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23	<title>Credit Union HELOC Lending Is On The Rise</title>
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281p a {
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362
363
364
365
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553.well {
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561.well-sm {
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568/* Takeaways */
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570	background-color: #fff;
571	margin: 0 0 2em;
572	border-left: 10px solid var( --e-global-color-accent ) !important;
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612width: 25%;
613}
614.col-xs-1, .col-sm-1, .col-md-1, .col-lg-1, .col-xs-2, .col-sm-2, .col-md-2, .col-lg-2, .col-xs-3, .col-sm-3, .col-md-3, .col-lg-3, .col-xs-4, .col-sm-4, .col-md-4, .col-lg-4, .col-xs-5, .col-sm-5, .col-md-5, .col-lg-5, .col-xs-6, .col-sm-6, .col-md-6, .col-lg-6, .col-xs-7, .col-sm-7, .col-md-7, .col-lg-7, .col-xs-8, .col-sm-8, .col-md-8, .col-lg-8, .col-xs-9, .col-sm-9, .col-md-9, .col-lg-9, .col-xs-10, .col-sm-10, .col-md-10, .col-lg-10, .col-xs-11, .col-sm-11, .col-md-11, .col-lg-11, .col-xs-12, .col-sm-12, .col-md-12, .col-lg-12 {
615position: relative;
616min-height: 1px;
617padding-right: 10px;
618padding-left: 10px;
619}
620} */
621.new_form {
622	width: 100%;
623	max-width: 400px!important;
624	display: block;
625	margin: 0 auto;
626}
627.new_form label {
628	display: none!important;
629}
630.new_form .gform_footer {
631	justify-content: center;
632}
633.page-id-70725 .com-post-author {
634	float: left;
635	width: 100%;
636	color:  #0092B4;
637	font-size: 16px;
638	padding: 10px 0px;
639}
640body:not(.single-post) .hide_on_all_postpage {
641	display: none;
642}
643
644h2.custom-blog-acc-title {
645	font-size: 2rem;
646	font-weight: 400;
647	font-family: 'Jost',sans-serif;
648	color: #fff;
649	margin: 0;
650}
651
652div#keyword_cat_name_wrap a{
653	color: #0092b5;
654	font-family: "Jost", Sans-serif;
655	font-size: 14px;
656	font-weight: 500;
657	text-transform: uppercase;
658	letter-spacing: 1px;
659}
660
661div#keyword_cat_name_wrap a:hover{
662	color: #0f253f;
663}
664.single-post .com-post-author {
665	display:none;
666}
667body .custm_accou_post .elementor-post__text {
668	width: 100%;
669}
670body .custm_accou_post .has-post-thumbnail .elementor-post__text {
671	width: 59%;
672}
673body .custm_accou_post .elementor-posts .elementor-post {
674	flex-wrap:wrap;
675}
676.sidebar_newsletter .gform_footer .gform_button {
677	line-height:20px!important
678}
679
680.uael-share-btn-twitter .fab.fa-twitter {
681	background: url(https://creditunions.com/wp-content/uploads/2024/05/xlogo.svg) no-repeat;
682	color: transparent!important;
683	background-size: 22px auto;
684	background-position: 2px 3px;
685}
686
687.hdr-search form.elementor-search-form button {
688	color: #fff;
689}
690.hdr-search form.elementor-search-form button .fa-search:before {
691	content: "\f002";
692	font-size: 14px;
693}
694
695
696/* interscroller ad positioning */
697
698#div-interscroller iframe {
699	z-index: -1;
700}
701
702/*Blog Carousel CSS*/
703
704.single-post .swiper-container {
705	margin: 20px auto;
706}
707
708.single-post .swiper-slide {
709	display: flex;
710	flex-direction: column;
711	place-items: center;
712	place-self: center;
713}
714
715
716
717.single-post .swiper-slide img {
718	height: 500px;
719	max-height: 65vh;
720	object-fit: cover;
721	object-position: center;
722	margin: 10px 0;
723	padding: 0 50px;
724}
725
726.single-post .image-carousel-caption {
727	height: fit-content;
728	padding: 0 50px;
729	text-align: center;
730	font-family: roboto;
731	font-size: 17px;
732}
733
734.single-post .swiper-button-next:after, .swiper-button-prev:after {
735	font-size: 25px;
736}
737
738.swiper-pagination {
739	margin-top: 10px;
740	position: relative;
741}
742
743/* Quiz CSS */
744
745.elementor-widget-theme-post-content .gform_wrapper {
746	max-width: 60%;
747	margin: 40px auto;
748	box-shadow: 5px 5px 5px 5px #0002;
749	border-radius: 10px;
750	padding: 10px 20px;
751	min-height: 300px;
752	display: flex;
753	flex-direction: column;
754	place-content: stretch;
755	place-items: stretch;
756	min-height: 100%;
757}
758
759.elementor-widget-theme-post-content legend {
760	margin-bottom: 20px !important;
761}
762
763.elementor-widget-theme-post-content .gchoice {
764	padding-bottom: 10px;
765}
766
767.gquiz-indicator {
768	margin-top: -3px;
769}
770.gform_next_button, .gform_previous_button, .elementor-widget-theme-post-content .gform_button, a.gpoll_button {
771	font-size: 1em !important;
772	transition: .1s;
773	color: #ffffff;
774	padding: 10px 12px;
775	display: inline-block;
776	height: fit-content;
777}
778
779a.gpoll_button:hover {
780	background: #0f253f;
781	color: #fff;
782}
783
784.gquiz-answer-explanation {
785	padding: 20px;
786}
787
788.incorrect {
789	background: #ffebeb;
790}
791
792.correct {
793	background: #def7da;
794}
795
796.gquiz-answer-explanation.gfield_description.correct::before {
797	content: "Correct!";
