THE RESEARCH LIBRARY
Compare home equity loan and heloc lenders through independent AI consensus studies. Start with your borrowing situation, then explore the providers and evidence.
THE CATEGORY VIEW
A broader look across the published home equity loan and heloc lenders studies. Compare recommendation prominence, then find the research for your situation.
| Rank | Lender / published entity | Consensus score | Study coverage | AI mentions |
|---|---|---|---|---|
| 01 | Navy Federal Credit Union | 36.9 / 100 | 14 / 15 studies | 50 / 10448.1% of usable responses |
| 02 | Figure | 35.9 / 100 | 12 / 15 studies | 47 / 10445.2% of usable responses |
| 03 | Bank of America | 23.4 / 100 | 6 / 15 studies | 33 / 10431.7% of usable responses |
| 04 | PenFed Credit Union | 22.1 / 100 | 14 / 15 studies | 34 / 10432.7% of usable responses |
| 05 | U.S. Bank | 21.3 / 100 | 9 / 15 studies | 30 / 10428.9% of usable responses |
| 06 | Connexus Credit Union | 16.8 / 100 | 9 / 15 studies | 29 / 10427.9% of usable responses |
| 07 | Spring EQ | 14.8 / 100 | 10 / 15 studies | 26 / 10425.0% of usable responses |
| 08 | PNC Bank | 14.8 / 100 | 7 / 15 studies | 25 / 10424.0% of usable responses |
| 09 | Alliant Credit Union | 10.9 / 100 | 6 / 15 studies | 17 / 10416.4% of usable responses |
| 10 | Aven | 10.2 / 100 | 5 / 15 studies | 13 / 10412.5% of usable responses |
| Rank | Lender / published entity | Consensus score | Study coverage | AI mentions |
|---|---|---|---|---|
| 11 | Better Mortgage | 9.3 / 100 | 5 / 15 studies | 16 / 10415.4% of usable responses |
| 12 | Citizens Bank | 8.1 / 100 | 8 / 15 studies | 13 / 10412.5% of usable responses |
| 13 | Rate | 7.3 / 100 | 3 / 15 studies | 11 / 10410.6% of usable responses |
| 14 | Griffin Funding | 6.4 / 100 | 4 / 15 studies | 9 / 1048.7% of usable responses |
| 15 | FourLeaf Federal Credit Union | 6.1 / 100 | 6 / 15 studies | 12 / 10411.5% of usable responses |
| 16 | Truss Financial Group | 5.6 / 100 | 4 / 15 studies | 8 / 1047.7% of usable responses |
| 17 | Angel Oak Mortgage Solutions | 4.9 / 100 | 3 / 15 studies | 6 / 1045.8% of usable responses |
| 18 | Achieve | 4.6 / 100 | 4 / 15 studies | 9 / 1048.7% of usable responses |
| 19 | Fifth Third Bank | 4.5 / 100 | 7 / 15 studies | 10 / 1049.6% of usable responses |
| 20 | Regions Bank | 4.5 / 100 | 6 / 15 studies | 9 / 1048.7% of usable responses |
| 21 | Truist | 4.3 / 100 | 3 / 15 studies | 6 / 1045.8% of usable responses |
| 22 | Deephaven Mortgage | 4.2 / 100 | 2 / 15 studies | 6 / 1045.8% of usable responses |
| 23 | Better | 4.1 / 100 | 2 / 15 studies | 6 / 1045.8% of usable responses |
| 24 | TD Bank | 4.0 / 100 | 6 / 15 studies | 11 / 10410.6% of usable responses |
| 25 | RenoFi | 3.4 / 100 | 3 / 15 studies | 5 / 1044.8% of usable responses |
| 26 | Third Federal Savings & Loan | 3.3 / 100 | 2 / 15 studies | 5 / 1044.8% of usable responses |
| 27 | Rocket Mortgage | 3.1 / 100 | 4 / 15 studies | 6 / 1045.8% of usable responses |
| 28 | Bethpage Federal Credit Union | 2.7 / 100 | 8 / 15 studies | 8 / 1047.7% of usable responses |
| 29 | Truliant Federal Credit Union | 2.4 / 100 | 2 / 15 studies | 4 / 1043.9% of usable responses |
| 30 | West Capital Lending | 2.2 / 100 | 2 / 15 studies | 3 / 1042.9% of usable responses |
| 31 | Quorum Federal Credit Union | 2.2 / 100 | 2 / 15 studies | 3 / 1042.9% of usable responses |
| 32 | Upstart | 2.2 / 100 | 2 / 15 studies | 5 / 1044.8% of usable responses |
| 33 | Eastern Bank | 2.0 / 100 | 3 / 15 studies | 4 / 1043.9% of usable responses |
| 34 | BMO Bank | 2.0 / 100 | 2 / 15 studies | 3 / 1042.9% of usable responses |
| 35 | CMG Financial | 2.0 / 100 | 2 / 15 studies | 3 / 1042.9% of usable responses |
| 36 | Broadview Federal Credit Union | 1.7 / 100 | 2 / 15 studies | 3 / 1042.9% of usable responses |
| 37 | Wells Fargo | 1.6 / 100 | 3 / 15 studies | 4 / 1043.9% of usable responses |
| 38 | Third Federal Savings and Loan | 1.6 / 100 | 4 / 15 studies | 4 / 1043.9% of usable responses |
| 39 | loanDepot | 1.5 / 100 | 3 / 15 studies | 3 / 1042.9% of usable responses |
