Cadence Bank, N.A. - Nationwide Branches

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Branch	Address	View Lobby Hours
Highway 45 Branch	U.S. Highway 45 South And West Broad Street, West Point, MS 39773	View Lobby Hours
Aberdeen Branch	East Commerce Street, Aberdeen, MS 39730	View Lobby Hours
The Woodlands Branch	9595 Six Pines Dr., Suite 1500, The Woodlands, TX 77380	View Lobby Hours
Downtown Houston	909 Fannin, Ste 1350, Houston, TX 77010	View Lobby Hours
Suncoast Bank Branch	8592 Potter Park Drive, Sarasota, FL 34238	View Lobby Hours
Starkville Crossing Branch	818 Highway 12 West, Starkville, MS 39759	View Lobby Hours
Albertville Branch	8031 Us Hwy 431, Albertville, AL 35950	View Lobby Hours
Columbus Branch	803 Main Street, Columbus, MS 39701	View Lobby Hours
Germantown Branch	7878 Farmington Blvd, Germantown, TN 38138	View Lobby Hours
Monroeville Branch	780 South Alabama Avenue, Monroeville, AL 36460	View Lobby Hours
Blountsville Branch	69156 Main Street, Blountsville, AL 35031	View Lobby Hours
Montgomery Branch	6836 Atlanta Highway, Montgomery, AL 36117	View Lobby Hours
Highway 119 Hoover	6801 Cahaba Valley Road, Suite 119, Birmingham, AL 35242	View Lobby Hours
Medical Center Branch	6400 Fannin St, Ste 222, Houston, TX 77030	View Lobby Hours
Tanglewood Branch	6330 San Felipe St, Houston, TX 77057	View Lobby Hours
Oneonta Branch	608 Second Avenue East, Oneonta, AL 35121	View Lobby Hours
Crescent Center Branch	6075 Poplar Avenue, Suite 120, Memphis, TN 38119	View Lobby Hours
University Branch	606 Highway 12 East, Starkville, MS 39759	View Lobby Hours
Hartselle Branch	600 Main Street West, Hartselle, AL 35640	View Lobby Hours
Poplar/Mendenhall Branch	591 South Mendenhall, Memphis, TN 38117	View Lobby Hours
West University Branch	5815 Kirby Drive, Houston, TX 77005	View Lobby Hours
Champions Forest	5548 Fm 1960 Road West, Houston, TX 77069	View Lobby Hours
Philadelphia Main Branch	535 East Main Street, Philadelphia, MS 39350	View Lobby Hours
17th Street Branch	5292 17th Street, Sarasota, FL 34235	View Lobby Hours
Sun City Branch	4842 Sun City Center Boulevard, Sun City Center, FL 33573	View Lobby Hours
Falkville Branch	4662 U.S. Highway 31 Sw, Falkville, AL 35622	View Lobby Hours
Sugar Land Branch	4647 Sweetwater Blvd., Ste A, Sugar Land, TX 77479	View Lobby Hours
Trinity Branch	4010 Little Road, New Port Richey, FL 34655	View Lobby Hours
Beverly Hills Branch	3860 North Lecanto Hwy, Beverly Hills, FL 34465	View Lobby Hours
Highland Village Branch	3754 Westheimer Rd, Houston, TX 77027	View Lobby Hours
Palm Harbor Office	36301 Us Highway 19 North, Palm Harbor, FL 34684	View Lobby Hours
Bluecutt Branch	3601 Bluecutt Road, Columbus, MS 39701	View Lobby Hours
Childersburg Branch	33327 Highway 280, Childersburg, AL 35044	View Lobby Hours
Rainbow City Branch	3201 Rainbow Drive, Rainbow City, AL 35906	View Lobby Hours
Huntsville Branch	312 Clinton Avenue West, Huntsville, AL 35801	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: 1835285	5.635%	5.500% 1.00 points $4,800 fees	$1,817	Learn More
NMLS ID: 2463124	5.658%	5.500% 0.75 points $5,706 fees	$1,817	Learn More
NMLS ID: 1001884 License#: 0922379	5.819%	5.750% 0.63 points $2,399 fees	$1,868	Learn More

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Featured - Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
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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