798	display: block;
799	margin-bottom: 10px;
800	font-weight: 700;
801}
802
803.gquiz-answer-explanation.gfield_description.incorrect::before {
804	content: "Incorrect.";
805	display: block;
806	margin-bottom: 10px;
807	font-weight: 700;
808}
809
810.elementor-widget-theme-post-content .gform_page_footer {
811	padding: 10px 0 0 0 !important;
812}
813
814.elementor-widget-theme-post-content .gform_confirmation_wrapper {
815	max-width: 60%;
816	margin: 40px auto;
817	box-shadow: 5px 5px 5px 5px #0002;
818	border-radius: 10px;
819	padding: 10px 20px;
820	min-height: 100px;
821	display: flex;
822	flex-direction: column;
823	place-content: center;
824	place-items: stretch;
825	text-align: center;
826	font-weight: 700;
827}
828
829.gpoll_enabled .disabled input {
830	pointer-events: all !important;
831}
832
833/*remove author field showing on wrong pages*/
834
835.page-id-1361 .com-post-author {
836	display: none;
837}
838
839
840
841@media (max-width: 767px) {
842	.uael-post__inner-wrap {
843		
844		display: flex;
845		flex-direction: column;
846	}
847	.elementor-element[data-widget_type="uael-posts.news"] .uael-post-wrapper.uael-post-wrapper-featured .uael-post__content-wrap {
848		position: relative;
849		width: 100% !important;
850		margin: 30px auto !important;
851		padding: 15px !important;
852		bottom: unset !important;
853	}
854	.elementor-element[data-widget_type="uael-posts.news"] .uael-post__body .image-ratio-set .uael-post__thumbnail {
855		height: 1fr;
856		position: absolute;
857	}
858.image-ratio-set > div:nth-child(1) > div:nth-child(1) > div:nth-child(2) > div:nth-child(4) > p:nth-child(1) {
859		margin: 0 !important;
860		padding: 0 !important;
861	}
862}
863.supplier_search_single button.e-search-submit {
864    margin: 0px !important;
865}
866
867
868</style>
869
870
871</head>
872
873<body itemtype='https://schema.org/Blog' itemscope='itemscope' class="wp-singular post-template-default single single-post postid-115906 single-format-standard wp-custom-logo wp-embed-responsive wp-theme-astra wp-child-theme-creditunions current_blog_id_1 ast-desktop ast-page-builder-template ast-no-sidebar astra-4.13.10 group-blog ast-blog-single-style-1 ast-single-post ast-inherit-site-logo-transparent ast-hfb-header ast-full-width-layout ast-sticky-header-shrink ast-inherit-site-logo-sticky elementor-page-2449 ast-normal-title-enabled elementor-default elementor-kit-20 astra-addon-4.13.10">
874			
874<script data-cfasync="false">
875			(function(){var mq=window.matchMedia('(max-width:921.99px)');function apply(isMobile){var b=document.body.classList;if(isMobile){b.add('ast-header-break-point');b.remove('ast-desktop');}else{b.remove('ast-header-break-point');b.add('ast-desktop');}}apply(mq.matches);if(mq.addEventListener){mq.addEventListener('change',function(e){apply(e.matches);});}else if(mq.addListener){mq.addListener(function(e){apply(e.matches);});}})();
876			</script>
876
877			
878<script type="text/javascript" id="bbp-swap-no-js-body-class">
879	document.body.className = document.body.className.replace( 'bbp-no-js', 'bbp-js' );
880</script>
880
881
882        <!-- Google Tag Manager (noscript) -->
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882
883        <noscript><iframe src="https://www.googletagmanager.com/ns.html?id=
883GTM-MQJB5B
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883" height="0" width="0"
884                          style="display:none;visibility:hidden"></iframe></noscript>
885        
885<!-- End Google Tag Manager (noscript) -->
886        <!--Ad popup -->
887        <div id='div-popup' style='height: 0px;'>
888            
888<script type="text/javascript">
889                googletag.cmd.push(function () {
890                    googletag.defineSlot('/139974188/popup', [1, 2], 'div-popup').addService(googletag.pubads());
891                    googletag.display('div-popup');
892                });
893            </script>
893
894        </div>
895
896        <!--End Ad popup -->
897		<!-- Google Tag Manager (noscript) -->
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897
898<noscript><iframe src="https://www.googletagmanager.com/ns.html?id=
898GTM-MQJB5B
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898"
899height="0" width="0" style="display:none;visibility:hidden"></iframe></noscript>
900<!-- End Google Tag Manager (noscript) -->
901
902<a
903	class="skip-link screen-reader-text"
904	href="#content"
905	role="link"
906	title="Skip to content">
907		Skip to content</a>
908
909<div
910class="hfeed site" id="page">
911			<header data-elementor-type="header" data-elementor-id="145" class="elementor elementor-145 elementor-location-header" data-elementor-post-type="elementor_library">
912					<section class="elementor-section elementor-top-section elementor-element elementor-element-b54b263 elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="b54b263" data-element_type="section" data-e-type="section" data-settings="{&quot;background_background&quot;:&quot;classic&quot;,&quot;sticky&quot;:&quot;top&quot;,&quot;sticky_on&quot;:[&quot;desktop&quot;],&quot;sticky_effects_offset&quot;:90,&quot;sticky_offset&quot;:0,&quot;sticky_anchor_link_offset&quot;:0}">
