Direct HELOC lender — licensed in 23 states · Get your rate in 60 seconds
HELOCpedia
22 States · Direct Lender

HELOC Information by State

State homestead law, recording fees, and qualification quirks vary across the 23 states we're licensed in. Pick yours for the state-specific rules that affect your HELOC.

All 22 licensed states

Alabama Arizona Arkansas California Colorado District of Columbia Florida Hawaii Idaho Iowa Kansas Maine Maryland Minnesota Missouri North Dakota Oregon Pennsylvania South Dakota Tennessee Virginia Washington Wisconsin

Compare rates across all 50 states: HELOC rates by state (2026).

Don't see your state? You may still qualify

If you live in one of these 23 states, your HELOC application can be funded directly by us — no broker referral. Your application stays in-house for the full underwriting and funding process.

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