Bank of the West - Nationwide Branches

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Branch	Address	View Lobby Hours
Columbus Branch	2714 23rd Street, Columbus, NE 68601	View Lobby Hours
Valencia Branch	27011 Mcbean Parkway,suite 101, Valencia, CA 91355	View Lobby Hours
Mission Viejo Branch	26941 Crown Valley Parkway, Mission Viejo, CA 92691	View Lobby Hours
Portola Branch	2675 San Bruno Avenue, San Francisco, CA 94134	View Lobby Hours
Silverthorne Branch	264 Adams Avenue, Silverthorne, CO 80498	View Lobby Hours
Oroville Branch	2626 Oro Dam Boulevard, Oroville, CA 95966	View Lobby Hours
Los Lunas West Branch	2610 Main Street Nw, Los Lunas, NM 87031	View Lobby Hours
Lakeside Branch	2606 Ocean Avenue, San Francisco, CA 94132	View Lobby Hours
Coolidge Branch	260 West Central Avenue, Coolidge, AZ 85128	View Lobby Hours
Redfield Branch	26 East Seventh Avenue, Redfield, SD 57469	View Lobby Hours
Hubbell Branch	2596 Hubbell Avenue, Des Moines, IA 50317	View Lobby Hours
Loehmann's Plaza Branch	2581 Fair Oaks Boulevard, Sacramento, CA 95825	View Lobby Hours
American Language Program At The Ca	25800 Carlos Bee Boulevard, Hayward, CA 94542	View Lobby Hours
Conifer Branch	25657 Conifer Road, Conifer, CO 80433	View Lobby Hours
Wichita - Downtown	255 North Main, Wichita, KS 67202	View Lobby Hours
Bishop Ranch 7 Branch	2527 Camino Ramon, San Ramon, CA 94583	View Lobby Hours
Antioch Branch	2507 Somersville Road, Antioch, CA 94509	View Lobby Hours
Ceres Branch	2501 East Whitmore Avenue, Ceres, CA 95307	View Lobby Hours
Pasadena East Branch	2500 East Colorado Boulevard, Pasadena, CA 91107	View Lobby Hours
Commercial Banking Group - Minneapol	250 Marquette Avenue, Suite 575, Minneapolis, MN 55401	View Lobby Hours
Tanasbourne Branch	2495 N.W. Town Center Drive, Beaverton, OR 97006	View Lobby Hours
Newport Branch	248 S.W. Coast Highway, Newport, OR 97365	View Lobby Hours
Grand Junction Mesa Mall Branch	2452 Patterson Road, Grand Junction, CO 81505	View Lobby Hours
Hayward Southland Branch	24299 Southland Drive, Hayward, CA 94545	View Lobby Hours
Douglas Branch	240 South 4th Street, Douglas, WY 82633	View Lobby Hours
Campbell Branch	2395 Winchester Boulevard, Campbell, CA 95008	View Lobby Hours
San Marino Branch	2395 Huntington Drive, San Marino, CA 91108	View Lobby Hours
Westlake Branch	239 Westlake Center, Daly City, CA 94015	View Lobby Hours
Torrance Branch	23865 Hawthorne Boulevard, Torrance, CA 90505	View Lobby Hours
Lusk Branch	231 South Main Street, Lusk, WY 82225	View Lobby Hours
Visalia Branch	2301 South Mooney Boulevard, Visalia, CA 93277	View Lobby Hours
Hanford Branch	230 West Seventh Street, Hanford, CA 93230	View Lobby Hours
Lodi Branch	229 South Church Street, Lodi, CA 95240	View Lobby Hours
Livermore Branch	2287 Second Street, Livermore, CA 94550	View Lobby Hours
South San Francisco Branch	2288 Westborough Boulevard, South San Francisco, CA 94080	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: 292473	5.872%	5.750% 0.75 points $4,254 fees	$1,868	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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