Brandwave

Lower vs Rate:Which is more popular in the United States?

In October 2026, Lower had more branded searches than Rate among HELOC lenders in the United States. Lower had about 260 branded searches, while Rate had 170. Lower made up 0.54% of all HELOC lender searches we track, and Rate accounted for 0.35%. When we asked ChatGPT and Google AI Overviews about HELOC lenders, Rate appeared in two of the five answers and Lower in one. Rate was mentioned before Lower in every answer that named either.

Among HELOC lenders in the United States in October 2026

Who do people search for more?

Lower, about 53% more searches than Rate

Lower 260 searchesRate 170 searches

Who does AI mention more?

Rate, mentioned in 2 of 5 answers, Lower in 1

Rate in 2 of 5Lower in 1 of 5

Who does AI recommend more?

Rate, named ahead of Lower in 2 of 2 answers

Rate first in 2Lower never first

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Top HELOC lenders in ChatGPT and Google AI Overviews

In three ChatGPT questions and two Google AI Overviews, Rate was mentioned in two out of five: in two of the three ChatGPT answers, but not in either of the two Google AI Overviews. Lower was mentioned in one out of five: not in any of the three ChatGPT answers, but in one of the two Google AI Overviews. Rate was listed before Lower in every answer that named either.

Most recommended by AI

Brands get a higher ranking if they are mentioned earlier in the answers.

  1. Aven1st
  2. Figure2nd
  3. Bank of America3rd
  4. Rate4th
  5. Achieve5th
  6. Splash Financial6th
  7. Flagstar7th
  8. Navy Federal Credit Union8th
  9. Rocket Mortgage9th
  10. +1 more
  11. Lower–

Mentioned by AI

Each dot is one answer, filled in when that answer mentions the brand.

  • Aven3 of 5Named in 2 of 3 ChatGPT answersNamed in 1 of 2 Google answers
  • Splash Financial2 of 5Named in 2 of 3 ChatGPT answersNamed in 0 of 2 Google answers
  • Bank of America2 of 5Named in 1 of 3 ChatGPT answersNamed in 1 of 2 Google answers
  • Figure2 of 5Named in 2 of 3 ChatGPT answersNamed in 0 of 2 Google answers
  • Achieve2 of 5Named in 2 of 3 ChatGPT answersNamed in 0 of 2 Google answers
  • Rate2 of 5Named in 2 of 3 ChatGPT answersNamed in 0 of 2 Google answers
  • Spring EQ1 of 5Named in 1 of 3 ChatGPT answersNamed in 0 of 2 Google answers
  • Navy Federal Credit Union1 of 5Named in 0 of 3 ChatGPT answersNamed in 1 of 2 Google answers
  • Lower1 of 5Named in 0 of 3 ChatGPT answersNamed in 1 of 2 Google answers
  • Rocket Mortgage1 of 5Named in 0 of 3 ChatGPT answersNamed in 1 of 2 Google answers

+1 more

See every answer about HELOC lenders

5 answers

Brands are shown in the order each answer named them. The survey took place in United States on October 28, 2026.

Is Lower or Rate more popular in search?

This chart shows how often people search Google for Lower and Rate by name. Each line represents a brand's share of searches for all 11 HELOC lenders we track, month by month, from searches in United States.

Lower and Rate among HELOC lenders in the United States, by month

Share of searches by month for Lower, Rate. The figures are in the table below the chart.

View monthly share of searches table
MonthAvenSpring EQSplash FinancialBank of AmericaFigureNavy Federal Credit UnionAchieveLowerRocket MortgageFlagstarRate
Nov 202512.8%21.6%21.6%21.6%9.6%7.7%2.7%0.56%0.69%0.69%0.56%
Dec 202510.3%19.4%19.4%23.8%10.6%10.6%3.8%0.34%0.62%0.62%0.5%
Jan 202612.6%17%17%25.5%13.9%7.6%4%0.36%0.67%0.55%0.82%
Feb 202614.4%16%16%29.2%13%5.7%3.7%0.33%0.63%0.51%0.63%
Mar 202612.1%16.4%13.5%30.1%13.5%7.3%4.8%0.35%0.65%0.8%0.53%
Apr 202614.2%11.5%11.5%31.5%11.5%5.1%4.1%0.3%0.45%0.55%9.4%
May 202613.8%10.7%13.1%36%13.1%5.8%4.7%0.28%0.52%0.42%1.4%
Jun 202612.4%11.7%17.5%32%14.3%6.4%4.2%0.19%0.46%0.37%0.46%
Jul 202614.2%12.9%15.8%28.9%15.8%7%3.7%0.27%0.62%0.51%0.33%
Aug 202616.5%14.9%18.3%22.4%14.9%6.6%4.3%0.32%0.72%0.59%0.47%
Sep 202621%18.9%18.9%15.4%12.6%8.4%3%0.49%0.61%0.4%0.4%
Oct 202626.6%20.6%16.8%13.7%11.2%7.5%1.8%0.54%0.54%0.35%0.35%

How has branded search for Lower and Rate changed in the United States over the last 12 months?

3 findings
  • The lead changed hands once in the 12 months ending October 2026: Lower took it in September 2026.
  • Across the 12 months ending October 2026, Lower’s share of searches among HELOC lenders in the United States moved from 0.56% to 0.54%, and its estimated monthly branded searches moved from 210 to 260.
  • Across the 12 months ending October 2026, Rate’s share of searches among HELOC lenders in the United States moved from 0.56% to 0.35%, and its estimated monthly branded searches moved from 210 to 170.

How did search popularity change for United States HELOC lenders in October 2026?

2 changes

  1. In October 2026, Lower rose from 9th to 8th among HELOC lenders in the United States.

  2. Estimated monthly branded searches for Rate in the United States fell 19% over 12 measured months, from 210 to 170 in October 2026.

How are Lower’s and Rate’s branded searches counted?

2 search terms

Brandwave collects information about searches that people make online using Lower’s and Rate’s names. When viewed over time, estimated search volumes for these branded terms can be used to understand whether interest in the brands is growing, holding steady, or fading.

Lower

1 branded search term

  • lower heloc

Rate

1 branded search term

  • guaranteed rate heloc

How the Brand Demand Index is measured

Other head-to-heads among HELOC lenders

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