry this loan on top of a first mortgage (the loan they used to purchase or <a href=\"https:\/\/www.credible.com\/mortgage-refinance\/\">refinance their home<\/a>).<\/p>\n<p>Just like a first mortgage, a second mortgage is secured by your home, allowing you to get a low interest rate compared to other forms of borrowing. However, if you can\u2019t repay your home equity loan, you\u2019re at risk of losing your home to foreclosure.<\/p>\n<p><em><strong>Also see:<\/strong><strong>\u00a0<a href=\"https:\/\/www.credible.com\/blog\/mortgage-refinance\/heloc-closing-costs\/\">How Much Are HELOC and Home Equity Loan Closing Costs?<\/a><\/strong><\/em><\/p>\n<h3>What are home equity loan requirements?<\/h3>\n<p>Every lender has its own requirements, but these are the qualifications you\u2019ll usually need to meet:<\/p>\n<ul>\n<li><b>Credit score \u2014<\/b> At least 680<\/li>\n<li><b>Debt-to-income (DTI) ratio \u2014<\/b> No higher than 43%<\/li>\n<li><b>Home equity \u2014<\/b> At least 20%<\/li>\n<\/ul>\n<p><b><i>Learn More: <\/i><\/b><a href=\"https:\/\/www.credible.com\/blog\/mortgages\/home-equity-loan-heloc-requirements\/\"><b><i>Here&#8217;s What You Need to Get a Home Equity Loan or HELOC<\/i><\/b><\/a><\/p>\n<h3>How do I get a home equity loan?<\/h3>\n<p>When you\u2019re ready to apply for a home equity loan, follow these steps:<\/p>\n<ul>\n<li><b>Decide how much money you want to borrow.<\/b> You probably already have a reason for seeking out a home equity loan. Since you\u2019ll get a lump sum with this type of loan, it\u2019s important to know exactly how much you need to borrow to consolidate your debt, improve your home, or use for another purpose.<\/li>\n<li><b>Learn how much equity you have.<\/b> Get an estimate of your home\u2019s market value with a free online home valuation tool. Add up the balance on your first mortgage and any other debts secured by your home. If your home is worth $400,000 and you owe $225,000, your equity is $175,000.<\/li>\n<li><b>Figure out how much you can borrow. <\/b>To be conservative, assume that lenders will allow you to borrow up to 70% of your home\u2019s value with all your home loans combined ($280,000 on a $400,000 home, for example). If your existing mortgage balance is $225,000, you could borrow an additional $55,000.<\/li>\n<li><b>Apply with multiple lenders.<\/b> Don\u2019t put too much stock in lenders\u2019 advertised rates and terms. The details of your finances, your property, and your location will determine what lenders can actually offer you. The best way to find out how much you can borrow, what rate you can get, and what your monthly payments would be is to apply.<\/li>\n<\/ul>\n<h3>What\u2019s the difference between a home equity loan and a HELOC?<\/h3>\n<p>Home equity loans work differently than HELOCs. Depending on what you need the loan for, one option might be better than the other. Check out how the two loans compare:<\/p>\n\n<table id=\"tablepress-90\" class=\"tablepress tablepress-id-90 table table-border-top table-rounded table-lg table-capitalized-column-titles\">\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-1\">\n\t<td class=\"column-1\"><\/td><td class=\"column-2\"><strong>Home equity loan<\/strong><\/td><td class=\"column-3\"><strong>Home equity line of credit (HELOC)<\/strong><\/td>\n<\/tr>\n<tr class=\"row-2\">\n\t<td class=\"column-1\"><strong>Disbursement<\/strong><\/td><td class=\"column-2\">Cash up front in one lump sum<\/td><td class=\"column-3\">Draw cash as needed, up to limit<\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td class=\"column-1\"><strong>Repayment<\/strong><\/td><td class=\"column-2\">Fixed monthly payments<\/td><td class=\"column-3\">Open-ended. Interest-only