Bank of the West - Nationwide Branches

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Branch	Address	View Lobby Hours
Alliance Branch	224 Box Butte Avenue, Alliance, NE 69301	View Lobby Hours
Koin	222 Sw Columbia Street Ste 1050, Portland, OR 97201	View Lobby Hours
Laramie Branch	222 Garfield Street, Laramie, WY 82070	View Lobby Hours
Cheyenne East Branch	2200 East Lincolnway, Cheyenne, WY 82001	View Lobby Hours
Southglenn	2200 E Arapahoe Road, Centennial, CO 80122	View Lobby Hours
Hickman Branch	2199 Nw 159th Street, Clive, IA 50325	View Lobby Hours
Oakley Branch	2195 Main Street, Suite D, Oakley, CA 94561	View Lobby Hours
South Tahoe Branch	2161 Lake Tahoe Boulevard, South Lake Tahoe, CA 96150	View Lobby Hours
Lakewood Wadsworth	215 South Wadsworth Boulevard, Lakewood, CO 80226	View Lobby Hours
Lemmon Branch	214 Main Street, Lemmon, SD 57638	View Lobby Hours
Morris Branch	214 Atlantic Avenue, Morris, MN 56267	View Lobby Hours
Trinidad Branch	213 North Commercial Street, Trinidad, CO 81082	View Lobby Hours
Oakland Main Branch	2127 Broadway, Oakland, CA 94612	View Lobby Hours
Wichita - Nw	2123 North Maize Road, Wichita, KS 67212	View Lobby Hours
Shaw-West Branch	2110 West Shaw Avenue, Fresno, CA 93711	View Lobby Hours
Indianola	211 E. Boston Avenue, Indianola, IA 50125	View Lobby Hours
16th & South Branch	2103 South 16th Street, Lincoln, NE 68502	View Lobby Hours
Turlock Branch	2101 Fulkerth Road, Turlock, CA 95380	View Lobby Hours
Eubank Branch	2101 Eubank Boulevard N.E., Albuquerque, NM 87112	View Lobby Hours
Chadron Branch	210 W 3rd Street (3rd And Chadron Avenue), Chadron, NE 69337	View Lobby Hours
Orinda Branch	21 Moraga Way, Orinda, CA 94563	View Lobby Hours
Central Heights Branch	2070 Us Highway 60 - 70, Miami, AZ 85539	View Lobby Hours
Morgan Hill Branch	206 Tennant Station, Morgan Hill, CA 95037	View Lobby Hours
Chatsworth Branch	20516 Devonshire Street, Chatsworth, CA 91311	View Lobby Hours
Denver South Branch	2050 South Downing, Denver, CO 80210	View Lobby Hours
Gordon Branch	205 North Main Street, Gordon, NE 69343	View Lobby Hours
Lakefield Branch	204 Main Street, Lakefield, MN 56150	View Lobby Hours
Fresno Branch	2035 Fresno Street, Fresno, CA 93721	View Lobby Hours
Windom Branch	203 Tenth Street, Windom, MN 56101	View Lobby Hours
Montclair Branch	2023 Mountain Boulevard, Oakland, CA 94611	View Lobby Hours
Fergus Falls West Branch	2015 College Way, Fergus Falls, MN 56537	View Lobby Hours
Cottonwood Heights Branch	2011 Blackstone Rd, Salt Lake City, UT 84121	View Lobby Hours
Sonoma Branch	201 West Napa Street, Sonoma, CA 95476	View Lobby Hours
Paynesville Branch	201 West James Street, Paynesville, MN 56362	View Lobby Hours
Gunnison Branch	201 North Main Street, Gunnison, CO 81230	View Lobby Hours

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Featured - 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Monthly Payment	Learn More
NMLS ID: 1907	0.000%	0.000% 0.00 points $0 fees	$0	Learn More
NMLS ID: 2059741	5.926%	5.875% 0.50 points $1,779 fees	$1,893	Learn More
NMLS ID: 399799	6.111%	6.000% 0.88 points $3,977 fees	$1,919	Learn More
NMLS ID: 1025894	6.223%	6.125% 0.88 points $3,353 fees	$1,945	Learn More

