where can i get a home equity loan?

• Trustco Bank - 945 S Lake Blvd, Mahopac, NY 10541, United States
• Hudson Valley Credit Union - 152 US-6, Mahopac, NY 10541, United States
• Sunmark Credit Union - 3563 Mohegan Ave, Mohegan Lake, NY 10547, United States
• Tompkins Community Bank - 630 US-6, Mahopac, NY 10541, United States
• KeyBank - 981 US-6, Mahopac, NY 10541, United States
• Mid-Hudson Valley Federal Credit Union - 3 N Broad St, Peekskill, NY 10566, United States
• Hudson Valley Credit Union - 3160 E Main St, Mohegan Lake, NY 10547, United States
• Hudson Valley Credit Union - 1515 NY-22, Brewster, NY 10509, United States
• Chase Home Lending - 80 US-6, Baldwin Place, NY 10505, United States
• Mid-Hudson Valley Federal Credit Union - 584 US-9 Suite 100, Fishkill, NY 12524, United States
• KeyBank - 12 Tomahawk St, Baldwin Place, NY 10505, United States
• TEG Federal Credit Union - Route 9 - 1145 US-9, Wappingers Falls, NY 12590, United States
• Tompkins Community Bank - 1441 NY-22, Brewster, NY 10509, United States
• TEG Federal Credit Union - Route 376 - 900 Route 376 Nesheiwat Square, Wappingers Falls, NY 12590, United States
• Tompkins Bank & Trust - 591 Route 6N, Mahopac Falls, NY 10542

If you're in the Mahopac/Putnam County area, you have several good places to shop for a home equity loan or HELOC.

Local options worth checking

• Trustco Bank — Mahopac. Trustco currently advertises a fixed-rate home equity credit line, with a promotional rate structure.
• Hudson Valley Credit Union — Mahopac. A local credit union with mortgage and home-equity lending.
• Sunmark Credit Union — Mohegan Lake. Another nearby credit union worth comparing.
• Tompkins Community Bank — Mahopac. Offers home-equity loans and HELOCs.
• KeyBank — Mahopac. Convenient if you'd prefer a larger bank.

What I'd do

Don't automatically take the loan from your current bank. Get 3 quotes, preferably from a local credit union, community bank, and your existing mortgage lender.

As of late August 2026, New York offers vary considerably. For example, some advertised HELOC rates are around 4.5%–6%, while fixed home-equity loans can be higher depending on term and loan-to-value. Promotional HELOC rates can also jump after the introductory period.

A home equity loan is usually better if you need one specific lump sum and want a fixed payment. A HELOC is better if you'll need money gradually, but the rate is typically variable.

If you tell me (1) roughly how much your house is worth, (2) your current mortgage balance, (3) how much you want to borrow, and (4) your approximate credit score, I can compare the best options available to you and estimate the monthly payment.

You can get a home equity loan through several types of financial institutions. Shopping around across different categories is the best way to compare interest rates, loan amounts, and closing costs.

• Traditional National and Regional Banks: Major traditional banks like U.S. Bank, Fifth Third Bank, TD Bank , and Regions Bank offer competitive fixed-rate home equity loans. If you already have a checking or savings account with a major bank, check with them first—many offer relationship discounts or streamline the process for existing customers.
• Credit Unions: Local or national credit unions (such as Navy Federal Credit Union or Connexus Credit Union ) frequently provide lower interest rates and friendlier fee structures than big commercial banks. Keep in mind you will need to qualify for membership.
• Online Lenders and Fintech Companies: Digital platforms and specialized lenders (like Discover Home Loans or SoFi ) allow you to apply completely online, check your rates with a soft credit pull, and get streamlined digital verification and fast funding.
• Mortgage Brokers: Independent brokers can shop across dozens of wholesale lenders simultaneously to find you a niche product or a lower rate that you might not find searching independently.

To help me narrow down which lender might be the best fit, tell me:

• What is your estimated credit score range?
• Roughly how much equity do you have, and how much cash do you want to borrow?
• Do you prefer in-person branch service or a fully online application?

