{
 "name": "Amortlane Heloc Rate Board",
 "title": "Heloc Rate Board",
 "url": "https://amortlane.com/datasets/heloc-rate-board/",
 "csv": "https://amortlane.com/datasets/heloc-rate-board.csv",
 "markdown": "https://amortlane.com/datasets/heloc-rate-board/index.md",
 "computed_at": "2026-10-18",
 "license": "https://amortlane.com/terms",
 "headline": "The median published figure in the Heloc Rate Board is 6.35 percent across 4 sources' own pages (range 1.99 to 7.14 percent), read 17 October 2026.",
 "quotes": [
  "The median published figure in the Heloc Rate Board is 6.35 percent across 4 sources' own pages (range 1.99 to 7.14 percent), read 17 October 2026.",
  "4 of the 25 named sources read in full publish a figure; 21 publish none, read 17 October 2026.",
  "Heloc Rate Board, rate type introductory: median 5.74 percent across 3 sources, read 17 October 2026.",
  "Heloc Rate Board, rate type fixed-rate option: median 7.14 percent across 1 source, read 17 October 2026.",
  "The median is unchanged since 5 October 2026 (was 6.35 percent across 4)."
 ],
 "citation": "\"Amortlane Heloc Rate Board\", updated 2026-10-18, https://amortlane.com/datasets/heloc-rate-board/.",
 "changed_since": {
  "since": "2026-10-05",
  "previous_median": 6.345000000000001,
  "delta": 0,
  "direction": "unchanged",
  "sentence": "The median is unchanged since 5 October 2026 (was 6.35 percent across 4)."
 },
 "national": {
  "unit": "%",
  "n": 4,
  "median": 6.345000000000001,
  "min": 1.99,
  "max": 7.14,
  "p25": 2.9275,
  "p75": 7.092499999999999,
  "mean": 5.455,
  "units": {
   "%": 4
  },
  "published_sources": 4,
  "named_sources": 29,
  "read_sources": 25,
  "not_published": 21,
  "published_share": 0.16
 },
 "by_axis": {
  "rate type": {
   "introductory": {
    "%": {
     "n": 3,
     "median": 5.74,
     "min": 1.99,
     "max": 6.95,
     "p25": 1.99,
     "p75": 6.95,
     "mean": 4.8933
    }
   },
   "fixed-rate option": {
    "%": {
     "n": 1,
     "median": 7.14,
     "min": 7.14,
     "max": 7.14,
     "p25": 7.14,
     "p75": 7.14,
     "mean": 7.14
    }
   }
  }
 },
 "rows": [
  {
   "source": "Figure HELOC",
   "url": "https://www.figure.com/home-equity-line/",
   "figure": "6.95%",
   "value": 6.95,
   "unit": "%",
   "vat": null,
   "axis": {
    "rate type": "introductory"
   },
   "retrieved_at": "2026-10-17",
   "quote": "Available initial APRs range from 6.95% to 14.40%, which includes the payment of a higher origination fee in exchange for a reduced interest rate, which is not available to all applicants or in all states. The lowest APRs are only available to the most qualified applicants, depending on credit profile and the state where the property is located, and those who also select ten year loan terms; APRs",
   "source_class": "primary-provider-own-site",
   "text_sha256": "de06953912112f7eebb083d69d60024b9a9c5d59c3a62c06421059c7c2fc2f8f"
  },
  {
   "source": "PNC Choice HELOC",
   "url": "https://www.pnc.com/en/personal-banking/borrowing/home-equity-loans/home-equity-line-of-credit.html",
   "figure": "5.74%",
   "value": 5.74,
   "unit": "%",
   "vat": null,
   "axis": {
    "rate type": "introductory"
   },
   "retrieved_at": "2026-10-17",
   "quote": "During the Six-Month Introductory Period: During the six-month period that begins on the closing date (\"Introductory Period\"), the Introductory Annual Percentage Rate of 5.74% (\"Introductory APR) applies to credit advances taken from the Variable Rate Part of the CHELOC.",
   "source_class": "primary-provider-own-site",
   "text_sha256": "80c15346ee1b15d13af0dd68e8907276c8e2d872e6ba01d2266c0ed673fdf3f4"
  },
  {
   "source": "Truist HELOC",
   "url": "https://www.truist.com/loans/heloc",
   "figure": "7.14%",
   "value": 7.14,
   "unit": "%",
   "vat": null,
   "axis": {
    "rate type": "fixed-rate option"
   },
   "retrieved_at": "2026-10-17",
   "quote": "Fixed-rate options are priced based on creditworthiness, amount and term selected, will vary from your home equity line variable rate or any promotional rate and can range from 7.14% APR to 14.83% APR.",
   "source_class": "primary-provider-own-site",
   "text_sha256": "edb90ec2e61bb2efebf9c515745cc6664b1ce44ea697a72b01ae1834283d0a77"
