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See rates from real lenders in our network.

Mortgages
APR Rates as low as
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30 Year Fixed
$400,000 Loan
Home Equity
APR Rates as low as
7.19%

$513 Monthly
$100,000 Loan
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APR Rates as low as
6.74%

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$20,000 Loan
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APR Rates as low as
6.49%

30 Year Fixed
$200,000 Loan

Rates above may change at lender discretion and may not be available at the time of loan commitment or lock-in.

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Tools & ResourcesSee how the numbers stack up, then compare your offers.Personal LoanHome EquityAuto RefiCalculate Payment$202.76/mo.$12,166Principal Amount$10,000.00Total Interest Paid$2,165.84PrincipalInterestA bar chart showing the breakdown of your monthly payment of $202.76 over 6 years. Each bar represents one year and shows how much goes toward principal (the amount you borrowed) and interest (the cost of borrowing). Year 1 (2026): $971.95 principal, $447.40 interest. Year 2 (2027): $1,775.07 principal, $658.10 interest. Year 3 (2028): $1,922.40 principal, $510.76 interest. Year 4 (2029): $2,081.96 principal, $351.21 interest. Year 5 (2030): $2,254.76 principal, $178.40 interest. Year 6 (2031): $993.85 principal, $19.97 interest. Total over the life of the loan: $12,165.84 repaid, consisting of $10,000.00 principal and $2,165.84 interest.Compare Your OffersCalculate HELOCYou could get a Home Equity Loan or HELOC for$26,250Access Your EquityDisclosuresCalculate SavingsMonthly Payment$650VS$664Remaining Months79 mo.VS72 mo.Remaining Interest$6,350VS$2,777See Refinance Offers$202.76/mo.$12,166Principal Amount$10,000.00Total Interest Paid$2,165.84PrincipalInterestA bar chart showing the breakdown of your monthly payment of $202.76 over 6 years. Each bar represents one year and shows how much goes toward principal (the amount you borrowed) and interest (the cost of borrowing). Year 1 (2026): $971.95 principal, $447.40 interest. Year 2 (2027): $1,775.07 principal, $658.10 interest. Year 3 (2028): $1,922.40 principal, $510.76 interest. Year 4 (2029): $2,081.96 principal, $351.21 interest. Year 5 (2030): $2,254.76 principal, $178.40 interest. Year 6 (2031): $993.85 principal, $19.97 interest. Total over the life of the loan: $12,165.84 repaid, consisting of $10,000.00 principal and $2,165.84 interest.Compare Your Offers

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[H2] Common questions

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How does LendingTree work?

We help you get the best deal possible on your loans, period. By giving consumers multiple offers from several lenders in a matter of minutes, we make comparison shopping easy. And we all know – when lenders compete for your business, you win!

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How do I compare offers on LendingTree?

It's important that you evaluate all of the terms of each offer before you choose the one that's best for you. Compare the interest rate, APR, points, loan amount, loan term and other details of the loan offer.

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How secure is my information?

LendingTree uses secure technology to ensure that the data you send us is protected, confidential and secure. Please see our Security Policy for more information.

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How will I find out about my loan offers?

LendingTree will send you an e-mail with each lender's loan offer when the lender responds, usually within minutes. When each Lender makes their decision, we will notify you via email. You will receive an email for each lender making an offer with the details of the offers. Please contact LendingTree Customer Care via the Contact Us page.

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Can I shop for more than just mortgages?

Yep. You can also shop and compare offers for:

Personal loansAuto loansHome equity loansMortgage refinance loansCredit cardsInsuranceBusiness loans

Not sure where to start? No problem. Many people compare a few offers first, then choose the option that works best for their budget.

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Find your best bank account

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Low or no-fee checking accounts

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High-yield savings accounts

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Competitive certificates of deposits (CDs)

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Bank with the best–earn more in interest and pay less in fees
Your bank accounts are essential to your finances, so it’s important to find the bank or credit union that makes the most sense for you. Accounts that earn interest, like savings accounts and certificates of deposit (CDs) are designed for short-term savings. Checking accounts keep your money easily accessible so you can manage everyday banking transactions.