See More Mortgage Rates →

Featured - Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
PenFed Credit Union See Table	0.000 %	$0	Learn More More Info
Interest-only payments during the 10-year draw period Home Equity Line of Credit - Equal Housing Lender Loans Amounts from $25,000 - $500,000 Get a HELOC from PenFed to Put Your Home Equity to Work HELOCs Can Offer Lower Rates Than Credit Cards or Personal Loans
Upstart See Table	Intro APR 6.520 % After Intro: 6.520 %	$20,800	Learn More More Info
1. Upstart Mortgage offers HELOCs from $26K-$250K. An initial draw of 80% of the approved credit limit is required at account opening. 2. Terms shown here are subject to change without notice. APRs for initial advances range from 6.52% to 18.00% based on rates offered as of July 2025. The lowest rate is only available to consumers willing to become a member of a credit union and to those who meet a minimum FICO score of 780, CLTV under 70%, and DTI under 45%. Your actual rate will depend on many factors such as your credit history, combined loan-to-value ratio (CLTV), line amount, loan term, lien position, and property state. Origination fee to open an account is between 0% and 4.99% of the approved credit limit. The Annual Percentage Rate ("APR") is variable and based on the Prime Rate as published in the Wall Street Journal "Money Rates" table plus or minus a margin. Your APR will never be less than 3.99% or greater than 18.00%. Property insurance is required. 3. All mortgage lending conducted by Upstart Mortgage, LLC. NMLS #2443873. As low as 6.52% APR on your initial draw* Get your money up to 10x faster than the industry standard Fixed rate on each draw No paperwork needed to apply
Achieve Loans See Table	Intro APR 6.740 % After Intro: 6.740 %	$0	Learn More More Info
Offers may vary; all loan requests are subject to eligibility requirements, application review, loan amount, loan term, income verification, and lender approval. Product terms are subject to change at any time. Offers are a line of credit. Loans are not available to residents of all states and available loan terms/fees may vary by state where offered. Line amounts between $15,000 and $300,000 and are assigned based on product type, debt-to-income ratio and combined loan-to-value ratio. 10, 15, 20, and 30-year terms available. Minimum 600 credit score applies for debt consolidation requests (20 and 30 year terms require a minimum credit score of 640), minimum 700 applies for cash out requests. Fixed rate APRs range from 6.240%- 14.00% and are assigned based on underwriting requirements. Offer APRs assume automatic payment enrollment which may provide a discount (autopay enrollment is not a condition of loan approval). All terms have a 5-year draw period with the remaining term being a no draw period. Payments are fully amortized during each period and determined on the outstanding principal balance each month. Closing fees range from $750 to $6,685, depending on line amount and state law requirements and typically include origination (up to 3.5% of line amount) and underwriting ($725) fees if allowed by law. Property must be owner-occupied. CLTV ratio may not exceed 75%, including the new loan request. Property insurance is required and flood insurance may be required if the subject property is located in a flood zone. You must pledge your home as collateral. 6.240% APR requires low DTI and CLTV; a maximum loan amount of up to $150,000; 10-year term; FICO 780+; and automatic payment enrollment. Contact Achieve Loans for further details. Equal Housing Opportunity. Competitive rates, Pre-qualify in minutes Mortgage Advisors standing by to help find the best solution Flexible terms with fast funding Minimum credit score: 600
Figure Home Equity See Table	Intro APR 6.850 % After Intro: 6.850 %	$15,000	Learn More More Info
Available APRs range from 6.35% - 14.90%*, which includes the payment of a higher origination fee in exchange for a reduced interest rate, which is not available to all applicants or in all states.(the advertised APR includes a combined 0.25% discount for opting into a credit union membership (0%) and enrolling in autopay (0.25%) as well as payment of higher origination fee in exchange for a reduced rate, which is not available to all applicants or in all states). The lowest APRs are only available to the most qualified applicants, depending on credit profile and the state where the property is located, and those who also select five year loan terms; APRs will be higher for other applicants and those who select longer loan terms. Rates change frequently so your exact APR will depend on the date you apply. APRs for home equity lines of credit do not include costs other than interest. You will be responsible for an origination fee of up to 4.99% of your initial draw, depending on the state in which your property is located and your credit profile. You may also be responsible for paying the costs of valuation if an AVM is not available for your property ($180), manual notarization if your county doesn’t permit eNotary ($380), and recording fees ($0 - $315) and recording taxes, which vary by state and county ($0-$1,400 per one hundred thousand dollars borrowed). Property insurance is required as a condition of the loan and flood insurance may be required if your property is located in a flood zone. Flexible terms, borrow $15K-$750K, redraw up to 100% Use to consolidate debt or finance your next home project 100% digital app & automated valuation Largest non-bank HELOC lender in the US
Third Federal Savings and Loan See Table	Intro APR 6.990 % After Intro: 6.990 %	$0	Learn More More Info
Conditions… Variable APR of Prime minus 1.01% in all states. Min loan amount $10,000. Max loan amount $200,000. 30-year term. Annual fee waived for the first year. See conditions for guarantee at thirdfederal.com. Third Federal rate are typically 20% lower than other leaders Guaranteed Lowest Rate No closing costs, prepayment penalties, or minimum draw requirements 10 year draw period
Four Leaf Federal Credit Union See Table	Intro APR 5.990 % After Intro: 7.250 % Intro Period: 12 months	$25,000	Learn More More Info
Rates/terms are subject to change. All offers of credit are subject to credit approval. Applicants may be offered credit at higher rates and other terms. Property insurance (including flood insurance, if applicable) is required. HELOCs not offered in Texas. Membership at FourLeaf is required by opening a minimum $5 share account. Rates shown are based on primary residence, minimum initial draw of $25,000 at account opening, monthly payments via automatic transfers from a FourLeaf checking/savings account, and borrower(s) inputs for credit score and Combined Loan-to-Value. If borrower(s) qualifies for an intro rate, the intro APR is fixed for 12 months. After, standard APR is variable based on the U.S. Prime Rate, plus a margin, and is subject to increase. To obtain an intro rate, borrower(s) must meet credit/loan program requirements, including (but not limited to): 1) maximum CLTV of 75%, 2) minimum credit score of 720 3) initial draw of $25,000 and maintain this balance for 12 months, 4) monthly payments via automatic transfers from a FourLeaf checking/savings account, and 5) have not had an intro rate within the past 5 years. Loan amounts over $500,000 are not available for the intro rate. The standard APR is variable based on the U.S. Prime Rate as published in the Wall Street Journal, plus a margin (if applicable), and is subject to increase after consummation. The current standard APR ranges from 7.50% - 18.00% as of 4/16/2025. Not all applicants will qualify for the lowest rate. The minimum floor APR is 3.25% and maximum is 18%. Prime Rate as of 4/16/2025 = 7.50%. Closing costs for the first $500,000 will be paid by FourLeaf but must be repaid by the borrower(s) if the HELOC is closed within first 36 months of account opening. Fees generally range between $500 - $15,000. Borrower(s) will be responsible for mortgage-related taxes and title insurance costs on the line amounts over $500,000. Fees generally range between $500 -$60,000. Tap into your home's equity & access the funds you need with a HELOC Apply online or speak with a specialist No application, origination & appraisal fees on lines up to $500K[3] On average, access funds within 35 days[5]

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