{
  "canary": "86fe5f9b223f7353",
  "category": {
    "blocked": false,
    "commerce": true,
    "criteria": [
      {
        "group": "Rates",
        "key": "annual_percentage_rate",
        "label": "Annual Percentage Rate (APR)",
        "poids": 5,
        "primary": true,
        "sens": "plus_bas_mieux",
        "type": "prix",
        "unit": "%"
      },
      {
        "group": "Rates",
        "key": "introductory_rate_available",
        "label": "Introductory Rate Available",
        "poids": 1,
        "sens": "neutre",
        "type": "booleen"
      },
      {
        "group": "Fees",
        "key": "fees",
        "label": "Origination Fees",
        "poids": 4,
        "sens": "plus_bas_mieux",
        "type": "prix",
        "unit": "%"
      },
      {
        "group": "Reputation",
        "key": "customer_service_rating",
        "label": "Customer Service Rating",
        "poids": 3,
        "sens": "plus_haut_mieux",
        "type": "note",
        "unit": "stars"
      },
      {
        "group": "Terms",
        "key": "loan_term",
        "label": "Loan Term",
        "poids": 3,
        "sens": "neutre",
        "type": "nombre",
        "unit": "years"
      },
      {
        "group": "Terms",
        "key": "draw_period",
        "label": "Draw Period",
        "poids": 3,
        "sens": "neutre",
        "type": "nombre",
        "unit": "years"
      },
      {
        "group": "Terms",
        "key": "repayment_period",
        "label": "Repayment Period",
        "poids": 3,
        "sens": "neutre",
        "type": "nombre",
        "unit": "years"
      },
      {
        "group": "Requirements",
        "key": "credit_score_minimum",
        "label": "Minimum Credit Score",
        "poids": 2,
        "sens": "plus_haut_mieux",
        "type": "nombre",
        "unit": "points"
      },
      {
        "group": "Requirements",
        "key": "loan_to_value_maximum",
        "label": "Maximum Loan-to-Value (LTV)",
        "poids": 2,
        "sens": "plus_haut_mieux",
        "type": "pourcentage",
        "unit": "%"
      },
      {
        "group": "Service",
        "key": "funding_speed",
        "label": "Funding Speed",
        "poids": 2,
        "sens": "plus_bas_mieux",
        "type": "nombre",
        "unit": "days"
      }
    ],
    "faq": [
      {
        "a": "In 2026, Ally Bank is a top-rated HELOC lender, followed closely by Bank of America, based on factors like APR, fees, and customer service.",
        "q": "What are the best HELOC lenders in 2026?"
      },
      {
        "a": "Lenders are compared on their Annual Percentage Rate (APR) and origination fees, with Ally Bank and Bank of America showing competitive offerings.",
        "q": "How do HELOC lenders compare on APR and fees?"
      },
      {
        "a": "Our rankings are neutral and not influenced by payments from lenders; each data point is sourced to provide an objective comparison.",
        "q": "Where can I find unbiased HELOC lender rankings?"
      },
      {
        "a": "Key factors include the APR, availability of introductory rates, origination fees, customer service ratings, loan term, and draw period.",
        "q": "What factors should I consider when choosing a HELOC lender?"
      }
    ],
    "kind": "category",
    "model": "",
    "ms": 2660,
    "neutral": false,
    "path": [
      "finance",
      "credit",
      "heloc"
    ],
    "price_key": "annual_percentage_rate",
    "profile_questions": [
      {
        "options": [
          "Excellent (740+)",
          "Good (670-739)",
          "Fair (580-669)"
        ],
        "q": "What is your credit score range?"
      },
      {
        "options": [
          "0-20%",
          "20-40%",
          "40%+"
        ],
        "q": "What is your estimated home equity percentage?"
      },
      {
        "options": [
          "$25,000 - $50,000",
          "$50,000 - $100,000",
          "$100,000+"
        ],
        "q": "What loan amount are you seeking?"
