When I got a HELOC I looked at local banks and credit unions first, but none had rates as competitive as the lender I ultimately went with, Third Federal. Their current HELOC rate is 2.99% which is a lot lower than the big banks I've seen. The whole process was over phone/e-mail with a secure portal to upload all the necessary documents.
If you bought your home recently enough, they may allow you to use your previous appraisal, but if not you'll have to get a new one. 80% LTV ratio is pretty standard; if you find a lender that will allow you to go higher than that, know that you'll pay for it in higher rates and/or fees, so read the fine print.