HELOC and home equity loan rates today, February 20, 2026: Lowest rates since late 2022

National average rates for second mortgage home equity loans and lines of credit are nearing 7%, their lowest point since late 2022. Over the years, your home has grown in value. Now you can access that equity at very favorable interest rates. HELOC and home equity loan rates: Friday, February 20, 2026 According to real estate analytics firm Curinos, the average HELOC rate is 7.23%. The national average rate on a home equity loan is 7.44%. Rates are based on applicants with a minimum credit score of 780 ...