Bank of the West - Nationwide Branches

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Branch	Address	View Lobby Hours
Smoky Hill Rd Branch	16778 East Smoky Hill Road, Centennial, CO 80015	View Lobby Hours
Lake Grove	16555 Boones Ferry Road, Lake Oswego, OR 97035	View Lobby Hours
Arden Branch	1651 Response Road, Sacramento, CA 95815	View Lobby Hours
Escalon Branch	1633 First Street, Escalon, CA 95320	View Lobby Hours
Meridian Branch	1630 Wells Avenue, Meridian, ID 83642	View Lobby Hours
Tigard Towne Square Branch	16200 S.W. Pacific Highway, Tigard, OR 97224	View Lobby Hours
Longmont - Hover Branch	1610 Hover Street, Longmont, CO 80501	View Lobby Hours
Encino Branch	16027 Ventura Boulevard, Encino, CA 91436	View Lobby Hours
San Leandro Branch	1601 Washington Avenue, San Leandro, CA 94577	View Lobby Hours
89th & Penn	1600 Sw 89th Street, Oklahoma City, OK 73159	View Lobby Hours
Jackson Main Branch	160 West Pearl Street, Jackson, WY 83001	View Lobby Hours
Hamilton-Meridian Branch	1590 Hamilton Avenue, San Jose, CA 95125	View Lobby Hours
Holbrook Branch	156 West Hopi Drive, Holbrook, AZ 86025	View Lobby Hours
Santa Cruz Branch	1551 Pacific Avenue, Santa Cruz, CA 95060	View Lobby Hours
Sherman Oaks Branch	15165 Ventura Boulevard, Sherman Oaks, CA 91403	View Lobby Hours
Cheyenne North Branch	1515 Dell Range Blvd, Cheyenne, WY 82009	View Lobby Hours
Washington Manor Branch	15075 Farnsworth Street, San Leandro, CA 94579	View Lobby Hours
Clearlake Branch	15050 Olympic Drive, Clearlake, CA 95422	View Lobby Hours
Dickinson Branch	150 West Villard Street, Dickinson, ND 58601	View Lobby Hours
Tahoe City Branch	150 West Lake Boulevard, Tahoe City, CA 96145	View Lobby Hours
Manteca Branch	150 Commerce Avenue, Manteca, CA 95336	View Lobby Hours
Vermillion Branch	15 East Main Street, Vermillion, SD 57069	View Lobby Hours
Cambrian Branch	14948 Camden Avenue, San Jose, CA 95124	View Lobby Hours
Burlingame Branch	149 Park Road, Burlingame, CA 94010	View Lobby Hours
Berkeley Branch	1480 Shattuck Avenue, Berkeley, CA 94709	View Lobby Hours
Salida Banking Center Branch	146 G Street, Salida, CO 81201	View Lobby Hours
St. Helena Branch	1451 Main Street, St. Helena, CA 94574	View Lobby Hours
Central Irvine Branch	14477 Culver Drive, Irvine, CA 92604	View Lobby Hours
Hammer Branch	1440 East Hammer Lane, Stockton, CA 95210	View Lobby Hours
Baldwin Park Branch	14220 Ramona Boulevard, Baldwin Park, CA 91706	View Lobby Hours
Augusta	1420 North Ohio, Augusta, KS 67010	View Lobby Hours
Salt Lake City Branch	142 East 200 South, Salt Lake City, UT 84111	View Lobby Hours
Ramsey Branch	14125 St. Francis Boulevard, Ramsey, MN 55303	View Lobby Hours
Marshall Branch	1410 East College Drive, Marshall, MN 56258	View Lobby Hours
Fruita Branch	141 North Park Square, Fruita, CO 81521	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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