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High-yield savings account and CD rates

Opening a high-yield savings account

Compare CD rates

Compare checking account perks

Protecting your deposits

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High-yield savings account and CD rates
High-yield savings accounts and CD accounts offer higher interest rates than regular savings accounts, meaning you can earn more on the money you deposit. High-yield savings accounts tend to work similarly to regular savings accounts (with few restrictions apart from transaction limits or other rules). CDs typically require you to leave your money in the account for a certain period (anywhere from a few months to several years) in exchange for a higher interest rate.
Online banks have generally been much more aggressive with their deposit rate increases than brick-and-mortar banks in recent years. The interest rate advantage of online savings accounts over brick-and-mortar savings accounts is the highest it has been in more than a decade.

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How to open a high-yield savings account without switching banks
The easiest way to benefit from today’s higher rates is to open a high-yield savings account at an online bank. You don’t have to completely switch banks to do this! You just need a small deposit to open a high-yield savings account at an online bank, which you can easily link to your existing checking account.

If you already have a high-yield savings account at your current bank, don’t assume that the rate is still competitive. Make sure you compare the rate of your existing account with rates of other online banks.

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Compare CD rates
CDs can offer higher interest rates than savings accounts, but you’ll need to leave money in the account for a certain amount of time until they mature. Short-term CDs may look more attractive, but long-term CDs may be a smarter choice, even if they don’t have higher rates, when interest rates start to fall. Once you open a CD, the rate is locked until maturity, and that can be beneficial when rates are falling.
If you have CDs that are nearing maturity or if you’re preparing to open new CDs, shop around for the best CD rates. Banks hope that you just let your CDs automatically renew. In many cases, the new rate from a CD renewal will be much lower than what you could get elsewhere.

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Compare checking account perks
Checking accounts help you manage everyday banking transactions such as paying bills, withdrawing cash from ATMs or making purchases using a debit card.
Interest rates are generally much lower on checking accounts than on savings accounts. If interest rates are a priority, look for high yield checking accounts. These typically require monthly debit card usage thresholds to qualify for the high interest rate.
Checking account fees can be costly, but many banks offer free checking accounts with no monthly maintenance fees and free overdraft transfers. To avoid ATM fees, look for banks or credit unions with large ATM networks.

[H2]
How banking institutions protect your deposits
Many financial institutions have deposit insurance through the Federal Deposit Insurance Corporation (FDIC) or National Credit Union Administration (NCUA). This ensures that the money you deposit in your bank accounts (up to $250,000 per institution) is protected, even if the bank fails. Online banks with FDIC insurance are just as safe as FDIC-insured brick-and-mortar banks.
Sometimes banking institutions offer perks, sign-on bonuses and waived account fees to stay competitive. Interest rates may change over time, but keeping your money in FDIC-insured deposit accounts helps keep it safe — and you can earn interest on the balance, too.

[H1] Home Equity Loan Rates and Lenders in May 2026
Current $50k home equity loan rates are as low as 7.49%.

Rates are calculated based on conditional offers for both home equity loans and home equity lines of credit with 30-year repayment periods presented to consumers nationwide by LendingTree’s network partners in the past 30 days for each loan amount. Rates and other loan terms are subject to lender approval and not guaranteed. Not all consumers may qualify. See LendingTree’s Terms of Use for more details.

See your best rate offers on LendingTree today.

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Written by
Rene Bermudez

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Edited by
Crissinda Ponder

+ 1 More

Updated May 01, 2026

Content was accurate at the time of publication.

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LendingTree is compensated by companies whose listings appear on this site. This compensation may impact how and where listings appear (such as the order or which listings are featured). This site does not include all companies or products available.

How Does LendingTree Get Paid?

LendingTree is compensated by companies whose listings appear on this site. This compensation may impact how and where listings appear (such as the order or which listings are featured). This site does not include all companies or products available.