      }
    ],
    "subject": "service",
    "suggestions": [
      "Compare HELOC rates",
      "HELOC requirements",
      "Home equity loan vs HELOC",
      "HELOC calculator"
    ],
    "synthese": [
      "This comparison evaluates 10 home equity lines of credit (HELOCs) based on 10 criteria, including Annual Percentage Rate (APR), introductory rate availability, origination fees, customer service rating, loan term, and draw period. Ally Bank ranks highest with a score of 73 out of 100, largely due to its perfect scores in origination fees and customer service. USAA is identified as the most affordable option. The data used for this comparison is sourced for 2 out of the 10 options, with the remaining values being estimates that are clearly marked as such.",
      "The facts in this summary are computed from the table below; only the wording is generated."
    ],
    "tier": "gold",
    "title": "Best HELOC Lenders",
    "unranked": false,
    "visual": "logo"
  },
  "country": "US",
  "freshness": {
    "age_days": 10.6,
    "stale": true,
    "ttl_days": 1
  },
  "items": [
    {
      "badges": [
        "best_overall",
        "best_value"
      ],
      "description": "An online-only bank offering competitive rates and a user-friendly digital platform for HELOCs.",
      "estimated": true,
      "link_url": "https://www.ally.com/",
      "logo_dom": "ally.com",
      "logo_url": "https://unavatar.io/ally.com?fallback=false",
      "name": "Ally Bank",
      "provider": "Ally Bank",
      "score": 73.0,
      "source_url": "https://www.ally.com/borrow/home-equity-line-of-credit/",
      "subscores": {
        "annual_percentage_rate": 31.0,
        "credit_score_minimum": 97.0,
        "customer_service_rating": 98.0,
        "fees": 100.0,
        "funding_speed": 50.0,
        "loan_to_value_maximum": 89.0
      },
      "values": {
        "annual_percentage_rate": 8.7,
        "credit_score_minimum": 660,
        "customer_service_rating": 4.4,
        "draw_period": 10,
        "fees": 0.0,
        "funding_speed": 14,
        "introductory_rate_available": false,
        "loan_term": 20,
        "loan_to_value_maximum": 85,
        "repayment_period": 10
      }
    },
    {
      "badges": [],
      "best_for": "Borrowers looking for a HELOC with no upfront costs and flexible access to funds.",
      "cons": [],
      "description": "A revolving credit line borrowed against the available equity of your home, with no application fees, no closing costs, and no annual fee.",
      "link_url": "https://www.bankofamerica.com/home-equity/",
      "logo_dom": "bank.com",
      "logo_url": "https://unavatar.io/bank.com?fallback=false",
      "name": "Bank of America",
      "pros": [
        "No application fees, no closing costs, and no annual fee",
        "Online application takes about 15 minutes",
        "Offers rate discounts for automatic payments and initial withdrawals",
        "Option to convert variable-rate balance to a Fixed-Rate Loan Option"
      ],
      "provider": "Bank of America",
      "provider_url": "https://www.bankofamerica.com/home-equity/",
      "score": 69.0,
      "source_url": "https://www.bankofamerica.com/home-equity/",
      "subscores": {
        "annual_percentage_rate": 23.0,
        "credit_score_minimum": 97.0,
        "customer_service_rating": 93.0,
        "fees": 100.0,
        "funding_speed": 35.0,
        "loan_to_value_maximum": 89.0
      },
      "values": {
        "annual_percentage_rate": 8.75,
        "credit_score_minimum": 660,
        "customer_service_rating": 4.2,
        "draw_period": 10,
        "fees": 0,
        "funding_speed": 20,
        "introductory_rate_available": true,
        "loan_term": 30,
        "loan_to_value_maximum": 85,
        "repayment_period": 20
      },
      "verified": true
    },
    {
      "badges": [],
      "description": "A regional bank known for its HELOC products and personalized service.",
      "estimated": true,
      "logo_dom": "flagstar.com",
      "logo_url": "https://unavatar.io/flagstar.com?fallback=false",
      "name": "Flagstar Bank",
      "provider": "Flagstar Bank",
      "score": 58.0,
