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
noblecu
6.89 - 12.75 %
20 Yrs
∞
meriwest
7 %
∞
calcoastcu
7 - 7.875 %
10 - 20 Yrs
∞
nuvisionfederal
7 - 8 %
10 - 25 Yrs
80 %
∞
bayfed
7 - 8.5 %
80 %
∞
togethercu
7.125 %
15 Yrs
∞
globalcu
7.125 - 9.513 %
20 Yrs
80 %
∞
firstent
7.125 - 9.75 %
10 - 15 Yrs
90 %
∞
patelco
7.25 - 10 %
20 Yrs
125 %
∞
wescom
7.25 - 11.5 %
5 - 20 Yrs
80 %
∞

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

Credit Union Loan Rates - Trends & Analysis:

Noble's Home Equity loan has an APR range of 6.89% to 12.39% , unchanged from it was 7, 30, 60, and 90 days ago. The HELOC rates are also steady, with a range of 7.25% to 12.75% , showing no change over the past three months. Both products have held their rates steady during this time. Meriwest has a HELOC with a 7% APR today, unchanged from 7, 30, and 60 days ago. This rate is higher than the 5.99% to 7% range seen 90 days ago. California Coast has a Home Equity rate range of 7% to 7.88% today. This rate is the same as it was 7, 30, 60, and 90 days ago. There has been no change in the APR for this product over the past three months.

Nuvision has a HELOC with an APR range of 7% to 8% today. This rate is the same as it was 7, 30, 60, and 90 days ago. The APR has stayed steady over the past three months. Bay has a HELOC with an APR range of 7% to 8.5% today, unchanged from 7 and 30 days ago. This rate is higher than it was 30, 60, and 90 days ago when the range started at 2.99% . The top of the range has stayed steady at 8.5% throughout this time. Together has a HELOC with an APR range of 4.99% to 5.03% , unchanged from it was 7, 30, and 60 days ago. Their Home Equity loan has a fixed APR of 7.12% , also unchanged from the past 7, 30, and 60 days. Both rates have stayed steady over the last two months.

Global has a Home Equity rate range of 7.12% to 9.51% today, unchanged from 7 and 30 days ago but higher than 30 and 60 days ago. The 90–day rates were lower at 6.88% to 9.25% . Their HELOC rates are 7.75% to 8.75% now, unchanged from both 7 and 30 days ago, but lower than 60 days ago when the rate was 8.25% . First Entertainment has a Home Equity rate range of 7.12% to 8.12% today, unchanged from 7 and 30 days ago but lower than 30 days ago and higher than 60 days ago. Their HELOC rates remain steady at 7.25% to 9.75% , showing no change from 7, 30, 60, or 90 days ago.

Patelco's HELOC rates are 5.49% to 10% today, the same as 7 and 30 days ago but higher than 60 days ago when the top rate was 9% . Its Home Equity loan rates are 8.06% to 8.31% , unchanged from 7 and 30 days ago but up slightly from 60 days ago. Wescom Central has a HELOC with an APR range of 7.25% to 11.5% today. This rate range is the same as 7 days ago but higher than the 30–and 60–day ranges, which were 7.25% to 10.25% . Compared to 90 days ago, the minimum APR is up while the maximum is also higher.

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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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