+12 Home Equity Line Of Credit Credit Requirements Ideas. The minimum credit score required for a home equity loan can vary by lender, but is often set at 620. More than 15% equity in their home a 600 or better credit score at least two years of verifiable income history a dti.

Some lenders may set higher minimum credit scores, like 660 or 680. To conduct the national average survey, bankrate obtains rate information from the 10 largest banks and thrifts in 10 large u.s. Typical requirements for a home equity line of credit are: