Lower vs Spring EQ:Which is more popular in the United States?
In October 2026, Spring EQ had more branded searches than Lower among HELOC lenders in the United States. Spring EQ had about 9,900 branded searches, while Lower had 260. Spring EQ made up 20.6% of all HELOC lender searches we track, and Lower accounted for 0.54%. When we asked ChatGPT and Google AI Overviews about HELOC lenders, Lower and Spring EQ each appeared in one of the five answers.
Who do people search for more?
Spring EQ, about 38 searches for every 1 for Lower
Who does AI mention more?
Both were mentioned in 1 of 5 answers.
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Top HELOC lenders in ChatGPT and Google AI Overviews
In three ChatGPT questions and 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. Spring EQ was mentioned in one out of five: in one of the three ChatGPT answers, but not in either of the two Google AI Overviews.
Most recommended by AI
Brands get a higher ranking if they are mentioned earlier in the answers.
Aven1st
Figure2nd
Bank of America3rd
Rate4th
Achieve5th
Splash Financial6th
Flagstar7th
Navy Federal Credit Union8th
Rocket Mortgage9th- +1 more
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
See every answer about HELOC lenders
5 answers
Asked ChatGPT
“Who offers the best HELOC rates right now?”
Asked ChatGPT
“Which lenders let you apply for a home equity line of credit online?”
Asked ChatGPT
“What's the fastest way to get a HELOC?”
Searched Google, AI Overview
“heloc”
Searched Google, AI Overview
“heloc lenders”
Brands are shown in the order each answer named them. The survey took place in United States on October 28, 2026.
Is Lower or Spring EQ more popular in search?
This chart shows how often people search Google for Lower and Spring EQ 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.
Share of searches by month for Spring EQ, Lower. The figures are in the table below the chart.
View monthly share of searches table
| Month | Aven | Spring EQ | Splash Financial | Bank of America | Figure | Navy Federal Credit Union | Achieve | Lower | Rocket Mortgage | Flagstar | Rate |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Nov 2025 | 12.8% | 21.6% | 21.6% | 21.6% | 9.6% | 7.7% | 2.7% | 0.56% | 0.69% | 0.69% | 0.56% |
| Dec 2025 | 10.3% | 19.4% | 19.4% | 23.8% | 10.6% | 10.6% | 3.8% | 0.34% | 0.62% | 0.62% | 0.5% |
| Jan 2026 | 12.6% | 17% | 17% | 25.5% | 13.9% | 7.6% | 4% | 0.36% | 0.67% | 0.55% | 0.82% |
| Feb 2026 | 14.4% | 16% | 16% | 29.2% | 13% | 5.7% | 3.7% | 0.33% | 0.63% | 0.51% | 0.63% |
| Mar 2026 | 12.1% | 16.4% | 13.5% | 30.1% | 13.5% | 7.3% | 4.8% | 0.35% | 0.65% | 0.8% | 0.53% |
| Apr 2026 | 14.2% | 11.5% | 11.5% | 31.5% | 11.5% | 5.1% | 4.1% | 0.3% | 0.45% | 0.55% | 9.4% |
| May 2026 | 13.8% | 10.7% | 13.1% | 36% | 13.1% | 5.8% | 4.7% | 0.28% | 0.52% | 0.42% | 1.4% |
| Jun 2026 | 12.4% | 11.7% | 17.5% | 32% | 14.3% | 6.4% | 4.2% | 0.19% | 0.46% | 0.37% | 0.46% |
| Jul 2026 | 14.2% | 12.9% | 15.8% | 28.9% | 15.8% | 7% | 3.7% | 0.27% | 0.62% | 0.51% | 0.33% |
| Aug 2026 | 16.5% | 14.9% | 18.3% | 22.4% | 14.9% | 6.6% | 4.3% | 0.32% | 0.72% | 0.59% | 0.47% |
| Sep 2026 | 21% | 18.9% | 18.9% | 15.4% | 12.6% | 8.4% | 3% | 0.49% | 0.61% | 0.4% | 0.4% |
| Oct 2026 | 26.6% | 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 Spring EQ changed in the United States over the last 12 months?
3 findings
- Spring EQ was ahead of Lower in every measured month of the 12 months ending October 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, Spring EQ’s share of searches among HELOC lenders in the United States moved from 21.6% to 20.6%, and its estimated monthly branded searches moved from 8.1K to 9.9K.
How did search popularity change for United States HELOC lenders in October 2026?
2 changes
In October 2026, Spring EQ overtook Splash Financial to rank 2nd among HELOC lenders in the United States, with 20.6% of the searches.
In October 2026, Lower rose from 9th to 8th among HELOC lenders in the United States.
How are Lower’s and Spring EQ’s branded searches counted?
2 search terms
Brandwave collects information about searches that people make online using Lower’s and Spring EQ’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.
Other head-to-heads among HELOC lenders
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