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[H2]
Current home equity loan rates offered by LendingTree partners
LOAN AMOUNTAPR AS LOW AS

Rates are calculated based on conditional offers for both home equity loans and home equity lines of credit with 30-year repayment periods presented to consumers nationwide by LendingTree’s network partners in the past 30 days for each loan amount. Rates and other loan terms are subject to lender approval and not guaranteed. Not all consumers may qualify. See LendingTree’s Terms of Use for more details.

MONTHLY PAYMENT
$25,0008.17%$162.15
$50,0007.49%$324.30
$100,0007.19%$648.60
$150,0006.99%$985.39

LendingTree, LLC Trustpilot trust score is 4.5 out of 5 based on 16724 reviews. Link will open in a new tab.TrustpilotIndependent customer ratingExcellent4.5 out of 5

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Current home equity loan rates

Home equity loan calculator

Frequently asked questions

Home equity loan rate trends

How is my home equity loan rate determined?

LendingTree picks for best home equity loan lenders

Home equity rates vs. HELOC rates

Best uses for a home equity loan

How we chose our best home equity lenders

LendingTree takeaways: What you should know about home equity loans

Home equity loan rates currently average 6.41%, down from 7.08% compared to this time last year.

Rates are calculated based on conditional offers for home equity loans with a 15-year repayment period presented to consumers nationwide by LendingTree’s network partners in April of the given year for all loan amounts. Rates and other loan terms are subject to lender approval and not guaranteed. Not all consumers may qualify. See LendingTree’s Terms of Use for more details.

Most lenders allow you to borrow up to 85% of your home’s value.

Home equity loan offers on LendingTree averaged $144,429 in the first quarter of 2026.

Based on home equity loan offers on the LendingTree platform from Jan. 1 to March 18, 2026.

If you don’t want the risk of losing your home if you default on payments, a cash-out refinance or personal loan may be a good alternative.

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Use our home equity calculator to find out how much your loan could be

[H3]
How much does a $50,000 vs. $100,000 home equity loan cost each month?
If you borrow a 20-year $50,000 home equity loan at today’s rates, you’d pay about $394 per month, whereas a $100,000 home equity loan with a 20-year term would cost $788 — twice as much due to the lower average rate for larger loans.
$50,000 home equity loan$100,000 home equity loan
Monthly payment$394$788
Total interest$44,555$89,109
Total loan cost$94,555$189,109
Disclaimer

Payments calculated using an 7.21% interest rate. Rates based on conditional offers for home equity loans for any repayment period presented to consumers nationwide by LendingTree’s network partners in the last month for all loan amounts. Rates and other loan terms are subject to lender approval and not guaranteed. Not all consumers may qualify. See LendingTree’s Terms of Use for more details.

[H4]
Monthly payment comparison for a $50k vs $100k home equity loan

[H2] Frequently asked questions

[H3]
What are the biggest disadvantages of home equity loans?

Higher second mortgage rates: You’ll pay a higher rate than you would with a HELOC or cash-out refinance.

Tougher guidelines: You may need higher scores and lower debt to qualify than you would with a cash-out refinance.

Reduced equity: You’ll lower your available home equity.

Another monthly payment: You’ll have two house payments to manage each month.

Foreclosure risk: You could lose your home if you default on your payments.

[H3]
How long does it take to get a home equity loan?

It may take two to four weeks to close on a home equity loan. You’ll usually receive your funds following a three-business-day waiting period after your closing.

[H3]
Are home equity loan rates similar to mortgage rates?

Home equity loan rates are often higher than interest rates on traditional mortgages. Usually, the more you borrow, the higher your rate will be. Your credit score and loan term will also have an impact on the rate you’re offered.

[H3]
Can I get a home equity loan with bad credit?

Yes, it’s possible to get a home equity loan with bad credit, but you may not qualify for as much equity as you need or want. Lenders may reduce your maximum LTV ratio and charge you a significantly higher interest rate. If your scores are below 620, consider a government-backed program like an FHA cash-out refinance or VA cash-out refinance.