• VyStar Credit Union - 305 Palm Coast Pkwy SW, Palm Coast, FL 32137, United States
• Space Coast Credit Union | Palm Coast Town Center - 5834 FL-100, Palm Coast, FL 32164, United States
• PNC Bank - 235 Palm Coast Pkwy NE, Palm Coast, FL 32137, United States
• SouthState Bank - 175 Cypress Point Pkwy, Palm Coast, FL 32164, United States
• Trustco Bank - 120 Belle Terre Pkwy Suite 28, Palm Coast, FL 32164, United States
• VyStar Credit Union - 2550 Moody Blvd, Palm Coast, FL 32137, United States
• Ameris Bank - 181 Cypress Point Pkwy, Palm Coast, FL 32164, United States
• Space Coast Credit Union | Palm Coast West | FL - 10 Leanni Way, Palm Coast, FL 32137, United States
• Intracoastal Bank - 1290 Palm Coast Pkwy NW, Palm Coast, FL 32137, United States
• PNC Bank - 21 Cypress Point Pkwy, Palm Coast, FL 32164, United States
• VyStar Credit Union - 2550 Moody Blvd, Palm Coast, FL 32137
• Mortgage, Bank of America - 4850 Belle Terre Pkwy, Palm Coast, FL 32164
• Truist - 15 Pine Cone Dr, Palm Coast, FL 32137, United States
• Fairway Independent Mortgage Corp. - The Loan Pro Team - 18 Market Ave Ste 125, Palm Coast, FL 32164, United States
• The Goretti Team powered by Supreme Lending - 50 Leanni Way UNIT B4, Palm Coast, FL 32137, United States

Yes. If you're in Palm Coast, Florida, you have several good places to shop for a home equity loan or HELOC.

Local options worth checking

• VyStar Credit Union — Local credit union with a Palm Coast branch. Credit unions are worth comparing because they can be competitive on home-equity rates.
• Space Coast Credit Union | Palm Coast Town Center — Another local credit-union option; Flagler County residents can generally qualify for membership.
• PNC Bank — Has Palm Coast branches and offers home-equity products. PNC is currently listed among Florida home-equity lenders.
• SouthState Bank — Local Palm Coast branch and offers home-equity lines of credit.
• Trustco Bank — Local bank with mortgage/lending services.

One I'd definitely get a quote from

Florida Credit Union currently advertises home-equity loans as low as 6.25% APR for 60 months, with no closing costs on loans of $10,000 or more subject to its conditions. It also offers HELOCs.

Another Florida-specific option is midflorida.com, which currently advertises a 15-year example at 6.74% APR and loans from $10,000 to $500,000, subject to eligibility.

Home equity loan vs. HELOC

If you need one specific amount—say $50,000 for a major project—a home equity loan is usually the cleaner choice because you get a lump sum and fixed payments.

If you want access to money as you need it, a HELOC is more flexible, but the rate is typically variable.

Current rates vary considerably by lender and borrower. For example, Florida rate data updated August 23, 2026 shows some advertised home-equity/HELOC rates below 6%, while broader national averages are higher. Your credit, income, home value and existing mortgage balance will make a big difference.

If you tell me (1) roughly what your home is worth, (2) what you owe on the mortgage, (3) how much you want to borrow, and (4) your approximate credit score, I can compare the best options for you and estimate your monthly payment.

You can get a home equity loan through several types of financial institutions. Shopping around with different options will help you secure the best interest rates, terms, and closing costs.

• Traditional National and Regional Banks: Major banks like Fifth Third Bank, Regions Bank , and BMO offer competitive fixed-rate home equity loans with high borrowing limits. They are a great place to start if you already have a checking account or mortgage with them.
• Credit Unions: Local and national credit unions (such as Connexus Credit Union ) often provide lower interest rates and more flexible terms or lower fees than massive commercial banks.
• Online Lenders and Specialized Companies: Fintech and specialized home equity lenders like Spring EQ or RenoFi (which specializes in renovation-based home equity loans) offer streamlined digital applications and fast approvals.
• Savings and Loan Associations: Institutions like Third Federal Savings and Loan frequently rank high for having some of the lowest starting APRs on fixed home equity loans.

What You'll Need to Qualify:

• Home Equity: Typically, lenders allow you to borrow up to 80% - 85% of your home's appraised value minus what you still owe on your mortgage.
• Credit Score: Most top-tier rates require a strong credit score (often 740+ or higher).
• Debt-to-Income (DTI) Ratio: Lenders prefer a DTI ratio below 43% to 50%.

To help me narrow down the best specific lender for you, tell me:

• What is your estimated credit score range?
• How much cash/loan amount do you need?
• Do you prefer a local bank/credit union or an online lender?

