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A 780 credit score is exceptional — you'll qualify for the absolute best HELOC rates and terms from all major lenders. Here are the top HELOC options for borrowers with exceptional credit.
Why we recommend it: Best LTV at 95% with the lowest rates for 780+ borrowers. Fast online process, funded in 5 days.
Why we recommend it: Credit union rates are typically lower than banks. Best rates available for 780+ borrowers.
Why we recommend it: Known for low rates and transparent pricing. Excellent option for high-credit borrowers.
Yes. A 780 credit score is exceptional and qualifies you for the best HELOC rates available. You're in the top 20% of borrowers and will receive the most favorable terms from all lenders.
With a 780 score, you'll receive the best available rates. As of March 2026, the best HELOC rates for exceptional credit borrowers start around 6.10%–6.50% for well-qualified applicants with 20%+ equity.
With a 780 score, a HELOC will almost always offer a lower rate than a personal loan because it's secured by your home. However, a personal loan doesn't put your home at risk. For large amounts (over $25,000), a HELOC is typically the more cost-effective choice.