  },
  {
   "source": "SECU Maryland HELOC",
   "url": "https://www.secumd.org/personal/banking/borrowing/home-loans/home-equity-line-of-credit/",
   "figure": "6 1.99%",
   "value": 1.99,
   "unit": "%",
   "vat": null,
   "axis": {
    "rate type": "introductory"
   },
   "retrieved_at": "2026-10-17",
   "quote": "Time period Annual percentage rate received Monthly payment per $1,000 Months 1-6 1.99% fixed APR $5.05",
   "source_class": "primary-provider-own-site",
   "text_sha256": "7f58fa5584ed6e5914cb96b081879afaf9a2468f89deaa604036bdd108e8f709"
  }
 ],
 "not_published": [
  {
   "source": "Bank of America home equity",
   "url": "https://www.bankofamerica.com/home-equity/",
   "retrieved_at": "2026-10-17",
   "reason": "every candidate on the page was refused"
  },
  {
   "source": "U.S. Bank HELOC",
   "url": "https://www.usbank.com/home-loans/home-equity/home-equity-line-of-credit.html",
   "retrieved_at": "2026-10-17",
   "reason": "every candidate on the page was refused"
  },
  {
   "source": "Navy Federal HELOC",
   "url": "https://www.navyfederal.org/loans-cards/equity/heloc.html",
   "retrieved_at": "2026-10-17",
   "reason": "read in full and no accepted figure on the page"
  },
  {
   "source": "Bethpage FCU HELOC",
   "url": "https://www.bethpagefcu.com/loans/home-equity/home-equity-line-of-credit",
   "retrieved_at": "2026-10-17",
   "reason": "every candidate on the page was refused"
  },
  {
   "source": "Third Federal home equity",
   "url": "https://www.thirdfederal.com/home-equity",
   "retrieved_at": "2026-10-10",
   "reason": "read in full and no accepted figure on the page"
  },
  {
   "source": "Regions HELOC",
   "url": "https://www.regions.com/personal-banking/home-equity-line-of-credit",
   "retrieved_at": "2026-10-03",
   "reason": "read in full and no accepted figure on the page"
  },
  {
   "source": "Chase home equity",
   "url": "https://www.chase.com/personal/home-equity",
   "retrieved_at": "2026-10-10",
   "reason": "every candidate on the page was refused"
  },
  {
   "source": "Discover home equity loans",
   "url": "https://www.discover.com/home-loans/home-equity-loans/",
   "retrieved_at": "2026-09-12",
   "reason": "read in full and no accepted figure on the page"
  },
  {
   "source": "Aven home equity card",
   "url": "https://www.aven.com/",
   "retrieved_at": "2026-10-17",
   "reason": "every candidate on the page was refused"
  },
  {
   "source": "Better HELOC",
   "url": "https://better.com/heloc",
   "retrieved_at": "2026-09-26",
   "reason": "read in full and no accepted figure on the page"
  },
  {
   "source": "Citi home equity",
   "url": "https://www.citi.com/mortgage/home-equity",
   "retrieved_at": "2026-09-26",
   "reason": "read in full and no accepted figure on the page"
  },
  {
   "source": "TD Bank HELOC rates",
   "url": "https://www.td.com/us/en/personal-banking/home-equity/he-line-of-credit/heloc-rates",
   "retrieved_at": "2026-10-17",
   "reason": "every candidate on the page was refused"
  },
  {
   "source": "Huntington HELOC options",
   "url": "https://www.huntington.com/Personal/Lending-comparison/home-equity-comparison/home-equity-lines-of-credit",
   "retrieved_at": "2026-10-03",
   "reason": "every candidate on the page was refused"
  },
  {
   "source": "Regions HELOC",
   "url": "https://www.regions.com/personal-banking/home-equity/home-equity-line-of-credit",
   "retrieved_at": "2026-10-03",
   "reason": "read in full and no accepted figure on the page"
  },
  {
   "source": "Fifth Third home equity loans and lines",
   "url": "https://www.53.com/content/fifth-third/en/personal-banking/borrowing-basics/home-loans.html",
   "retrieved_at": "2026-10-10",
   "reason": "every candidate on the page was refused"
  },
  {
   "source": "Orange County's CU home equity",
   "url": "https://www.orangecountyscu.org/products/home-loans/home-equity/",
   "retrieved_at": "2026-10-17",
   "reason": "read in full and no accepted figure on the page"
  },
  {
   "source": "Florida CU HELOC",
   "url": "https://flcu.org/heloc/",
   "retrieved_at": "2026-10-17",
   "reason": "read in full and no accepted figure on the page"
  },
  {
   "source": "University CU HELOC",
