Average HELOC rates continue to drop, fueling the highest demand in home equity lending since 2008. Through Q3 2025, lenders originated more than 557,000 new home equity loans totaling nearly $31.6 billion, according to real estate data company Cotality. Shop home equity line of credit lenders now for your new year cash needs. HELOC rates: Wednesday, December 17, 2025 According to Curinos data, the average weekly HELOC rate is 7.44%. This rate is based on applicants with a minimum credit score of 780 an ...