payments often allowed during draw period<\/td>\n<\/tr>\n<tr class=\"row-4\">\n\t<td class=\"column-1\"><strong>Interest rate<\/strong><\/td><td class=\"column-2\">Typically fixed<\/td><td class=\"column-3\">Usually variable<\/td>\n<\/tr>\n<tr class=\"row-5\">\n\t<td class=\"column-1\"><strong>Interest charges<\/strong><\/td><td class=\"column-2\">Interest charges apply to entire loan balance<\/td><td class=\"column-3\">Only pay interest on amount you draw<\/td>\n<\/tr>\n<tr class=\"row-6\">\n\t<td class=\"column-1\"><strong>Points, closing costs, and fees<\/strong><\/td><td class=\"column-2\">Lender may charge points, closing costs and fees<br \/>\n<\/td><td class=\"column-3\">No points, closing costs may be lower<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n<p><b><i>See: <\/i><\/b><\/p>\n<ul>\n<li><em><a href=\"https:\/\/www.credible.com\/blog\/mortgages\/best-heloc-lenders\/\"><strong>Best Home Equity Line of Credit (HELOC) Lenders of 2022<\/strong><\/a><\/em><\/li>\n<li><a href=\"https:\/\/www.credible.com\/blog\/mortgages\/home-equity-loan-vs-line-credit\/\"><b><i>HELOC vs. Home Equity Loan: How to Decide<\/i><\/b><\/a><\/li>\n<\/ul>\n<p>While Credible doesn\u2019t offer home equity loans, we can help you <a href=\"https:\/\/www.credible.com\/mortgage\/refinance\/rates\/cash-out-refinance\">find a great rate on a cash-out refinance<\/a>. With a cash-out refinance, you can access your equity and potentially lower your interest rate all with the same loan.<\/p>\n<div class=\"basic-box\" style=\"border: 1px solid #E2E4E6;\"><div class=\"basic-box__inside\"><span style=\"font-size: x-large;\"><strong>Get the cash you need and the rate you deserve<\/strong><\/span><\/p>\n<ul class=\"list--iconArrow accent--isGreen\">\n<li>Compare lenders<\/li>\n<li>Get cash out to pay off high-interest debt<\/li>\n<li>Prequalify in just 3 minutes<\/li>\n<\/ul>\n<p style=\"text-align: center;\"><a class=\"btn btn-warning\" href=\"https:\/\/www.credible.com\/mortgage-refinance\/signup\">Find My Loan<\/a><br \/>\n<small>No annoying calls or emails from lenders!<\/small><\/p>\n<p><!-- TrustBox widget - Micro Combo --><\/p>\n<div class=\"trustpilot-widget\" data-locale=\"en-US\" data-template-id=\"5419b6ffb0d04a076446a9af\" data-businessunit-id=\"5536ec090000ff00057eebe7\" data-style-height=\"20px\" data-style-width=\"100%\" data-theme=\"light\"><a href=\"https:\/\/www.trustpilot.com\/review\/www.credible.com\" target=\"_blank\" rel=\"noopener noreferrer\">Trustpilot<\/a><\/div>\n<p><!-- End TrustBox widget --><\/p>\n<\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>The best home equity loan lenders offer a wide range of loan amounts and terms at competitive interest rates. They\u2019re transparent about what they can and can\u2019t offer you. And they have a solid reputation&hellip; <a class=\"more \" href=\"https:\/\/www.credible.com\/blog\/mortgages\/best-home-equity-loan-lenders\/\">Continue reading<\/a><\/p>\n","protected":false},"author":106,"featured_media":61496,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"om_disable_all_campaigns":false,"inline_featured_image":false,"footnotes":""},"categories":[1570],"tags":[1518],"class_list":{"0":"post-61493","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","6":"hentry","7":"category-mortgage-refinance","8":"tag-rm-basics","9":"best-home-equity-loan-lenders-of-2022","11":"post_tag-rm-basics"},"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Best Home Equity Loans of 2024 | Credible<\/title>\n<meta name=\"description\" content=\"The best home equity loan lenders offer a wide range of loan amounts and terms at competitive interest rates. 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