      "source_url": "https://www.flagstar.com/personal/home-loans/home-equity-line-of-credit",
      "subscores": {
        "annual_percentage_rate": 23.0,
        "credit_score_minimum": 88.0,
        "customer_service_rating": 96.0,
        "fees": 57.0,
        "funding_speed": 25.0,
        "loan_to_value_maximum": 95.0
      },
      "values": {
        "annual_percentage_rate": 8.4,
        "credit_score_minimum": 600,
        "customer_service_rating": 4.3,
        "draw_period": 10,
        "fees": 0.3,
        "funding_speed": 28,
        "introductory_rate_available": true,
        "loan_term": 30,
        "loan_to_value_maximum": 90,
        "repayment_period": 20
      },
      "verified": false
    },
    {
      "badges": [
        "cheapest"
      ],
      "description": "Offers competitive rates and excellent customer service, primarily for military members and their families.",
      "estimated": true,
      "link_url": "https://www.usaa.com/",
      "logo_dom": "usaa.com",
      "logo_url": "https://unavatar.io/usaa.com?fallback=false",
      "name": "USAA",
      "provider": "USAA",
      "score": 56.0,
      "source_url": "https://www.usaa.com/home-equity-loans",
      "subscores": {
        "annual_percentage_rate": 23.0,
        "credit_score_minimum": 100.0,
        "customer_service_rating": 100.0,
        "fees": 43.0,
        "funding_speed": 28.0,
        "loan_to_value_maximum": 84.0
      },
      "values": {
        "annual_percentage_rate": 8.25,
        "credit_score_minimum": 680,
        "customer_service_rating": 4.5,
        "draw_period": 10,
        "fees": 0.4,
        "funding_speed": 25,
        "introductory_rate_available": true,
        "loan_term": 30,
        "loan_to_value_maximum": 80,
        "repayment_period": 20
      },
      "verified": false
    },
    {
      "badges": [],
      "description": "Known for its strong brand recognition and a streamlined application process for HELOCs.",
      "estimated": true,
      "link_url": "https://www.chase.com/",
      "logo_dom": "chase.com",
      "logo_url": "https://unavatar.io/chase.com?fallback=false",
      "name": "Chase",
      "provider": "Chase",
      "score": 56.0,
      "source_url": "https://www.chase.com/personal/mortgage/home-equity",
      "subscores": {
        "annual_percentage_rate": 46.0,
        "credit_score_minimum": 94.0,
        "customer_service_rating": 91.0,
        "fees": 14.0,
        "funding_speed": 39.0,
        "loan_to_value_maximum": 89.0
      },
      "values": {
        "annual_percentage_rate": 8.6,
        "credit_score_minimum": 640,
        "customer_service_rating": 4.1,
        "draw_period": 10,
        "fees": 0.6,
        "funding_speed": 18,
        "introductory_rate_available": false,
        "loan_term": 25,
        "loan_to_value_maximum": 85,
        "repayment_period": 15
      }
    },
    {
      "badges": [],
      "best_for": "Borrowers comfortable with a digital process and seeking larger HELOC limits.",
      "cons": [
        "Not available in Texas",
        "Lengthy appraisal process",
        "No same-day draw",
        "Minimum line of $50,000"
      ],
      "description": "Offers a fully digital, AI-driven HELOC process with lines up to $500,000 for most property types.",
      "link_url": "https://better.com/",
      "logo_dom": "better.com",
      "logo_url": "https://unavatar.io/better.com?fallback=false",
      "name": "Better Mortgage",
      "pros": [
        "Fully digital, AI-driven process",
        "HELOC limits up to $500,000",
        "Better Forever loyalty program waives origination fees for refinances and new purchases",
        "Competitive interest rates"
      ],
      "provider": "Better Mortgage",
      "score": 53.0,
      "source_url": "https://themortgagereports.com/126299/top-lenders-for-high-speed-heloc-approval",
      "subscores": {
        "annual_percentage_rate": 0.0,
        "credit_score_minimum": 96.0,
        "customer_service_rating": 89.0,
        "fees": 29.0,
        "funding_speed": 100.0,
        "loan_to_value_maximum": 89.0
      },
      "values": {
        "annual_percentage_rate": 8.9,
        "credit_score_minimum": 650,
        "customer_service_rating": 4.0,