913						<div class="elementor-container elementor-column-gap-default">
914					<div class="elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-5cc476f" data-id="5cc476f" data-element_type="column" data-e-type="column">
915			<div class="elementor-widget-wrap elementor-element-populated">
916						<div class="elementor-element elementor-element-7721bc1 elementor-widget elementor-widget-theme-site-logo elementor-widget-image" data-id="7721bc1" data-element_type="widget" data-e-type="widget" data-widget_type="theme-site-logo.default">
917				<div class="elementor-widget-container">
918											<a href="https://creditunions.com">
919			<img width="751" height="87" src="https://creditunions.com/wp-content/uploads/2022/01/CreditUnions_logo.svg" class="attachment-full size-full wp-image-43" alt="" />				</a>
920											</div>
921				</div>
922					</div>
923		</div>
924				<div class="elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-928ab9b" data-id="928ab9b" data-element_type="column" data-e-type="column">
925			<div class="elementor-widget-wrap elementor-element-populated">
926						<div class="elementor-element elementor-element-d0c968f uael-nav-menu__align-center uael-submenu-icon-classic uael-submenu-open-hover uael-submenu-animation-none uael-link-redirect-child uael-nav-menu__breakpoint-tablet uael-nav-menu-toggle-label-no elementor-widget elementor-widget-uael-nav-menu" data-id="d0c968f" data-element_type="widget" data-e-type="widget" data-settings="{&quot;distance_from_menu&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;distance_from_menu_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;distance_from_menu_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}" data-widget_type="uael-nav-menu.default">
927				<div class="elementor-widget-container">
928							<div class="uael-nav-menu uael-layout-horizontal uael-nav-menu-layout uael-pointer__none" data-layout="horizontal">
929				<div role="button" class="uael-nav-menu__toggle elementor-clickable">
930					<span class="screen-reader-text">Main Menu</span>
931					<div class="uael-nav-menu-icon">
932						<i aria-hidden="true" class="fas fa-bars"></i>					</div>
933									</div>
934							<nav class="uael-nav-menu__layout-horizontal uael-nav-menu__submenu-classic" data-toggle-icon="&lt;i aria-hidden=&quot;true&quot; class=&quot;fas fa-bars&quot;&gt;&lt;/i&gt;" data-close-icon="&lt;i aria-hidden=&quot;true&quot; class=&quot;fas fa-times-circle&quot;&gt;&lt;/i&gt;" data-full-width="yes"><ul id="menu-1-d0c968f" class="uael-nav-menu"><li id="menu-item-67558" class="intro_step_one menu-item menu-item-type-post_type menu-item-object-page current_page_parent menu-item-has-children parent uael-has-submenu uael-creative-menu"><div class="uael-has-submenu-container"><a aria-expanded="false" href="https://creditunions.com/all/" class = "uael-menu-item">Topics<span class='uael-menu-toggle sub-arrow uael-menu-child-0'><i class='fa'></i></span></a></div>
935<ul class="sub-menu">
936	<li id="menu-item-67559" class="menu-item menu-item-type-post_type menu-item-object-page current_page_parent uael-creative-menu"><a href="https://creditunions.com/all/" class = "uael-sub-menu-item">All Topics</a></li>
937	<li id="menu-item-67173" class="menu-item menu-item-type-taxonomy menu-item-object-keyword uael-creative-menu"><a href="https://creditunions.com/keyword/finance/" class = "uael-sub-menu-item">Finance</a></li>
938	<li id="menu-item-67182" class="menu-item menu-item-type-taxonomy menu-item-object-keyword uael-creative-menu"><a href="https://creditunions.com/keyword/hr-training/" class = "uael-sub-menu-item">HR / Training</a></li>
939	<li id="menu-item-67174" class="menu-item menu-item-type-taxonomy menu-item-object-keyword uael-creative-menu"><a href="https://creditunions.com/keyword/impact-purpose/" class = "uael-sub-menu-item">Impact / Purpose</a></li>
940	<li id="menu-item-67175" class="menu-item menu-item-type-taxonomy menu-item-object-keyword current-post-ancestor current-menu-parent current-post-parent uael-creative-menu"><a href="https://creditunions.com/keyword/lending/" class = "uael-sub-menu-item">Lending</a></li>
941	<li id="menu-item-67176" class="menu-item menu-item-type-taxonomy menu-item-object-keyword uael-creative-menu"><a href="https://creditunions.com/keyword/marketing/" class = "uael-sub-menu-item">Marketing</a></li>
942	<li id="menu-item-67178" class="menu-item menu-item-type-taxonomy menu-item-object-keyword uael-creative-menu"><a href="https://creditunions.com/keyword/ops-payments/" class = "uael-sub-menu-item">Ops / Payments</a></li>
943	<li id="menu-item-67183" class="menu-item menu-item-type-taxonomy menu-item-object-keyword uael-creative-menu"><a href="https://creditunions.com/keyword/retail-mx/" class = "uael-sub-menu-item">Retail / MX</a></li>
944	<li id="menu-item-67180" class="menu-item menu-item-type-taxonomy menu-item-object-keyword uael-creative-menu"><a href="https://creditunions.com/keyword/risk-compliance/" class = "uael-sub-menu-item">Risk / Compliance</a></li>
