Bank of the West - Nationwide Branches

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Branch	Address	View Lobby Hours
Las Cruces Branch	201 North Church Street, Las Cruces, NM 88001	View Lobby Hours
Clovis Branch	200 Shaw Avenue, Clovis, CA 93612	View Lobby Hours
Rock Springs Main Branch	200 North Center Street, Rock Springs, WY 82901	View Lobby Hours
Coddingtown Branch	260 Coddingtown Mall, Santa Rosa, CA 95401	View Lobby Hours
Kings Beach Branch	200 Bear Street, Kings Beach, CA 96143	View Lobby Hours
Petaluma Main Branch	20 Petaluma Boulevard South, Petaluma, CA 94952	View Lobby Hours
Cherry Creek	2 Steele Street, Denver, CO 80206	View Lobby Hours
Sheridan Branch	2 North Main Street, Sheridan, WY 82801	View Lobby Hours
Woodland Hills Branch	19858 Ventura Boulevard, Woodland Hills, CA 91364	View Lobby Hours
Concord Branch	1969 Diamond Boulevard, Concord, CA 94520	View Lobby Hours
San Mateo Branch	195 East 4th Avenue, San Mateo, CA 94401	View Lobby Hours
Forest Grove Branch	1926 Pacific Avenue, Forest Grove, OR 97116	View Lobby Hours
20th & Harney Branch	1921 Harney Street, Omaha, NE 68102	View Lobby Hours
South Bay Branch	19191 South Vermont Avenue, Torrance, CA 90502	View Lobby Hours
Seminole	1907 N. Milt Phillips, Seminole, OK 74868	View Lobby Hours
South Huntington Beach Branch	19006 Brookhurst Street, Huntington Beach, CA 92646	View Lobby Hours
Rowland Heights Branch	19005 East Colima Road, Rowland Heights, CA 91748	View Lobby Hours
Saratoga Branch	18860 Cox Avenue, Saratoga, CA 95070	View Lobby Hours
Woodland Branch	186 Main Street, Woodland, CA 95695	View Lobby Hours
South Pasadena Branch	1833 North Atlantic Boulevard, South Pasadena, CA 91030	View Lobby Hours
180th And West Center Branch	18102 Wright Street, Omaha, NE 68130	View Lobby Hours
Irvine Branch	18022 Culver Drive, Irvine, CA 92612	View Lobby Hours
Gardena Branch	1800 West Redondo Beach Boulevard, Gardena, CA 90247	View Lobby Hours
Cheyenne - Downtown Branch	1800 Carey Avenue, Cheyenne, WY 82001	View Lobby Hours
Thousand Oaks Branch	180 North Moorpark Road, Thousand Oaks, CA 91360	View Lobby Hours
Bank Of The West	180 Montgomery Street, San Francisco, CA 94104	View Lobby Hours
Brighton Branch	1795 East Bridge Street, Brighton, CO 80601	View Lobby Hours
San Lorenzo Branch	17833 Hesperian Boulevard, San Lorenzo, CA 94580	View Lobby Hours
Los Altos Branch	176 Main Street, Los Altos, CA 94022	View Lobby Hours
Cerritos Branch	17303 Carmenita Road, Cerritos, CA 90703	View Lobby Hours
Santa Clara Branch	1705 El Camino Real, Santa Clara, CA 95050	View Lobby Hours
Compton Branch	1701 North Long Beach Boulevard, Compton, CA 90221	View Lobby Hours
Northridge Branch	16900 Nordhoff Street, Northridge, CA 91343	View Lobby Hours
Bellflower Branch	16824 South Bellflower Boulevard, Bellflower, CA 90706	View Lobby Hours
168th & Harrison Branch	16808 Harrison Street, Omaha, NE 68136	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: 399799	6.111%	6.000% 0.88 points $3,977 fees	$1,919	Learn More
NMLS ID: 3030		points fees		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
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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