        "draw_period": 10,
        "fees": 0.5,
        "funding_speed": 7,
        "introductory_rate_available": false,
        "loan_term": 20,
        "loan_to_value_maximum": 85,
        "repayment_period": 10
      },
      "verified": true
    },
    {
      "badges": [],
      "description": "A major US bank offering competitive HELOC rates and a strong online presence.",
      "estimated": true,
      "link_url": "https://www.wellsfargo.com/",
      "logo_dom": "wells.com",
      "logo_url": "https://unavatar.io/wells.com?fallback=false",
      "name": "Wells Fargo",
      "provider": "Wells Fargo",
      "score": 53.0,
      "source_url": "https://www.wellsfargo.com/mortgage/heloc/",
      "subscores": {
        "annual_percentage_rate": 23.0,
        "credit_score_minimum": 91.0,
        "customer_service_rating": 89.0,
        "fees": 29.0,
        "funding_speed": 47.0,
        "loan_to_value_maximum": 89.0
      },
      "values": {
        "annual_percentage_rate": 8.5,
        "credit_score_minimum": 620,
        "customer_service_rating": 4.0,
        "draw_period": 10,
        "fees": 0.5,
        "funding_speed": 15,
        "introductory_rate_available": true,
        "loan_term": 30,
        "loan_to_value_maximum": 85,
        "repayment_period": 20
      },
      "verified": false
    },
    {
      "badges": [],
      "description": "A leading online lender providing a fast and digital-first HELOC application experience.",
      "estimated": true,
      "link_url": "https://www.rocketmortgage.com/",
      "logo_dom": "rocket.com",
      "logo_url": "https://unavatar.io/rocket.com?fallback=false",
      "name": "Rocket Mortgage",
      "provider": "Rocket Mortgage",
      "score": 47.0,
      "source_url": "https://www.rocketmortgage.com/home-equity-line-of-credit",
      "subscores": {
        "annual_percentage_rate": 15.0,
        "credit_score_minimum": 91.0,
        "customer_service_rating": 87.0,
        "fees": 0.0,
        "funding_speed": 70.0,
        "loan_to_value_maximum": 95.0
      },
      "values": {
        "annual_percentage_rate": 8.8,
        "credit_score_minimum": 620,
        "customer_service_rating": 3.9,
        "draw_period": 10,
        "fees": 0.7,
        "funding_speed": 10,
        "introductory_rate_available": true,
        "loan_term": 30,
        "loan_to_value_maximum": 90,
        "repayment_period": 20
      },
      "verified": false
    },
    {
      "badges": [],
      "estimated": true,
      "link_url": "https://navyfederal.com/",
      "name": "Navy Federal",
      "score": 28.0,
      "subscores": {
        "customer_service_rating": 100.0,
        "loan_to_value_maximum": 100.0
      },
      "values": {
        "annual_percentage_rate": null,
        "credit_score_minimum": null,
        "customer_service_rating": 4.5,
        "draw_period": null,
        "fees": null,
        "funding_speed": null,
        "introductory_rate_available": null,
        "loan_term": null,
        "loan_to_value_maximum": 95.0,
        "repayment_period": null
      }
    },
    {
      "badges": [],
      "estimated": true,
      "link_url": "https://truist.com/",
      "name": "Truist",
      "score": 0.0,
      "subscores": {},
      "values": {
        "annual_percentage_rate": null,
        "credit_score_minimum": null,
        "customer_service_rating": null,
        "draw_period": 10.0,
        "fees": null,
        "funding_speed": null,
        "introductory_rate_available": true,
        "loan_term": null,
        "loan_to_value_maximum": null,
        "repayment_period": 30.0
      }
    }
  ],
  "lang": "en",
  "license": "Citation with a link to the URL is allowed. Bulk extraction and redistribution of the catalog is prohibited. Volume access: contact us.",
  "markdown_url": "https://comparefairly.com/en/US/best-heloc-lenders.md",
  "neutral": false,
  "notice": "Neutral ranking, never paid; sorted on measured criteria. Each value is sourced or marked as an estimate (see per-item fields).",
  "query": "best HELOC lenders",
  "source": "CompareFairly",
  "title": "Best HELOC Lenders",
  "unranked": false,
  "url": "https://comparefairly.com/en/US/best-heloc-lenders"
}