945	<li id="menu-item-67177" class="menu-item menu-item-type-taxonomy menu-item-object-keyword uael-creative-menu"><a href="https://creditunions.com/keyword/strategy/" class = "uael-sub-menu-item">Strategy</a></li>
946	<li id="menu-item-67179" class="menu-item menu-item-type-taxonomy menu-item-object-keyword uael-creative-menu"><a href="https://creditunions.com/keyword/technology/" class = "uael-sub-menu-item">Technology</a></li>
947</ul>
948</li>
949<li id="menu-item-92566" class="intro_step_two menu-item menu-item-type-post_type menu-item-object-page parent uael-creative-menu"><a href="https://creditunions.com/analyze/" class = "uael-menu-item">CU Search</a></li>
950<li id="menu-item-87149" class="intro_step_three menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children parent uael-has-submenu uael-creative-menu"><div class="uael-has-submenu-container"><a aria-expanded="false" href="https://creditunions.com/events/" class = "uael-menu-item">Events<span class='uael-menu-toggle sub-arrow uael-menu-child-0'><i class='fa'></i></span></a></div>
951<ul class="sub-menu">
952	<li id="menu-item-87151" class="menu-item menu-item-type-post_type menu-item-object-page uael-creative-menu"><a href="https://creditunions.com/events/" class = "uael-sub-menu-item">Upcoming</a></li>
953	<li id="menu-item-87152" class="menu-item menu-item-type-post_type menu-item-object-page uael-creative-menu"><a href="https://creditunions.com/on-demand-webinars/" class = "uael-sub-menu-item">On-Demand</a></li>
954</ul>
955</li>
956<li id="menu-item-142" class="intro_step_four menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children parent uael-has-submenu uael-creative-menu"><div class="uael-has-submenu-container"><a aria-expanded="false" href="#" class = "uael-menu-item">Marketplace<span class='uael-menu-toggle sub-arrow uael-menu-child-0'><i class='fa'></i></span></a></div>
957<ul class="sub-menu">
958	<li id="menu-item-66570" class="menu-item menu-item-type-post_type menu-item-object-page uael-creative-menu"><a href="https://creditunions.com/press/" class = "uael-sub-menu-item">Industry Press</a></li>
959	<li id="menu-item-98289" class="menu-item menu-item-type-post_type menu-item-object-page uael-creative-menu"><a href="https://creditunions.com/supplier-demos/" class = "uael-sub-menu-item">Supplier Demos</a></li>
960	<li id="menu-item-87150" class="menu-item menu-item-type-post_type menu-item-object-page uael-creative-menu"><a href="https://creditunions.com/directory/" class = "uael-sub-menu-item">Supplier Directory</a></li>
961</ul>
962</li>
963<li id="menu-item-109403" class="menu-item menu-item-type-post_type menu-item-object-page parent uael-creative-menu"><a href="https://creditunions.com/the-member-story-project/" class = "uael-menu-item">Member Stories</a></li>
964</ul></nav>
965					</div>
966							</div>
967				</div>
968					</div>
969		</div>
970				<div class="elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-3cf5987" data-id="3cf5987" data-element_type="column" data-e-type="column">
971			<div class="elementor-widget-wrap elementor-element-populated">
972						<div class="elementor-element elementor-element-a5bbbb8 hdr-search elementor-widget__width-inherit elementor-search-form--skin-classic elementor-search-form--button-type-icon elementor-search-form--icon-search elementor-widget elementor-widget-search-form" data-id="a5bbbb8" data-element_type="widget" data-e-type="widget" data-settings="{&quot;skin&quot;:&quot;classic&quot;}" data-widget_type="search-form.default">
973				<div class="elementor-widget-container">
974							<search role="search">
975			<form class="elementor-search-form" action="https://creditunions.com" method="get">
976												<div class="elementor-search-form__container">
977					<label class="elementor-screen-only" for="elementor-search-form-a5bbbb8">Search</label>
978
979					
980					<input id="elementor-search-form-a5bbbb8" placeholder="SEARCH" class="elementor-search-form__input" type="search" name="s" value="">
981					
982											<button class="elementor-search-form__submit" type="submit" aria-label="Search">
983															<i aria-hidden="true" class="fas fa-search"></i>													</button>
984					
985									</div>
986			</form>
987		</search>
988						</div>
989				</div>
990					</div>
991		</div>
992					</div>
993		</section>
994				<section class="elementor-section elementor-top-section elementor-element elementor-element-76e4937 hide_on_all_postpage sponsored-post__banner elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="76e4937" data-element_type="section" data-e-type="section" data-settings="{&quot;background_background&quot;:&quot;classic&quot;}">
995						<div class="elementor-container elementor-column-gap-narrow">
996					<div class="elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-59d515b" data-id="59d515b" data-element_type="column" data-e-type="column">
997			<div class="elementor-widget-wrap elementor-element-populated">
