Total HELOAN Outstanding Balance
$562B
2024
Source: Federal Reserve Z.1 Financial Accounts · BOGZ1FL893065125A
HELOAN Originations (Quarterly)
~362K
Q3 2025
Source: TransUnion CIIR · Quarterly origination counts (reported one quarter in arrears)
Average HELOAN Value at Origination
$81K
2024
Source: NCUA / CU Times, MBA · Credit union closed-end second mortgage avg
Average HELOAN Interest Rate (5-Year Fixed)
7.84%
Mar 2026
Source: Bankrate · National survey of 10 largest banks/thrifts, $30K loan, 700 FICO, 80% CLTV
HELOAN Balance as % of Tappable Home Equity
5.1%
2024
Source: FRED Z.1 (HELOAN balance) / ICE Mortgage Monitor (tappable equity)
HELOAN Origination Growth (YoY)
+12.9%
Q3 2025
Source: TransUnion CIIR · Combined home equity origination YoY growth
Key HELOAN Metrics
Data and supplemental research on U.S. home equity loans (closed-end second mortgages).
| Metric | Value | As Of | Source |
|---|---|---|---|
| Total HELOAN Outstanding | $562 Billion | 2024 | FRED Z.1 |
| Quarterly Originations | ~362,000 | Q3 2025 | TransUnion |
| Average HELOAN at Origination | $80,820 | 2024 | NCUA / CU Times |
| Average 5-Year HELOAN Rate | 7.84% | Mar 2026 | Bankrate |
| Origination Growth (YoY) | +12.9% | Q3 2025 | TransUnion |
| Average FICO at Origination | 749 | 2024 | MBA |
| Average CLTV at Closing | 62% | 2024 | MBA |
| Total Tappable Equity | ~$11 Trillion | Q4 2025 | ICE Mortgage Monitor |
| 2025 Second-Lien Withdrawals | $116 Billion | Full Year 2025 | ICE |