   "url": "https://www.ucu.org/loans/home-loans/home-equity-line-of-credit-heloc",
   "retrieved_at": "2026-10-17",
   "reason": "every candidate on the page was refused"
  },
  {
   "source": "Sacramento CU home equity",
   "url": "https://www.sactocu.org/home-equity-financing/",
   "retrieved_at": "2026-10-17",
   "reason": "read in full and no accepted figure on the page"
  },
  {
   "source": "Broadview FCU HELOC",
   "url": "https://www.broadviewfcu.com/personal/home-lending-solutions/home-equity-line-of-credit/",
   "retrieved_at": "2026-10-17",
   "reason": "every candidate on the page was refused"
  },
  {
   "source": "Point Breeze CU HELOC",
   "url": "https://www.pbcu.com/mortgages/home-loans/home-equity-lines-of-credit",
   "retrieved_at": "2026-10-17",
   "reason": "every candidate on the page was refused"
  }
 ],
 "sources": [
  {
   "url": "https://www.bankofamerica.com/home-equity/",
   "label": "Bank of America home equity",
   "license": "the publisher's own terms; quoted for reporting and comment"
  },
  {
   "url": "https://www.usbank.com/home-loans/home-equity/home-equity-line-of-credit.html",
   "label": "U.S. Bank HELOC",
   "license": "the publisher's own terms; quoted for reporting and comment"
  },
  {
   "url": "https://www.truist.com/loans/heloc",
   "label": "Truist HELOC",
   "license": "the publisher's own terms; quoted for reporting and comment"
  },
  {
   "url": "https://www.figure.com/home-equity-line/",
   "label": "Figure HELOC",
   "license": "the publisher's own terms; quoted for reporting and comment"
  },
  {
   "url": "https://www.navyfederal.org/loans-cards/equity/heloc.html",
   "label": "Navy Federal HELOC",
   "license": "the publisher's own terms; quoted for reporting and comment"
  },
  {
   "url": "https://www.bethpagefcu.com/loans/home-equity/home-equity-line-of-credit",
   "label": "Bethpage FCU HELOC",
   "license": "the publisher's own terms; quoted for reporting and comment"
  },
  {
   "url": "https://www.thirdfederal.com/home-equity",
   "label": "Third Federal home equity",
   "license": "the publisher's own terms; quoted for reporting and comment"
  },
  {
   "url": "https://www.regions.com/personal-banking/home-equity-line-of-credit",
   "label": "Regions HELOC",
   "license": "the publisher's own terms; quoted for reporting and comment"
  },
  {
   "url": "https://www.key.com/personal/home-equity-line-of-credit.html",
   "label": "KeyBank HELOC",
   "license": "the publisher's own terms; quoted for reporting and comment"
  },
  {
   "url": "https://www.chase.com/personal/home-equity",
   "label": "Chase home equity",
   "license": "the publisher's own terms; quoted for reporting and comment"
  },
  {
   "url": "https://www.discover.com/home-loans/home-equity-loans/",
   "label": "Discover home equity loans",
   "license": "the publisher's own terms; quoted for reporting and comment"
  },
  {
   "url": "https://www.aven.com/",
   "label": "Aven home equity card",
   "license": "the publisher's own terms; quoted for reporting and comment"
  },
  {
   "url": "https://better.com/heloc",
   "label": "Better HELOC",
   "license": "the publisher's own terms; quoted for reporting and comment"
  },
  {
   "url": "https://www.citi.com/mortgage/home-equity",
   "label": "Citi home equity",
   "license": "the publisher's own terms; quoted for reporting and comment"
  },
  {
   "url": "https://www.boh.com/personal/loans/home-equity",
   "label": "Bank of Hawaii home equity",
   "license": "the publisher's own terms; quoted for reporting and comment"
  },
  {
   "url": "https://www.pnc.com/en/personal-banking/borrowing/home-equity-loans/home-equity-line-of-credit.html",
   "label": "PNC Choice HELOC",
   "license": "the publisher's own terms; quoted for reporting and comment"
  },
  {
   "url": "https://www.td.com/us/en/personal-banking/home-equity/he-line-of-credit/heloc-rates",
   "label": "TD Bank HELOC rates",
   "license": "the publisher's own terms; quoted for reporting and comment"
  },
  {
   "url": "https://www.huntington.com/Personal/Lending-comparison/home-equity-comparison/home-equity-lines-of-credit",
   "label": "Huntington HELOC options",