998						<div class="elementor-element elementor-element-0f50cac elementor-widget elementor-widget-heading" data-id="0f50cac" data-element_type="widget" data-e-type="widget" data-widget_type="heading.default">
999				<div class="elementor-widget-container">
1000					<span class="elementor-heading-title elementor-size-default">Sponsored Content</span>				</div>
1001				</div>
1002					</div>
1003		</div>
1004					</div>
1005		</section>
1006				<section class="elementor-section elementor-top-section elementor-element elementor-element-c33e4aa elementor-hidden-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="c33e4aa" data-element_type="section" data-e-type="section">
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1038					<h1 class="elementor-heading-title elementor-size-default">Home Equity Lending Gains Ground At U.S. Credit Unions</h1>				</div>
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1042					HELOC growth in the second quarter of 2026 has reversed a years-long decline in home equity lending's share of the credit union loan portfolio.				</div>
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1050									<div class="" ><span class="test tt"><a href="https://creditunions.com/author/andrewlepczyk/">Andrew Lepczyk</a></span></div>								</div>
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1070					<p>Rising home values have given many members a larger equity cushion, and credit unions are increasingly tapping into that demand through home equity lines of credit. HELOC loan balances at U.S. credit unions grew13.4% year-over-year in the second quarter. Although this was the fastest growth rate among major loan categories during the quarter, it marked the slowest pace of growth for other real estate loans since the first quarter of 2022.</p>
1071<p>After three years of rapid expansion, HELOC growth appears to be moderating. Nevertheless, homeowner equity levels continue to supp
1071ort demand for HELOCs, and credit unions expect home equity lending to remain a key source of loan growth as homeowners look to borrow against it.</p>
1072<p>&nbsp;</p>
1073<div>
1074<h4 class="text-uppercase"><strong>HELOCS AND OTHER REAL ESTATE AS A PERCENTAGE OF LOAN PORTFOLIO</strong></h4>
1075<p class="text-uppercase" style="font-size: 1em; margin-top: -10px;">FOR U.S. CREDIT UNIONS<br />
1076SOURCE: <a href="https://www.callahan.com/" target="_blank" rel="noopener">CALLAHAN &amp; ASSOCIATES</a></p>
1077</div>
1078<figure id="attachment_115907" aria-describedby="caption-attachment-115907" style="width: 1200px" class="wp-caption aligncenter"><img fetchpriority="high" fetchpriority="high" decoding="async" class="wp-image-115907 size-large" src="https://creditunions.com/wp-content/uploads/2026/09/blog_GOW_09282026_HELOC_slides_GOTW_RW2-1200x675.png" alt="Line chart showing other real estate loans as a percentage of total credit union loans declining from 16.59% in the second quarter of 2006 to a low point four years ago and rebounding to 10.79% as of the second quarter of 2026." width="1200" height="675" srcset="https://creditunions.com/wp-content/uploads/2026/09/blog_GOW_09282026_HELOC_slides_GOTW_RW2-1200x675.png 1200w, https://creditunions.com/wp-content/uploads/2026/09/blog_GOW_09282026_HELOC_slides_GOTW_RW2-600x338.png 600w, https://creditunions.com/wp-content/uploads/2026/09/blog_GOW_09282026_HELOC_slides_GOTW_RW2-200x113.png 200w, https://creditunions.com/wp-content/uploads/2026/09/blog_GOW_09282026_HELOC_slides_GOTW_RW2-768x432.png 768w, https://creditunions.com/wp-content/uploads/2026/09/blog_GOW_09282026_HELOC_slides_GOTW_RW2.png 1280w" sizes="(max-width: 1200px) 100vw, 1200px" /><figcaption id="caption-attachment-115907" class="wp-caption-text">Strong HELOC growth has lifted other real estate loans to 10.79% of the credit union loan portfolio, reversing a roughly two-decade-long decline.</figcaption></figure>
1079<h2>Strategic Insights</h2>
1080<ul>
1081<li>HELOCs, and other real estate loans not including first mortgages, comprised 10.8% of the loan portfolio in the second quarter of 2026. That’s smaller than most other lending categories, but it represents a significant hike from just a few years ago and illustrates opportunity in today’s borrowing behavior.</li>
1082<li>According to Bankrate, nationwide <a href="https://fred.stlouisfed.org/series/BRMHELOC01" target="_blank" rel="noopener">rates on HELOCs</a> have fallen during the past two years from a peak of 10.1% in January 2024 to 7.1% as of September 2026. This fall in rates, coupled with <a href="https://fred.stlouisfed.org/series/OEHRENWBSHNO" target="_blank" rel="noopener">a surge in home equity</a>, has prompted many homeowners to tap HELOCs to pay for things like home repairs or day-to-day spending.</li>
1083<li>Many credit unions are embracing home equity lending as a winning option in today’s mortgage environment. Some focus on digital channels to raise awareness, whereas others partner with title companies and other vendors to identify and tailor outreach. Read more about such initiatives in “<a href="https://creditunions.com/features/3-ways-to-market-for-heloc-success/" target="_blank" rel="noopener">3 Ways To Market For HELOC Success.</a>”</li>
1084<li>The rise in home equity can be a double-edged sword, however. Higher home prices provide homeowners with more borrowing power but also can make it difficult to upsize when homeowners need more space. Coastal Credit Union has expanded its home equity lending as more members choose to renovate and remain in their current homes rather than sell and move.</li>
1085</ul>
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1098					<span class="elementor-heading-title elementor-size-default">September 28, 2026</span>				</div>
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1122					<h2 class="elementor-heading-title elementor-size-default">Daily Dose Of Industry Insights</h2>				</div>
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1126									<p>Stay informed, inspired, and connected with the latest trends and best practices in the credit union industry by subscribing to the free CreditUnions.com newsletter.</p>								</div>
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1247				<h3 class="elementor-post__title">
1248			<a href="https://creditunions.com/blogs/industry-insights/quarterly-market-snapshot-and-two-year-financial-statement/" >
1249				Industry Intelligence For Credit Union Leaders			</a>
1250		</h3>
1251				<div class="elementor-post__meta-data">
1252					<span class="elementor-post-author">
1253			Callahan &#38; Associates		</span>
1254				</div>
1255				</div>
1256				</article>
1257				<article class="elementor-post elementor-grid-item post-115893 post type-post status-publish format-standard has-post-thumbnail hentry category-features category-highlights keyword-branding keyword-building-vibrant-communities keyword-growth keyword-marketing keyword-massachusetts keyword-member-experience keyword-seg">
1258				<div class="elementor-post__text">
1259				<h3 class="elementor-post__title">
1260			<a href="https://creditunions.com/features/why-members-backed-this-first-responders-rebrand/" >
1261				Why Members Backed This First Responders Rebrand			</a>
1262		</h3>
1263				<div class="elementor-post__meta-data">
1264					<span class="elementor-post-author">
1265			Aaron Passman		</span>
1266				</div>
1267				</div>
1268				</article>
1269				<article class="elementor-post elementor-grid-item post-115903 post type-post status-publish format-standard has-post-thumbnail hentry category-features category-highlights keyword-business-continuity keyword-community-development keyword-impact keyword-mission">
1270				<div class="elementor-post__text">
1271				<h3 class="elementor-post__title">
1272			<a href="https://creditunions.com/features/the-long-term-value-of-service-and-showing-up/" >
1273				The Long-Term Value Of Service And Showing Up			</a>
1274		</h3>
1275				<div class="elementor-post__meta-data">
1276					<span class="elementor-post-author">
1277			Aaron Passman		</span>
1278				</div>
1279				</div>
1280				</article>
1281				</div>
1282		
1283						</div>
1284				</div>
1285					</div>
1286		</div>
1287					</div>
1288		</section>
1289				</div>
1290				</div>
1291						</div>
1292				</div>
1293					</div>
1294		</div>
1295					</div>
1296		</section>
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1303					<h2 class="elementor-heading-title elementor-size-default">Keep Reading</h2>				</div>
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1318				<div class="elementor-widget-container">
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1325				<div class="elementor-post__text">
1326				<h3 class="elementor-post__title">
1327			<a href="https://creditunions.com/blogs/industry-insights/quarterly-market-snapshot-and-two-year-financial-statement/" >
1328				Industry Intelligence For Credit Union Leaders			</a>
1329		</h3>
1330				<div class="elementor-post__meta-data">
1331					<span class="elementor-post-author">
1332			Callahan &#38; Associates		</span>
1333				</div>
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1335				</article>
1336				<article class="elementor-post elementor-grid-item post-115893 post type-post status-publish format-standard has-post-thumbnail hentry category-features category-highlights keyword-branding keyword-building-vibrant-communities keyword-growth keyword-marketing keyword-massachusetts keyword-member-experience keyword-seg">
1337				<div class="elementor-post__text">
1338				<h3 class="elementor-post__title">
1339			<a href="https://creditunions.com/features/why-members-backed-this-first-responders-rebrand/" >
1340				Why Members Backed This First Responders Rebrand			</a>
1341		</h3>
1342				<div class="elementor-post__meta-data">
1343					<span class="elementor-post-author">
1344			Aaron Passman		</span>
1345				</div>
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1348				<article class="elementor-post elementor-grid-item post-115903 post type-post status-publish format-standard has-post-thumbnail hentry category-features category-highlights keyword-business-continuity keyword-community-development keyword-impact keyword-mission">