| 40 | Andes Mortgage | 1.5 / 100 | 2 / 15 studies | 3 / 1042.9% of usable responses |
| 41 | JD Mortgage | 1.5 / 100 | 3 / 15 studies | 3 / 1042.9% of usable responses |
| 42 | Chase Home Equity Line of Credit | 1.5 / 100 | 2 / 15 studies | 3 / 1042.9% of usable responses |
| 43 | KeyBank | 1.2 / 100 | 5 / 15 studies | 5 / 1044.8% of usable responses |
| 44 | Space Coast Credit Union | 1.1 / 100 | 2 / 15 studies | 3 / 1042.9% of usable responses |
How to read this. A first-place recommendation earns 10 points, second place 9, down to 1 point for tenth. An absence earns zero. We average within each platform, then across platforms and studies, and scale to 100. Each study has equal weight.
Only valid ranking responses count. Qualification requires at least two studies and three response appearances. Published names are grouped by case and punctuation; distinct name variants remain separate. A broad score can favor lenders serving many borrowing needs. It is not a customer rating, loan offer, or assessment of your eligibility.
Research dates: 2026-09-29. Read the ranking methodology →
Showing 1–15 of 15 results
Independent research · Open methodologyFigure, Spring EQ, and Navy Federal Credit Union each appeared on 4 of 7 AI platforms as top HELOC lenders for business owners tapping personal home equity for business capital. Better Mortg
iQ Credit Union leads the 2026 ranking of credit union HELOC lenders, named by all seven AI platforms studied. Alliant Credit Union is the top alternative for broad online membership and low
Figure leads the 2026 fast-funding HELOC ranking, named by all seven AI platforms for funding in as few as five business days. Aven and Rate follow for card-style draw access and one-to-two-
U.S. Bank ranks first among 9 hybrid HELOC lenders that let you keep a revolving balance while converting part or all of it to a fixed rate, followed by PNC Bank and Bank of America. The ind
Navy Federal Credit Union leads this 2026 ranking of fixed-rate home equity loan lenders for a lump sum second mortgage, followed by U.S. Bank, Connexus Credit Union, Third Federal, and Spri
Bank of America is the consensus leader for a general-purpose revolving HELOC, named by all seven platforms studied. Navy Federal Credit Union is the top alternative for eligible military-af
Navy Federal Credit Union leads as the best HELOC lender for high combined loan-to-value ratios up to 95% CLTV, according to a study of seven AI platforms. Figure, Spring EQ, and Connexus Cr
U.S. Bank ranks first in this 2026 index of renovation-focused HELOC lenders, named by 4 of 6 AI platforms. Navy Federal and PNC tie on mentions, while Quorum and RenoFi lead on after-renova
This index ranks 10 lenders that seven AI platforms named when asked which providers would consider a HELOC on a non-owner-occupied rental property. TD Bank finished first on breadth of ment
Bank of America leads as the consensus pick for a large credit line on a high-value home, advertising HELOCs up to $1,000,000 with no application, annual, or closing costs on qualifying line
Manufactured Nationwide leads this 2026 index of 8 lenders for a second lien against equity in a manufactured home on owned land, followed by U.S. Bank for fixed-rate loans and Truliant Fede
Figure leads the 2026 no-appraisal HELOC ranking, named by all seven AI platforms and advertising no in-person appraisal for eligible loans under $400,000. Connexus, PenFed, Achieve, and Ave
Navy Federal Credit Union leads this 2026 index of no-closing-cost HELOC lenders, named by all 7 platforms studied. Alliant Credit Union and Bank of America are the strongest alternatives fo
Bank of America and PenFed Credit Union lead the ranking of home equity lenders for second homes and vacation properties, each named by 5 of 7 platforms. The index covers 8 qualifying lender
Truss Financial Group leads the 2026 ranking of HELOC lenders for self-employed borrowers, named by 5 of 7 AI platforms. Griffin Funding, Deephaven Mortgage, and Angel Oak Mortgage Solutions
