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Featured Home Equity Rates in Pennsylvania

• Lender

  APR(%)

  Min.Initial Draw Amount

  Learn More

• Sponsored

  Advertiser Disclosure

• Upstart Home Lending NMLS ID: 2443873 / Updated 2026-04-03

  As low as 6.52% APR on your initial draw*

  $0

  As low as 6.52% APR on your initial draw* Get your money up to 15x faster than the industry standard** Fixed rate on each draw ** No paperwork needed to apply Learn More

• Third Federal Savings and Loan NMLS ID: 449401 / Updated 2026-03-04 Equal Housing Lender

  Intro APR: 6.240 % After Intro:6.240 %

  $0

  Third Federal rate are typically 20% lower than other leaders Guaranteed Lowest Rate No closing costs, prepayment penalties, or minimum draw requirements 10 year draw period Learn More

• Farmers Bank of Kansas City NMLS ID: 613839 / Updated 2026-03-20 Equal Housing Lender

  Intro APR: 6.750 % After Intro:6.750 %

  $25,000

  Customized Rate Quote 24/7 Online Borrower Portal Streamlined Online Application Up to 100% LTV Learn More

• Owning.com NMLS ID: 2611 / Updated 2026-03-26 Equal Housing Lender

  Intro APR: 6.829 % After Intro:6.829 %

  $25,000

  Apply in 5 minutes, get your money in as fast as 5 days. Digital application experience. Funds directly to your bank account. No in-person appraisal needed. Learn More

• Rate.com NMLS ID: 2611 / Updated 2026-03-26 Equal Housing Lender

  Intro APR: 6.832 % After Intro:6.832 %

  $25,000

  Nation's #2 retail mortgage lender in 2024. Apply in 5 minutes, get your money in as fast as 5 days. Digital application experience. No in-person appraisal needed. Learn More

• Reliant Home Funding, Inc NMLS ID: 292473 / Updated 2025-09-22

  Intro APR: 6.950 % After Intro:6.950 %

  $15,000

  Relationships Rule: Transactions end, Relationships remain Accountability is Personal: Reflection before Projection Service through Knowledge: Great service means great understanding Evolve to Excel: We need to adapt and improve to succeed Learn More

• Valley Strong Credit Union NMLS ID: 456506 / Updated 2025-10-29 Equal Housing Lender

  Intro APR: 6.950 % After Intro:6.950 %

  $15,000

  Get your offer in 5 minutes and funding in as few as 5 days Personalized banking solutions to help reach your financial goals Up to $400K Terms of 10,15, or 30 years Learn More

• Figure Home Equity NMLS ID: 1717824 / Updated 2025-09-22

  Intro APR: 6.950 % After Intro:6.950 %

  $15,000

  Flexible terms, borrow $15K-$750K, redraw up to 100% Use to consolidate debt or finance your next home project 100% digital app & automated valuation Largest non-bank HELOC lender in the US Learn More

• Achieve Loans NMLS ID: 1810501 / Updated 2026-04-02

  Intro APR: 6.990 % After Intro:6.990 %

  $0

  Competitive rates, Pre-qualify in minutes Mortgage Advisors standing by to help find the best solution Flexible terms with fast funding Minimum credit score: 600 Learn More

• Four Leaf Federal Credit Union NMLS ID: 449104 / Updated 2025-12-22

  Intro APR: 5.990 % After Intro:7.000 % Intro Period: 12 months

  $25,000

  Tap into your home's equity & access the funds you need with a HELOC Apply online or speak with a specialist No application, origination & appraisal fees on lines up to $500K Learn More

• Upstart Home Lending NMLS ID: 2443873 / Updated 2026-02-11

  Intro APR: 7.770 % After Intro:7.770 %

  $20,800

  As low as 6.52% APR on your initial draw* Get your money up to 10x faster than the industry standard** Fixed rate on each draw** No paperwork needed to apply Learn More

• AmeriSave Mortgage Corporation NMLS ID: 1168 / Updated 2026-04-03

  Home Equity Loans & Refinance – Cash out

  $0

  Home Equity Loans & Refinance – Cash out Customized rate quote with no impact to credit Low Rates, Quick Approvals, Wide Range of Products Over 100 Billion Funded. 22 Years in Business Learn More

• Renofi NMLS ID: 1802847 / Updated 2026-04-03

  Renovating? Work with experts in renovation financing

  $0

  Renovating? Work with experts in renovation financing Borrow up to 125% on your current home value to finance renovations Loans up to $750k with competitive rates from Credit Unions Borrow more than a typical HELOC Learn More

• Refi.com NMLS ID: 1907 / Updated 2026-04-03 Equal Housing Lender

  Access your home’s equity without replacing your current mortgage

  $0

  Access your home’s equity without replacing your current mortgage Put your home’s equity to work on your terms Flexible funds for renovations, debt consolidation, or major expenses Refi.com connects you with home equity lending specialists Learn More

• Figure Home Equity Line NMLS ID: 1717824 / Updated 2026-04-03 Equal Housing Lender

  HELOC approval in 5 minutes, funding in 5 days. Borrow up to $750k online.

  $0

  Fastest way to turn home equity into cash Flexible terms, redraw up to 100%, borrow $15k-$750k Approval in as little as 5 minutes. Funding in as few as 5 days. Use to consolidate debt or finance your next home project Learn More

• Point Digital Finance NMLS ID: Not a Lender / Updated 2026-04-03

  Get up to $600k with no monthly payments, ever.