[H2]
How home equity loan rates are trending on LendingTree and what this means for you
Interest rate vs. APR

An interest rate is the basic cost of borrowing money, while an annual percentage rate (APR) includes the interest rate plus additional fees like origination costs. APR gives you the true total cost of the loan, so it’s always higher than the interest rate alone.

The current average annual percentage rate (APR) for a 30-year, $100,000 home equity loan is 7.19%.

Rates are calculated based on conditional offers for both home equity loans and home equity lines of credit with 30-year repayment periods presented to consumers nationwide by LendingTree’s network partners in the past 30 days for each loan amount. Rates and other loan terms are subject to lender approval and not guaranteed. Not all consumers may qualify. See LendingTree’s Terms of Use for more details.

Home equity loan rates are relatively high right now, especially compared to the low rates we saw before the pandemic. Interest rates tend to fall when the Federal Reserve cuts the federal funds rate, which it did most recently on Dec. 10, 2025. Home equity loan rates were trending downward since August of 2025, but have recently started going up — a trend that’ll probably continue in the short-term, according to LendingTree experts.

[H3]
LendingTree expert insights: Home equity loan rates will likely keep rising for now due to conflict and economic uncertainty

“The recent downward trend in home equity loan rates has reversed,” states Matt Schulz

Matt is Chief Consumer Finance Analyst at LendingTree and author of “Ask Questions, Save Money, Make More: How To Take Control Of Your Financial Life,” which was published by Countryman Press in March 2024. He has had his work published in Business Insider, CBS MoneyWatch, American Banker, USNews.com and more. Learn more about his full bio.

, LendingTree’s chief consumer finance analyst. “Amid the war in the Middle East and broader economic uncertainty, rates are likely to keep rising in the short term,” he notes. “That’s definitely unwelcome news for borrowers.”Even if rates do rise, a home equity loan may still be a good idea if it can help you consolidate debt, cover an emergency expense or tackle a project that provides long-term value (like home improvements).

[H2]
How is my home equity loan rate determined?
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Credit score
The higher your credit score, the better your rate will be. Most lenders require a 620 minimum, but some require 660 or 680 for the best rates.
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DTI ratio
Debt-to-income (DTI) ratio shows how much monthly income goes to debt payments. Lenders typically allow a 43% maximum, but lower ratios earn better rates.
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LTV ratio
Loan-to-value (LTV) ratio compares your loan amount to your home’s value. A lower LTV gives you a lower rate. Most lenders cap this at 85%, but some offer high-LTV loans.

Get your free credit score on LendingTree Spring today.
[H2]
Our LendingTree expert picks for the best home equity loan lenders
LenderUser ratingsBest for
[IMG: Rocket Mortgage]

3.9/5
(2624)

Ratings and reviews are from real consumers who have used the lending partner’s services.

Low credit scores
Get Rates
[IMG: Navy Federal Credit Union]
User reviews coming soonHigh LTV ratios
Get Rates
[IMG: TD Bank]
User reviews coming soonOnline experience
Get Rates
[IMG: BMO]
User reviews coming soonRate and closing cost discounts
Get Rates
[IMG: Spring Eq]

4.6/5
(729)

Ratings and reviews are from real consumers who have used the lending partner’s services.

