Home Equity Loans Rates
Home equity loans and HELOCs are secured by your home. Rates are typically below unsecured rates but your home is collateral, so compare carefully.
Quick answer
No single official figure is published for this product — the official source links below show where to check the latest.
Benchmarks
| Benchmark | Rate | Source |
|---|---|---|
| Home equity / HELOC national benchmark No single official national benchmark — see CFPB guidance on how home-equity products are priced. | See the latest published figure at the source link below. as of 2026-09-10 | Consumer Financial Protection Bureau consumerfinance.gov |
National averages for context, not offers. Retrieved 2026-09-10 — always confirm the latest published figure at the source link.
Frequently asked questions
What is the difference between a home equity loan and a HELOC?
A home equity loan disburses a lump sum with fixed payments; a HELOC is a revolving line you draw from. Both are secured by your home.
Is there an official national home-equity rate?
No single official benchmark exists. The CFPB guidance linked on the home-equity rates page explains how these products are priced — always compare lender disclosures.
What are the main risks?
Your home is collateral: missed payments can lead to foreclosure. Borrow only what the monthly payment comfortably allows.
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Cite this page
LoanMatchers Editorial Team. “Home Equity Loans Rates.” https://loanmatchers.com/rates/home-equity/. Accessed 2026-09-10.
Sources
- Consumer Financial Protection Bureau — Ask CFPB — Consumer Financial Protection Bureau — consumerfinance.gov
Benchmarks are national averages from the publishers above, not offers. See our methodology.
Not financial advice. LoanMatchers is not a lender. Rates and terms vary by lender and creditworthiness. This page provides general educational information, not financial advice — consult a qualified professional before making financial decisions.
By the LoanMatchers Editorial Team. Last updated 2026-09-10. Educational information only — not financial advice.