  $0

  Use your funds your way No income verification - ideal for self-employment or retirement planning Enjoy maximum flexibility - 30 year term, no prepayment penalties Home Equity Investments are not considered a loan in all states Learn More

• Unlock Technologies, Inc. NMLS ID: Not a Lender / Updated 2026-04-03

  Get cash now in exchange for a percentage of your homes future equity.

  $0

  No monthly payments or interest charges Minimum Credit score: 500 Access up to $500k No need to refinance Learn More

• Rate data provided by RateUpdate.com. Displayed by Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details .

Featured 30-Year Fixed Mortgage Rates in Pennsylvania

• Lender

  APR(%)

  Monthly Payment

  Learn More

• Sponsored

  Advertiser Disclosure

• Pentagon Federal Credit Union NMLS ID: 401822

  0.000%

  $0 Fees & Points $0 Total 0.000 Pts ($0) $0 Fees

  Fixed rate is locked-in for the life of the loan PenFed makes home ownership affordable. Federally insured by NCUA Military service is not required for membership. Equal Housing Lender Learn More

• Optimum First Inc NMLS ID: 240415

  5.761%

  $1,843 Fees & Points $4,808 Total 0.879 Pts ($2,813) $1,995 Fees

  fill in Learn More

• SimpLend Mortgage,LLC NMLS ID: 2558881 License#: 107349

  5.979%

  $1,893 Fees & Points $3,818 Total 0.625 Pts ($2,000) $1,818 Fees

  Simplified Process- We streamline the experience, reducing complexity. Personalized Service- We're committed to a solution that fits your needs. Expert Guidance- Benefit from decades of experience in the industry. Learn More

• Reliant Home Funding, Inc. NMLS ID: 292473

  5.981%

  $1,893 Fees & Points $3,662 Total 0.521 Pts ($1,667) $1,995 Fees

  Relationships Rule: Transactions end, Relationships remain Accountability is Personal: Reflection before Projection Service through Knowledge: Great service means great understanding Learn More

• Mutual of Omaha Mortgage, Inc. NMLS ID: 1025894

  6.136%

  $1,893 Fees & Points $9,072 Total 0.710 Pts ($2,272) $6,800 Fees

  A brand you know and trust Quick and efficient process Mortgage products to fit your needs Learn More

• Beeline Loans, Inc. NMLS ID: 1799947

  6.190%

  $1,945 Fees & Points $2,227 Total 0.696 Pts ($2,227) $0 Fees

  Apply in less than 10 minutes. Fast, stress-free closing in as little as 16 days More loan types so you’re more likely to qualify Learn More

• Revix NMLS ID: 2684156

  6.238%

  $1,945 Fees & Points $3,975 Total 0.871 Pts ($2,787) $1,188 Fees

  Refi faster and cut your monthly cost Learn More

• West Capital Lending NMLS ID: 1566096

  6.241%

  $1,945 Fees & Points $3,951 Total 0.830 Pts ($2,656) $1,295 Fees

  Let's CrunchtheNumbers and See if a Refinance Makes Sense for You Learn More

• Northpointe Bank NMLS ID: 447490

  6.247%

  $1,945 Fees & Points $4,176 Total 0.869 Pts ($2,781) $1,395 Fees

  Great Rates Personal Service FDIC insured banking institution. Learn More

• Refi.com NMLS ID: 1907 License#: Pennsylvania

  6.327%

  $1,971 Fees & Points $2,602 Total 0.813 Pts ($2,602) $0 Fees

  Lower your monthly mortgage payment with a streamlined refinance Keep more money in your pocket by rolling closing costs into your loan Maximize your savings with custom options that fit your financial goals Learn More

• PenFed Credit Union NMLS ID: 401822

  6.403%

  $1,971 Fees & Points $5,195 Total 1.000 Pts ($3,200) $1,995 Fees

  Let PenFed Bring You Home With Confidence Benefits before and after you refinance Lower your payment, get cash out, and more Learn More

• SoFi NMLS ID: 696891

  6.619%

  $2,021 Fees & Points $4,301 Total 0.877 Pts ($2,806) $1,495 Fees

  Get pre-qualified in minutes Simple, online application Customize your monthly payment to fit your budget Learn More

• Quicken Loans NMLS ID: 167283

  Fees & Points Total Pts ($0) $0 Fees

  Your home's value could help you save. Turn your equity into opportunity. Calculate your home equity loan options with lenders. Learn More

• AmeriSave Mortgage Corporation NMLS ID: 1168 License#: 21638

  Fees & Points Total Pts ($0) $0 Fees

  Low rates, quick quote & approval 92% of clients discover savings in Real savings, real fast - $1100 avg monthly savings Learn More

• CrossCountry Mortgage NMLS ID: 3029

  Fees & Points Total Pts ($0) $0 Fees

  "America's #1 Retail Lender (Scottsman Guide)" "Financing 1 and every 36 homes" "Over 20,000 Five Star Reviews On Zillow" Learn More

• Beeline Loans, Inc. NMLS ID: 1799947

  Fees & Points Total Pts ($0) $0 Fees

  Apply in less than 10 minutes. Fast, stress-free closing in as little as 16 days More loan types so you’re more likely to qualify Learn More

• Rocket Mortgage NMLS ID: 3030

  Fees & Points Total Pts ($0) $0 Fees

  Turn home equity you've earned into cash Single, convenient monthly payments Reduce interest with shorter loan terms Learn More

• Veterans United Home Loans NMLS ID: 1907

  Fees & Points Total Pts ($0) $0 Fees

  Refinance to lower your rate Free up room in your budget by paying off high-interest debt Explore 350,000+ 5-star reviews Learn More

• Rate data provided by RateUpdate.com. Displayed by Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details .