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1350				<h3 class="elementor-post__title">
1351			<a href="https://creditunions.com/features/the-long-term-value-of-service-and-showing-up/" >
1352				The Long-Term Value Of Service And Showing Up			</a>
1353		</h3>
1354				<div class="elementor-post__meta-data">
1355					<span class="elementor-post-author">
1356			Aaron Passman		</span>
1357				</div>
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1369																			<span class="account_nm">Aaron Passman</span>
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1371										<div class="related_post_item">
1372						<h3><a href="https://creditunions.com/features/perspectives/why-credit-unions-need-a-more-local-view-of-home-equity/">Why Credit Unions Need A More Local View Of Home Equity</a></h3>
1373														<div class="account_logo">
1374									<img src="https://creditunions.com/wp-content/uploads/sites/2/2022/10/Coviance_Logomark_TM_primary-6-scaled.png" />
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1376																					<span class="account_nm">Coviance</span>
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1379						<h3><a href="https://creditunions.com/features/commodore-perry-is-tackling-affordable-housing-from-financing-to-front-door/">Commodore Perry Is Tackling Affordable Housing From Financing To Front Door</a></h3>
1380																			<span class="account_nm">Savana Morie</span>
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1391					<h6 class="elementor-heading-title elementor-size-default">View all posts in:</h6>				</div>
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1395									<a href="https://creditunions.com/category/blogs/" rel="tag">Blogs</a> <a href="https://creditunions.com/category/blogs/graph-of-the-week/" rel="tag">Graph Of The Week</a> <a href="https://creditunions.com/category/blogs/industry-insights/" rel="tag">Industry Insights</a> <a href="https://creditunions.com/category/highlights/" rel="tag">This Week&#8217;s Highlights</a>								</div>
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1408												<a href="https://creditunions.com/category/blogs/" rel="tag">Blogs</a>
1409													<a href="https://creditunions.com/category/blogs/graph-of-the-week/" rel="tag">Graph Of The Week</a>
1410													<a href="https://creditunions.com/category/blogs/industry-insights/" rel="tag">Industry Insights</a>
1411													<a href="https://creditunions.com/category/highlights/" rel="tag">This Week&#039;s Highlights</a>
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1422									<a href="https://creditunions.com/keyword/home-equity/" rel="tag">Home Equity</a> <a href="https://creditunions.com/keyword/lending/" rel="tag">Lending</a>								</div>
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1448															<img width="535" height="141" src="https://creditunions.com/wp-content/uploads/2022/01/Callahan_logo_white.png" class="attachment-full size-full wp-image-357" alt="" srcset="https://creditunions.com/wp-content/uploads/2022/01/Callahan_logo_white.png 535w, https://creditunions.com/wp-content/uploads/2022/01/Callahan_logo_white-300x79.png 300w" sizes="(max-width: 535px) 100vw, 535px" />															</div>
1449				</div>
1450				<div class="elementor-element elementor-element-c5ed369 elementor-shape-circle e-grid-align-left elementor-grid-0 elementor-widget elementor-widget-social-icons" data-id="c5ed369" data-element_type="widget" data-e-type="widget" data-widget_type="social-icons.default">
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1454					<a class="elementor-icon elementor-social-icon elementor-social-icon-linkedin-in elementor-repeater-item-ee763ce" href="https://www.linkedin.com/company/callahan-&#038;-associates" target="_blank">
1455						<span class="elementor-screen-only">Linkedin-in</span>
1456						<i aria-hidden="true" class="fab fa-linkedin-in"></i>					</a>
1457				</span>
1458					</div>
1459						</div>
1460				</div>
1461					</div>
1462		</div>
1463				<div class="elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-76f9b57" data-id="76f9b57" data-element_type="column" data-e-type="column">
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1466				<div class="elementor-widget-container">
1467									<p>1001 Connecticut Ave. NW Suite 1001<br />Washington, DC 20036</p>								</div>
1468				</div>
1469				<div class="elementor-element elementor-element-ab0f1ae elementor-widget elementor-widget-heading" data-id="ab0f1ae" data-element_type="widget" data-e-type="widget" data-widget_type="heading.default">
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1471					<h6 class="elementor-heading-title elementor-size-default">Phone</h6>				</div>
1472				</div>
1473				<div class="elementor-element elementor-element-75874d6 elementor-widget elementor-widget-heading" data-id="75874d6" data-element_type="widget" data-e-type="widget" data-widget_type="heading.default">
1474				<div class="elementor-widget-container">
