Home Equity Loans in San Francisco, CA

Looking to tap into your home’s value in San Francisco, CA? Compare local equity refinance offers to find competitive rates and terms that fit your needs. Whether for home upgrades or consolidating debt, you can get fast funding with lenders who understand the Bay Area market.

Refinancing your home equity in San Francisco means working with trusted lenders who prioritize clear terms and friendly service. Start comparing today to unlock your home’s potential and take the next step toward your financial goals with confidence and ease.

Filters

Lender
APR
Term
Max Amount
CLTV
Link
Info
ccu
4 - 12 %
10 - 20 Yrs
∞
pacificservice
4.99 - 9.99 %
15 Yrs
90 %
∞
firsttechfed
5 - 8 %
20 Yrs
∞
sdfcu
5.24 - 8.5 %
20 Yrs
90 %
∞
1stunitedcu
5.5 - 6.556 %
10 Yrs
80 %
∞
affinityplus
5.898 - 8.468 %
5 - 15 Yrs
90 %
∞
bcu
6 - 6.75 %
∞
nasafcu
6 - 8.75 %
5 - 20 Yrs
95 %
∞
sffirecu
6.25 %
15 Yrs
80 %
∞
university-credit-union
6.25 %
10 - 20 Yrs
80 %
∞

Today’s Home Equity Loan Rates & Analysis - Updated on 2026-AUG-28

Credit Union Loan Rates - Trends & Analysis:

California has a HELOC with an APR range of 4% to 12% today. This is lower than the 5.99% to 9.25% range from 7, 30, 60, and 90 days ago. The rates have dropped compared to all those past periods. Pacific Service has a Home Equity loan with an APR range of 4.99% to 9.99% today, unchanged from it was 7, 30, 60, and 90 days ago. Their HELOC rates are between 6.75% and 8.75% , also unchanged over the past 90 days. Both products show steady rates with no increases or decreases recently.

First Technology has a Home Equity rate range of 5% to 8% today, unchanged from 7 and 30 days ago but slightly lower than 60 days ago. Its HELOC rates are 6.75% to 6.88% today, unchanged from 7 and 30 days ago but down from 7% to 7.12% 30 days ago and up from 6.62% to 6.75% 60 days ago. State Department has a Home Equity loan with an APR range of 5.24% to 8.5% , unchanged from 7 and 30 days ago but higher than 60 and 90 days ago when the top rate was 7.75% . Their HELOC rate is steady at 6.25% with no changes over the past 7, 30, 60, or 90 days.

1St United has a HELOC rate of 5.5% today, unchanged from it was 7, 30, 60, and 90 days ago. Their Home Equity loan rate is 6.56% today, unchanged from 7, 30, and 60 days ago but lower than 90 days ago when it was 6.86% . 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.

Baxter has a HELOC with a 6% APR today, unchanged from 7, 30, and 60 days ago. Its Home Equity loan shows a 6.75% APR now, also unchanged from the past 7, 30, and 60 days. Both rates have stayed steady over the last two months. Nasa has a Home Equity loan with an APR range of 6% to 8.75% , unchanged from it was 7, 30, 60, and 90 days ago. Their HELOC rate is 6.Both rates have stayed steady over the past few months. San Francisco Fire has a Home Equity loan with an APR of 6.25% today. This rate is the same as it was 7, 30, and 60 days ago. There has been no change in the APR for this product over the past two months.

University has a HELOC with an APR range of 6.25% to 17.74% today. This rate is the same as it was 7, 30, and 60 days ago but higher than 90 days ago, when the minimum APR was 5.99% .

🏦 Local Lenders in San Francisco, CA

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🏘️ All the Lenders Available in San Francisco County, CA

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✅NORTHEAST COMMUNITY 23780 CREDIT UNION
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✅SELFHELP CREDIT UNION
✅PATELCO CREDIT UNION
✅DELANCEY STREET FEDERAL CREDIT UNION
✅SAN FRANCISCO FEDERAL CREDIT UNION
✅REDWOOD CREDIT UNION
✅SAN FRANCISCO FIRE CREDIT UNION
✅ILWU CREDIT UNION
✅PACIFIC POSTAL CREDIT UNION
✅POLAM 21502 CREDIT UNION
✅JONES METHODIST CHURCH CREDIT UNION
✅THE GOLDEN 1 CREDIT UNION

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Why compare Home Equity Loans in San Francisco, CA on LendMesh

If you’re exploring equity refinance options in San Francisco, CA, taking the time to compare multiple lenders on LendMesh can help you uncover better deals and more affordable rates. Each lender offers different terms and benefits, so keeping your options open ensures you find a solution that fits your unique financial goals. Start with LendMesh to make smart, informed decisions without feeling rushed.

Stay ahead of the market by subscribing to LendMesh’s personalized alerts tailored for San Francisco borrowers. Simply set your target rate—say 4% or 5%—and receive instant notifications when offers dip below that mark. Along with weekly or monthly updates featuring expert insights and curated loan deals, you’ll have everything you need to refinance with confidence and unlock your home’s value on your terms.

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