Best HELOC lenders
A transparent, editorial ranking of the best HELOC lenders. How we ranked, and who each is best for.
2 evaluated
Placeholder rankings for development. Provider facts are illustrative, not real offers.
We ranked the best HELOC lenders on real cost, eligibility, funding speed, and transparency. Partner status never changes the order.
Top picks
1
Harbor Home EquityBest overall
APR7.5–11.5%
2
Beacon EquityLowest intro rate
APR6.99% intro
Our methodology
We score each provider on APR range, fees, eligibility breadth, funding speed, and disclosure quality. Weighted toward total cost. Partner relationships never affect placement.