Navy Federal Credit Union vs Spring EQ:Which is more popular in the United States?
In October 2026, Spring EQ had more branded searches than Navy Federal Credit Union among HELOC lenders in the United States. Spring EQ had about 9,900 branded searches, while Navy Federal Credit Union had 3,600. Spring EQ made up 20.6% of all HELOC lender searches we track, and Navy Federal Credit Union accounted for 7.5%. When we asked ChatGPT and Google AI Overviews about HELOC lenders, Navy Federal Credit Union and Spring EQ each appeared in one of the five answers. Navy Federal Credit Union and Spring EQ were each mentioned first in one of the two answers that named either.
Who do people search for more?
Spring EQ, about 3 searches for every 1 for Navy Federal Credit Union
Who does AI mention more?
Both were mentioned in 1 of 5 answers.
Who does AI recommend more?
Each is named first in 1 of 2 answers.
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Top HELOC lenders in ChatGPT and Google AI Overviews
In three ChatGPT questions and two Google AI Overviews, Navy Federal Credit Union 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. Navy Federal Credit Union and Spring EQ were each listed first in one of the two answers that named either.
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
Spring EQ10th- +1 more
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 Navy Federal Credit Union or Spring EQ more popular in search?
This chart shows how often people search Google for Navy Federal Credit Union 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, Navy Federal Credit Union. 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% |
Navy Federal Credit Union sells other things too, so only its searches that name this product count here, like “navy federal heloc”.
How has branded search for Navy Federal Credit Union and Spring EQ changed in the United States over the last 12 months?
3 findings
- Spring EQ was ahead of Navy Federal Credit Union in every measured month of the 12 months ending October 2026.
- Across the 12 months ending October 2026, Navy Federal Credit Union’s share of searches among HELOC lenders in the United States moved from 7.7% to 7.5%, and its estimated monthly branded searches moved from 2.9K to 3.6K.
- 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, Navy Federal Credit Union lost share of searches among HELOC lenders in the United States, from 8.4% to 7.5%.
How are Navy Federal Credit Union’s and Spring EQ’s branded searches counted?
2 search terms
Brandwave collects information about searches that people make online using Navy Federal Credit Union’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.
Navy Federal Credit Union
1 branded search term
- navy federal heloc
Spring EQ
1 branded search term
- spring eq
Other head-to-heads among HELOC lenders

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