Fast closings
Get Rates

[IMG: Rocket Mortgage]
Editor’s ratingExpert review from LendingTree.Read Reviews5.0/5See Personalized Results
[H3] Best for Low credit scores: Rocket Mortgage
Max. LTV ratio:90% Min. loan amount:$45K Min. credit score:680 Avg. loan costs (all loan types):$8,122 Pros & cons Updates rates on its website daily Provides an easy online application Serves all 50 states and the District of Columbia Doesn’t offer home equity lines of credit (HELOCs) Doesn’t operate brick-and-mortar locations Why we chose Rocket Mortgage Rocket Mortgage offers a home equity loan for borrowers with credit scores as low as 680, though you’ll need at least a 760 score to borrow up to a 90% LTV. Rocket also offers the option to combine your first and second mortgage with a cash-out refinance. How to qualify You’ll have the best chance of qualifying for a mortgage with Rocket Mortgage if you have a 73% loan-to-value (LTV) ratio or better, according to nationwide data from 2023. That year, about 49% of approved borrowers had a debt-to-income (DTI) ratio under 40%. Customer testimonials “The service was prompt and extremely pleasurable. Who works on the weekend or after hours? Our representative. So glad we chose Rocket Mortgage.” — Barbara from Elmont, NY (June 2023) “I did not expect this process to happen so fast, it only took three and a half weeks to close. My Loan officer Kevin was great and walked us through every step.” — Aundreas from Auburn, GA (March 2023) “We had a quick close and Steve’s involvement was critical in hitting the timelines that were necessary, including a last minute issue that he quickly resolved to get us to closing.” — Matt from Alpharetta, GA (May 2023) Read more reviews.

[IMG: Navy Federal Credit Union]
Editor’s ratingExpert review from LendingTree.Read Reviews4.0/5See Personalized Results
[H3] Best for High LTV ratios: Navy Federal Credit Union
Loan terms:5 to 30 years Max. LTV ratio:100% Max. loan amount:$500K Avg. loan costs (all loan types):$3,442 Pros & cons Allows qualified homeowners to borrow up to 100% of their home’s value More likely to approve borrowers with a DTI over 40% than other top lenders Serves all 50 states Only serves military borrowers and their families Doesn’t publish rates on its website Why we chose Navy Federal Credit Union Navy Federal Credit Union is the only lender we reviewed that allows qualified homeowners to borrow up to 100% of their home’s value. Military borrowers may be eligible for extra discounts and a streamlined approval process. Customer support can be contacted online, by phone or even on X (formerly Twitter). The website also provides a step-by-step guide to help you understand the timeline of your home equity loan. How to qualify You’ll have the best chance of qualifying for a mortgage with Navy Federal if you have a 77% loan-to-value (LTV) ratio or better, according to nationwide data from 2023. That year, about 42% of approved borrowers had a debt-to-income (DTI) ratio below 40%.

[IMG: TD Bank]
Editor’s ratingExpert review from LendingTree.Read Reviews4.0/5See Personalized Results
[H3] Best for Online experience: TD Bank
Loan terms:5 to 30 years Min./max. loan amount:$10K/$500K Rate discounts:0.25% for eligible borrowers Avg. loan costs (all loan types):$2,483 Pros & cons Offers an online rate quote before submitting an application Lower average loan cost for home improvement loans than other top lenders Allows homeowners to borrow against investment properties Doesn’t serve most states Doesn’t disclose fees it charges Why we chose TD Bank TD bank’s website is streamlined and easy to use, with a rate tool that customizes options based on your location. Terms range from five to 30 years and rate information is simple to find. TD Bank offers borrowers a 0.25% interest rate discount for its home equity loan products if you open a TD bank checking or savings account with automatic payment deductions. An added bonus: A TD Bank home equity loan can be secured by an investment property — most home equity lenders only allow you to borrow against your primary residence. How to qualify You’ll have the best chance of qualifying for a mortgage with TD Bank if you have a 62% loan-to-value (LTV) ratio or better, according to nationwide data from 2023. That year, about 50% of approved borrowers had a debt-to-income (DTI) ratio under 40%.

[IMG: BMO]
Editor’s ratingExpert review from LendingTree.Read Reviews4.5/5See Personalized Results
[H3] Best for Rates and closing cost discounts: BMO
Loan terms:5 to 20 years Rate discounts:0.50% for eligible borrowers Avg. loan costs (all loan types):$5,092 Pros & cons Origination fees are competitively low Operates over 1,000 branches Provides an online application Higher interest rates Doesn’t publish rates on its website Why we chose BMO BMO offers the highest discounts on home equity loan rates of any lender we rev