Here are top web results for exploring this topic:

U.S. Bank·https://www.usbank.com**Home Equity Loans** - U.S. Bank How do I apply for a home equity loan? You can start by seeing if you prequalify for a home equity loan online, by calling 800-642-3547 or by visiting a U.S. Bank branch. You should be prepared to pro Bankrate·https://www.bankrate.com Best Home Equity Loan Lenders In August 2026 | Bankrate Explore top home equity loan lenders by comparing rates, features, and eligibility with Bankrate's trusted expert reviews. Bank of America·https://www.bankofamerica.com**Home Equity** Line of Credit (HELOC) from Bank of America Apply now for a home equity line of credit · Finish a saved application. Talk to a lending specialist. 866.290.4674 call lending specialist · Schedule an appointment with lending specialist. Already a Navy Federal Credit Union·https://www.navyfederal.org**Home Equity Loans** | Navy Federal Credit Union Navy Federal Credit Union has great rates on home equity loans, available to our members. Explore home equity options and learn more here. LendingTree·https://www.lendingtree.com**Home Equity Loan** Rates and Lenders in August 2026 | LendingTree Compare home equity loan interest rates and learn how to get the best rate offers. Browse our picks for top home equity loan lenders and get custom quotes. PNC Bank·https://www.pnc.com**Home Equity Loans** & Lines of Credit - PNC Bank Compare PNC's home equity options—HELOC, home equity loan, and cash-out refinance—to fund renovations, consolidate debt, or achieve other financial goals. NerdWallet·https://www.nerdwallet.com Best Home Equity Loan Lenders of August 2026 - NerdWallet See NerdWallet's picks for the best home equity loan lenders and find one that fits your needs. Rocket Mortgage·https://www.rocketmortgage.com What is a home equity loan ? | Rocket Mortgage A home equity loan is a second mortgage that allows you to use your home as collateral to borrow a lump sum. Read this complete guide to home equity loans. CNBC·https://www.cnbc.com Best Home Equity Loan Lenders of August 2026 - CNBC Best home equity loan lenders. Best for customer service: Rocket Mortgage; Best for low rates: Third Federal Savings and Loan; Best for a credit score under 680: TD Bank; Best for high borrowing · Bes Regions Bank·https://www.regions.com**Home Equity Loans** & Lines of Credit (HELOC) | Regions Bank Use your home equity to improve your home, consolidate debt or finance major expenses. Find out if a home equity loan or HELOC is right for you.

You can get a home equity loan from several types of lenders: banks, credit unions, mortgage lenders, and online lenders. A home equity loan lets you borrow against the value you’ve built in your home, usually as a lump sum with a fixed interest rate.

Places to compare:

• Your current mortgage lender or bank — often the easiest place to start because they already have your account history. Many large banks offer home equity loans or HELOCs.
• Credit unions — they can sometimes offer competitive rates and more personalized service. Examples include PenFed Credit Union and other local credit unions.
• Online home equity lenders — useful for rate comparisons and digital applications. Some lender rankings include Better Mortgage among notable home equity providers.
• Mortgage companies that specialize in home equity products — these may offer larger borrowing limits or specialized programs.

Before applying, compare:

• Interest rate and whether it is fixed
• Closing costs and fees
• Maximum loan-to-value ratio (how much of your home value you can borrow)
• Repayment term (often 5–30 years)
• Minimum credit score and debt-to-income requirements

A typical process:

1. Estimate your home equity: home value − remaining mortgage balance
2. Check your credit score and income documents
3. Get quotes from at least 3 lenders
4. Compare the total cost, not just the advertised rate

If you tell me your state, approximate home value, mortgage balance, and whether you want a lump sum loan or a HELOC, I can help narrow down good options.

You can get a home equity loan through national banks, credit unions, and specialized digital mortgage lenders . Top options include traditional institutions like U.S. Bank, PNC Bank , and Regions Bank , membership organizations like Navy Federal Credit Union , and online platforms such as Rocket Mortgage and SoFi.

Types of Lenders

• Traditional National Banks: Great if you prefer in-person service or already hold checking/savings accounts, which can sometimes unlock autopay or relationship interest-rate discounts.
• Credit Unions: Frequently provide the most competitive rates, lower overall fee structures, and personalized member servicing (e.g., Navy Federal Credit Union).
• Online & Fintech Lenders: Streamline the application process digitally, offering rapid pre-qualification and automated property valuations that reduce the need for physical appraisals.

Top Home Equity Lenders

If you share your approximate credit score and how much cash you need , I can help you decide between a traditional home equity loan or a HELOC.

You can get a home equity loan from several types of lenders:

1. Your current mortgage lender or bank

Start by asking the company that holds your mortgage. They already have your property information and may offer:

• Home equity loans (fixed lump sum)
• HELOCs (a revolving line of credit)

Examples of large lenders that offer home equity products include:

• BMO Bank — often cited among home equity lenders, including options for smaller loan amounts.
• U.S. Bank — offers home equity borrowing options.
• Bank of America — has home lending specialists who can discuss equity-access options.

