Home Equity Loan. What is it? Reusable line of credit where your home serves as collateral. Bank deposit products provided by UMB Bank n.a., Member FDIC. Equal Housing Lender. When you click links marked with the symbol, you will leave UMB’s website and go to websites that are not controlled.Fixed-Rate Home Equity Loan – You’ll have the same principal and interest payment for the life of the loan. Fixed-Rate Home Equity loans are No need to worry about making payments to a different lender. Online access – Manage your account through online and mobile banking from anywhere.Finally, TD Bank offers very clear loan requirements and information by providing “loan guides” for each product. This can help borrowers evaluate Though TD Bank does have a variety of products, many of which accommodate varying credit profiles, some borrowers may find that the loans with the.