Home Equity Loans in New York, NY

If you own a home in New York, NY, you could tap into its equity to fund your goals. Whether it’s renovating your space or consolidating debt, comparing home equity loan offers helps you find the best rates and terms that fit your budget.

Local lenders in New York understand your needs and offer personalized support to make the process simple. Take a moment to explore your options and see how unlocking your home’s equity can provide fast, flexible funding right in your neighborhood.

Filters

Lender
APR
Term
Max Amount
CLTV
Link
Info
broadviewfcu
5 - 6.25 %
5 - 25 Yrs
90 %
∞
dcu
5 - 7.5 %
20 Yrs
∞
firsttechfed
5 - 8 %
20 Yrs
∞
empowerfcu
5.24 - 6.75 %
15 Yrs
∞
sdfcu
5.24 - 8.5 %
20 Yrs
90 %
∞
summitfcu
5.65 - 7.75 %
15 Yrs
∞
northcountry
5.7 - 6.25 %
15 Yrs
80 %
∞
fsource
5.74 - 7.24 %
0.1 - 1.7 Yrs
80 %
∞
hvcu
5.75 - 6.5 %
7 Yrs
80 %
∞
affinityplus
5.898 - 8.468 %
5 - 15 Yrs
90 %
∞

Today’s Home Equity Loan Rates & Analysis - Updated on 2026-SEP-04

Credit Union Loan Rates - Trends & Analysis:

Broadview has a HELOC with an APR range of 3.99% to 6.25% today. These rates have stayed the same compared to 7, 30, 60, and 90 days ago. There's no change in the APR for this product over the past three months. Digital has a Home Equity rate range of 5% to 6.5% today, which is down from 6.99% to 7.74% seven, 30, 60, and 90 days ago. Its HELOC rates are 6% to 7.5% now, also lower than the 6.75% to 8.49% range seen over the past 90 days. Both products show a decrease compared to the past month and earlier.

First Technology has a Home Equity rate range of 5% to 8% today, unchanged from it was 7, 30, 60, and 90 days ago. Their HELOC rates are between 6.75% and 6.88% now, unchanged from 7 and 30 days ago but slightly higher than 60 and 90 days ago when the range was 6.62% to 6.75% . Empower has a Home Equity loan with an APR range of 5.24% to 6.24% , unchanged from it was 7, 60, and 90 days ago. Their HELOC rate is 6.75% , also unchanged from 7, 60, and 90 days ago. Both rates have stayed steady over the past three months.

State Department has a Home Equity rate range of 5.24% to 8.5% today, unchanged from 7, 30, and 60 days ago but higher than 90 days ago when the top rate was 7.75% . Its HELOC rate is steady at 6.25% with no changes over the past 7, 30, 60, or 90 days. The Summit's Home Equity loan has an APR range of 5.65% to 7.6% today, unchanged from 7, 30, and 60 days ago but higher than 90 days ago. The HELOC rate is between 6.75% and 7.75% , unchanged from the past 90 days except for a much lower rate 90 days ago.

North Country has a HELOC with an APR range of 5.7% to 6.25% today, unchanged from 7, 30, and 60 days ago. This rate is lower than it was 90 days ago when the top of the range was 6.25% . First Source has a HELOC with an APR range of 2.99% to 6.5% , unchanged from 7, 30, and 60 days ago. Their Home Equity loan shows an APR range of 4.74% to 7.24% , also unchanged from the past week and month. Both products have steady rates over the last two months. Hudson Valley has a Home Equity rate range of 5.75% to 6.5% today, unchanged from it was 7, 30, and 60 days ago. The HELOC rate is 6.5% now and has not changed from 7, 30, or 60 days ago, but it was lower and more varied 90 days ago at 4.5% to 7% .

Affinity Plus has a Home Equity rate range of 5.9% –6.39% today, unchanged from 7 and 60 days ago but higher than 30 days ago. The HELOC rate is 6.22% , steady from 7 and 60 days ago and up from 30 days ago. Solar loans match the Home Equity range and show the same pattern. Improvement loans have a rate range of 7.66% –8.47% , also unchanged from 7 and 60 days ago but up from 30 days ago.

🏦 Local Lenders in New York, NY

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🏘️ All the Lenders Available in New York County, NY

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Why compare Home Equity Loans in New York, NY on LendMesh

If you’re exploring ways to tap into the equity in your New York, NY home, keep comparing offers on LendMesh to find the best loan terms tailored to your needs. Taking the time to review multiple lenders can reveal cheaper rates and more flexible options, helping you unlock your home’s value without settling for less. Stay informed and patient—it pays off in smarter borrowing decisions.

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