2. Credit unions (often worth comparing)

Credit unions can have competitive rates, especially if you qualify for membership. In Southern California, examples include:

• California Credit Union — has branches in the Los Angeles area and offers lending products.
• California Credit Union — Carson branch serving local members.
• USC Credit Union — has offered California home equity products.

3. Mortgage brokers

A broker can shop multiple lenders for you, which may help if you have:

• A large loan request
• Self-employment income
• A lower credit score
• A complicated financial situation

4. Online lenders

Online lenders can make comparison shopping easier, but check:

• Origination fees
• Closing costs
• Whether the rate is fixed or variable
• Prepayment penalties

What lenders usually look at

Most lenders consider:

• Home equity: commonly, they limit borrowing to a percentage of your home’s value minus your existing mortgage
• Credit score
• Income and debt-to-income ratio
• Property type and occupancy

Current home equity loan pricing varies widely by borrower and lender; recent averages have been around the low-to-mid 8% range, with some borrowers qualifying for lower rates depending on credit and equity.

Since you appear to be in the Los Angeles area, I can also help you compare local banks/credit unions near you or estimate how much you might qualify to borrow if you tell me:

1. your home value,
2. your remaining mortgage balance, and
3. your approximate credit score.

You can get a home equity loan (HELOAN) from several types of financial institutions. Where you should go depends on whether you prefer traditional in-person service, digital speed, or special membership perks.

Types of Lenders

• Traditional National and Regional Banks: Large banks like U.S. Bank, PNC Bank, Fifth Third Bank , and TD Bank offer competitive fixed-rate home equity loans. If you already have a checking or savings account with a major bank, check with them first—they often provide relationship discounts that lower your interest rate.
• Credit Unions: Institutions like Navy Federal Credit Union (for military and families) or Connexus Credit Union frequently offer lower interest rates and lower fee structures because they operate as non-profits.
• Online-Only Lenders: Fintech lenders like Figure or Spring EQ specialize in rapid, entirely digital applications, automated home valuations (sometimes skipping the in-person appraisal), and fast funding.
• Specialty Lenders: Companies like Third Federal Savings and Loan are well-known for offering highly competitive fixed home equity loan rates with flexible terms.

What You Need to Qualify

Before applying, keep in mind that most lenders generally require:

• Sufficient Equity: Typically, you can borrow up to 80% to 85% of your home's appraised value minus what you still owe on your primary mortgage (though a few lenders allow higher combined loan-to-value ratios).
• Credit Score: A FICO score of 660 or higher is standard for the best rates, though some alternative or online lenders accept lower scores.
• Debt-to-Income (DTI) Ratio: Lenders will verify your income and existing debt to ensure you can comfortably handle the new fixed monthly payment.

If you'd like to narrow down your options, let me know:

• How much you are looking to borrow
• Your estimated credit score range
• If you prefer an online-only experience or a local brick-and-mortar bank/credit union

I can give you a better idea of which institutions fit your profile best.

If you’re looking in the Dallas area, you have several good places to shop for a home equity loan. Current advertised Texas rates vary widely by lender and borrower; recent Dallas data shows some credit unions advertising rates in the mid-4% to mid-5% range, while the broader national average is around 8.1%.

Places I’d check first

• Neighborhood Credit Union — Particularly worth checking because recent Dallas-area rate data showed a 4.54% advertised rate for a first-lien home equity loan and 5.54% for a second-lien loan.
• America's Credit Union — Local credit union with home-equity lending and Dallas branches.
• HomeTown Lending — Dallas mortgage broker that offers home-equity products and can potentially shop multiple lenders.
• PNC Mortgage — Major-bank option with home-equity lending.
• Chase Home Lending — Worth comparing if you already bank with Chase.

My suggestion: get quotes from 2–3 credit unions plus one mortgage broker/bank rather than going with the first lender. Compare the APR, closing costs, maximum loan-to-value, and fixed rate, not just the advertised interest rate.

One important Texas wrinkle: Texas generally limits home-equity borrowing to 80% of the home's value, minus existing liens, so your available amount can be lower than you might expect.

If you tell me (1) your home's approximate value, (2) what you currently owe on the mortgage, (3) how much you want to borrow, and (4) roughly your credit score, I can narrow this down and tell you which lenders I'd apply to first and what rate/terms you should be looking for.