1475					<span class="elementor-heading-title elementor-size-default"><a href="tel:8004467453">(800) 446-7453</a></span>				</div>
1476				</div>
1477				<div class="elementor-element elementor-element-78adc5f elementor-widget elementor-widget-heading" data-id="78adc5f" data-element_type="widget" data-e-type="widget" data-widget_type="heading.default">
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1479					<h6 class="elementor-heading-title elementor-size-default">Fax</h6>				</div>
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1482				<div class="elementor-widget-container">
1483					<span class="elementor-heading-title elementor-size-default">(800) 878-4712</span>				</div>
1484				</div>
1485					</div>
1486		</div>
1487				<div class="elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-859f86a" data-id="859f86a" data-element_type="column" data-e-type="column">
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1493					<span class="screen-reader-text">Main Menu</span>
1494					<div class="uael-nav-menu-icon">
1495											</div>
1496									</div>
1497							<nav class="uael-nav-menu__layout-vertical uael-nav-menu__submenu-arrow" data-toggle-icon="" data-close-icon="" data-full-width=""><ul id="menu-1-f6db664" class="uael-nav-menu"><li id="menu-item-730" class="menu-item menu-item-type-post_type menu-item-object-page parent uael-creative-menu"><a href="https://creditunions.com/advertise/" class = "uael-menu-item">Advertising</a></li>
1498<li id="menu-item-732" class="menu-item menu-item-type-post_type menu-item-object-page parent uael-creative-menu"><a href="https://creditunions.com/about/" class = "uael-menu-item">About Us</a></li>
1499<li id="menu-item-731" class="menu-item menu-item-type-post_type menu-item-object-page parent uael-creative-menu"><a href="https://creditunions.com/contact/" class = "uael-menu-item">Contact Us</a></li>
1500<li id="menu-item-734" class="menu-item menu-item-type-post_type menu-item-object-page parent uael-creative-menu"><a href="https://creditunions.com/whitelist/" class = "uael-menu-item">Whitelist Us</a></li>
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1517				<div class="elementor-widget-container">
1518					<h2 class="elementor-heading-title elementor-size-default">REGISTER FOR THE FREE CREDITUNIONS.COM NEWSLETTER
1519</h2>				</div>
1520				</div>
1521				<div class="elementor-element elementor-element-69473caa elementor-widget elementor-widget-text-editor" data-id="69473caa" data-element_type="widget" data-e-type="widget" data-widget_type="text-editor.default">
1522				<div class="elementor-widget-container">
1523									<p>Want credit union insights and strategies delivered straight to your inbox? <a href="https://go.callahan.com/Newsletter-Signup-2023.html?rs=CreditUnions.com&amp;cid=footer">Sign up now.</a></p>								</div>
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1561		</section>
1562				</div>
1563					</div>
1564		</div>
1565	</div>
1566
1567	
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1575				Newsletter Signup			</div>
1576
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1583		</footer>
1584				<footer class="elementor-section elementor-top-section elementor-element elementor-element-82d5b4f elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="82d5b4f" data-element_type="section" data-e-type="section" data-settings="{&quot;background_background&quot;:&quot;classic&quot;}">
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1589				<div class="elementor-widget-container">
1590					<span class="elementor-heading-title elementor-size-default">Copyright © 2026 Callahan &amp; Associates, Inc. All rights reserved.</span>				</div>
1591				</div>
1592					</div>
1593		</div>
1594				<div class="elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-1fa1d69" data-id="1fa1d69" data-element_type="column" data-e-type="column">
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1597				<div class="elementor-widget-container">
1598					<span class="elementor-heading-title elementor-size-default">Website by <a href="https://keybridgeweb.com/" target="_blank">Keybridge Web</a>.</span>				</div>
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1818									options = jQuery.extend( options || {}, {
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1820										cache: true,
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1824									return jQuery.ajax( options );
1825								};
1826							    jQuery( window ).on( "elementor/frontend/init", function() {
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1852								// Define cachedScript globally to avoid redefining it.
1853
1854								jQuery.cachedScript = function(url, options) {
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1858										url: url
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1860									return jQuery.ajax(options); // Return the jqXHR object so we can chain callbacks
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1862
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1887
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