FICO score models for a HELOC?

[Anonymous]

Does anyone know what score models are usually used for a HELOC? Bonus points if you know about PennFed specifically?

[jasonbourne84]

I recently asked this question of a number of credit unions (not PenFed though, sorry), and they all told me classic mortgage - EQ5, TU4, EX2. 

[SA0012]

I recently applied for HELOC at penfed and they pulled EQ5

[Revelate]

HELOCs are all over the map because they don't have a secondary market set of standards by unlike a mortgage.  

Surprised to hear Penfed uses EQ FICO 5 but on the other hand some lenders may just use a trimerge or similar to underwrite a HELOC too.