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Banks and lenders that offer a first lien HELOC
A first lien (1st lien) HELOC replaces your mortgage with a line of credit in first position. Few lenders offer it: as of Oct 16, 2026 we found 13 whose own pages describe one for a primary home.
This page covers 1st lien HELOCs, which replace your mortgage. Looking for a regular (2nd lien) HELOC? See Regular HELOC rates.
Lenders that offer a first lien HELOC
Primary home. Facts come from each lender's own page, checked 2026-10-16. Rates and terms change, so confirm with the lender.
| Lender | Where available | Rate | Source |
|---|---|---|---|
| FNBA FlexFirst HELOC (First National Bank of America) | All states except Texas (per lender trade flyer) | Not published | Lender page (checked 2026-10-16) |
| First Merchants Bank 1st Lien HELOC Sweep | 46 states; excludes Texas, Alaska, Hawaii, Maryland | Not published | Lender page (checked 2026-10-16) |
| Deephaven Equity Advantage First Lien HELOC | Texas available per lender page; full state list not published on the page | Not published | Lender page (checked 2026-10-16) |
| Bank CMG All In One Loan | Select markets; lender says availability may be geographically limited. State list not published | Not published | Lender page (checked 2026-10-16) |
| Primis Mortgage Access Total Mortgage (ATM Loan) | Not published; California licensing noted | Not published | Lender page (checked 2026-10-16) |
| University Lending Group First Lien HELOC (Smart Loan) | Not published on page checked | Not published | Lender page (checked 2026-10-16) |
| Averra Financial (formerly The Loan Store) Wealth Builder | Not published on page checked | Not published | Lender page (checked 2026-10-16) |
| Quorum Federal Credit Union First Lien HELOC | Not available in Texas; other states not listed | Published on lender page | Lender page (checked 2026-10-16) |
| A+ Federal Credit Union First Lien HELOC | Texas only, owner-occupied single family primary residence | Published on lender page | Lender page (checked 2026-10-16) |
| UHFCU (University of Hawaii FCU) First Lien HELOC | Hawaii only, owner-occupied | Not published | Lender page (checked 2026-10-16) |
| East West Bank Home Saver Line of Credit | Select counties of CA, GA, MA, NV, NY, WA | Not published | Lender page (checked 2026-10-16) |
| Power Financial Credit Union HELOC | Not published on page | Not published | Lender page (checked 2026-10-16) |
| Navy Federal Credit Union HELOC | Not available in Texas | Not published | Lender page (checked 2026-10-16) |
Compare lender details and investment property options
Availability varies by state. Many of these lenders serve only some states, and credit unions may require membership. Each card shows the states the lender publishes. Confirm yours with the lender.
Learn how a first lien HELOC works
Featured guideCan a 1st lien HELOC pay off your mortgage faster?A plain-English look at how it works, who it suits and the real risks. Typical results vary. Read the guide → Free toolDoes a HELOC payoff strategy work for me?A payoff simulator that compares your mortgage, extra payments and a HELOC strategy, and tells you when it does not help. Runs in your browser. Educational only. Try it → EducationLearn how a 1st lien HELOC payoff strategy worksEducational content only. We do not make, quote or arrange loans or recommend lenders. Not financial advice. Tell us what you want to learn →Frequently asked questions
Which banks offer a first lien HELOC?
As of October 16, 2026, we found 13 lenders whose own web pages describe a first lien HELOC for a primary home: FNBA FlexFirst HELOC (First National Bank of America), First Merchants Bank 1st Lien HELOC Sweep, Deephaven Equity Advantage First Lien HELOC, Bank CMG All In One Loan, Primis Mortgage Access Total Mortgage (ATM Loan), University Lending Group First Lien HELOC (Smart Loan), Averra Financial (formerly The Loan Store) Wealth Builder, Quorum Federal Credit Union First Lien HELOC, A+ Federal Credit Union First Lien HELOC, UHFCU (University of Hawaii FCU) First Lien HELOC, East West Bank Home Saver Line of Credit, Power Financial Credit Union HELOC and Navy Federal Credit Union HELOC. Availability varies by state, and credit unions may require membership.
Is a first lien HELOC available in every state?
No. FNBA, Quorum Federal Credit Union and Navy Federal say they do not lend in Texas, First Merchants excludes Texas, Alaska, Hawaii and Maryland, A+ Federal Credit Union lends only in Texas, UHFCU only in Hawaii, and East West Bank only in select counties of six states. Several lenders do not publish a state list, so confirm with the lender.
Is a first lien HELOC the same as a regular HELOC?
No. A regular HELOC sits behind your mortgage as a second loan. A first lien HELOC replaces the mortgage and sits in first position.
Can I get a first lien HELOC on an investment property?
FNBA publishes investment property terms for its FlexFirst HELOC. For TD Bank, Truist and First Tech Federal Credit Union we could not confirm a first lien option for investment homes on their own pages, and Truist's own HELOC FAQ says its home equity line is not valid for investment homes. Ask the lender before you apply.
What rate will I pay on a first lien HELOC?
Most lenders on this list do not publish a rate. Two credit unions publish an "as low as" APR, shown with its date in the lender details on this page. The FRED national HELOC benchmark shown here is not specific to first lien lines. Your rate depends on your credit, loan amount and loan-to-value, so get a quote from the lender.