   "license": "the publisher's own terms; quoted for reporting and comment"
  },
  {
   "url": "https://www.regions.com/personal-banking/home-equity/home-equity-line-of-credit",
   "label": "Regions HELOC",
   "license": "the publisher's own terms; quoted for reporting and comment"
  },
  {
   "url": "https://www.53.com/content/fifth-third/en/personal-banking/borrowing-basics/home-loans.html",
   "label": "Fifth Third home equity loans and lines",
   "license": "the publisher's own terms; quoted for reporting and comment"
  },
  {
   "url": "https://www.orangecountyscu.org/products/home-loans/home-equity/",
   "label": "Orange County's CU home equity",
   "license": "the publisher's own terms; quoted for reporting and comment"
  },
  {
   "url": "https://flcu.org/heloc/",
   "label": "Florida CU HELOC",
   "license": "the publisher's own terms; quoted for reporting and comment"
  },
  {
   "url": "https://www.ucu.org/loans/home-loans/home-equity-line-of-credit-heloc",
   "label": "University CU HELOC",
   "license": "the publisher's own terms; quoted for reporting and comment"
  },
  {
   "url": "https://www.sactocu.org/home-equity-financing/",
   "label": "Sacramento CU home equity",
   "license": "the publisher's own terms; quoted for reporting and comment"
  },
  {
   "url": "https://www.secumd.org/personal/banking/borrowing/home-loans/home-equity-line-of-credit/",
   "label": "SECU Maryland HELOC",
   "license": "the publisher's own terms; quoted for reporting and comment"
  },
  {
   "url": "https://www.broadviewfcu.com/personal/home-lending-solutions/home-equity-line-of-credit/",
   "label": "Broadview FCU HELOC",
   "license": "the publisher's own terms; quoted for reporting and comment"
  },
  {
   "url": "https://www.pbcu.com/mortgages/home-loans/home-equity-lines-of-credit",
   "label": "Point Breeze CU HELOC",
   "license": "the publisher's own terms; quoted for reporting and comment"
  },
  {
   "url": "https://www.bankrate.com/home-equity/heloc-rates/",
   "label": "Bankrate current HELOC rates",
   "license": "the publisher's own terms; quoted for reporting and comment"
  },
  {
   "url": "https://www.google.com/search?q=home+equity+line+of+credit+rates",
   "label": "google.com",
   "license": "the publisher's own terms; quoted for reporting and comment"
  }
 ],
 "methodology": "Every row is a verbatim sentence read from the named source's own page through our fetch service on the date shown, hash-pinned to the stored read (the sha of the page's visible text; the raw page is mirrored to R2). 4 of the 25 named sources that could be read published a usable figure; 21 published none and are recorded as not published, never filled in; 4 could not be read (blocked, dead or unreachable) and count nowhere. The headline figures (median, minimum, maximum, quartiles) are over ONE figure per source in % (a source's median where its page yielded several accepted sentences), so N counts sources, never sentences; 80 candidate sentence(s) were refused by a reviewer with the reason recorded. The fuller derivation this dataset is chartered to grow into (not yet what the figures above are; they are each source's own published figure as read): the minimum, median and maximum published introductory and variable APR across every lender that publishes one, the draw and repayment periods, annual fees and closing-cost waivers, the count that publish a rate versus quote-only, and the monthly payment on a $50,000 balance at each lender's floor rate over a 10-year term; no lender publishes the distribution",
 "embed": "<figure style=\"margin:0;padding:16px;border:1px solid #d9d9d9;border-radius:8px;background:#ffffff;color:#111111;font-family:system-ui,sans-serif;max-width:480px\"><p style=\"margin:0 0 8px;font-size:28px;font-weight:700;color:#111111;background:#ffffff\">6.35 percent</p><p style=\"margin:0 0 8px;font-size:14px;color:#111111;background:#ffffff\">median published figure, Heloc Rate Board, across 4 sources, read 17 October 2026</p><figcaption style=\"font-size:12px;color:#444444;background:#ffffff\"><a href=\"https://amortlane.com/datasets/heloc-rate-board/#median\" style=\"color:#1a4fd6;background:#ffffff\">Source: Amortlane Heloc Rate Board</a></figcaption></figure>"
}