Home equity · Online applications
The online HELOC shortlist.
Three lenders where you can apply for a home equity line of credit entirely online, without a phone call. Here's how they compare and which to try first.
The short versionStart with Lender A. If it doesn't work out, try Lender B. If you've been declined before, Lender C is your best shot.
| 1Try first Lender A Top pick |
2Try second Lender B |
3Try third Lender C |
|
|---|---|---|---|
| Best for | Best rates and the most money | An easy, smooth process | Borrowers declined elsewhere |
| Rates | ★★★ Typically the best | ★★★ Typically good | ★★★ Typically good |
| Line amounts | Typically the highest | — | — |
| Process | Online application | Typically the smoothest | Online application |
| If declined before | — | — | Approves most previously declined clients |
| Apply 100% online | Yes | Yes | Yes |
| Phone call required | No | No | No |
| Apply with Lender A → | Apply with Lender B → | Apply with Lender C → |
1Try first
Lender A
Top pick
- Best for
- Best rates and the most money
- Rates
- ★★★ Typically the best
- Lines
- Typically the highest
- Phone call
- Not required
2Try second
Lender B
- Best for
- An easy, smooth process
- Rates
- ★★ Typically good
- Process
- Typically the smoothest
- Phone call
- Not required
3Try third
Lender C
- Best for
- Borrowers declined elsewhere
- Rates
- ★★ Typically good
- Approvals
- Approves most previously declined
- Phone call
- Not required
Why only three?
Most people don't need twenty options. They need a short list of lenders that let them apply online, show them a decision quickly, and don't make them wait on a phone call. These three do that.
How to use this list
- Apply with Lender A first. It typically has the best rates and highest line amounts.
- Not approved, or not the offer you wanted? Apply with Lender B.
- Still nothing, or you've been declined before? Apply with Lender C.