Farmers and Merchants Bank of Long Beach - Nationwide Branches

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Branch	Address	View Lobby Hours
Huntington Beach Branch	7125 Yorktown Avenue, Huntington Beach, CA 92648	View Lobby Hours
Lakewood Branch	5101 Lakewood Boulevard, Lakewood, CA 90712	View Lobby Hours
San Clemente Branch	501 N El Camino Real, San Clemente, CA 92672	View Lobby Hours
Belmont Shore Branch	4827 East Second Street, Long Beach, CA 90803	View Lobby Hours
Newport Beach Branch	4695 Macarthur Ct, Newport Beach, CA 92660	View Lobby Hours
Bixby Knolls Center Branch	4545 California Avenue, Long Beach, CA 90807	View Lobby Hours
San Juan Capistrano Branch	31873 Del Obispo Street, San Juan Capistrano, CA 92675	View Lobby Hours
West Fullerton Branch	315 North Harbor Boulevard, Fullerton, CA 92832	View Lobby Hours
East Long Beach Branch	3140 Anaheim Street, Long Beach, CA 90802	View Lobby Hours
Farmers And Merchants Bank Of Long B	302 Pine Avenue, Long Beach, CA 90802	View Lobby Hours
Memorial Hospital Branch	2801 Atlantic Avenue, Long Beach, CA 90806	View Lobby Hours
Rolling Hills Branch	27525 Indian Peak Road, Rolling Hills, CA 90274	View Lobby Hours
Tustin Branch	2691 Park Avenue, Tustin, CA 92780	View Lobby Hours
Laguna Hills Branch	24300 Paseo De Valencia, Laguna Hills, CA 92653	View Lobby Hours
Lake Forest Branch	23772 Rockfield Boulevard, El Toro, CA 92630	View Lobby Hours
Los Altos Branch	2302 Bellflower Boulevard, Long Beach, CA 90815	View Lobby Hours
Torrance Branch	22400 Hawthorne Boulevard, Torrance, CA 90505	View Lobby Hours
Santa Ana Branch	1750 East Seventeenth Street, Santa Ana, CA 92701	View Lobby Hours
Town & Country Branch	12535 Seal Beach Boulevard, Seal Beach, CA 90740	View Lobby Hours
Orange Branch	1220 East Katella Avenue, Orange, CA 92867	View Lobby Hours
Garden Grove Branch	10422 Garden Grove Boulevard, Garden Grove, CA 92843	View Lobby Hours
Redondo Beach Branch	1304 S. Pacific Coast Hwy, Redondo Beach, CA 90277	View Lobby Hours
Corona Del Mar Branch	2421 East Coast Hwy, Corona Del Mar, CA 92625	View Lobby Hours
Downey Branch	9001 Firestone Blvd, Downey, CA 90241	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: 408902	5.849%	5.750% 0.75 points $3,457 fees	$1,868	Learn More
NMLS ID: 1067	5.958%	5.875% 0.88 points $2,867 fees	$1,893	Learn More
NMLS ID: 447490	5.982%	5.875% 0.75 points $3,699 fees	$1,893	Learn More

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Featured - Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Figure Home Equity Line See Table	0.000 %	$0	Learn More More Info
The Figure Home Equity Line is an open-end product where the full loan amount (minus the origination fee) will be 100% drawn at the time of origination. The initial amount funded at origination will be based on a fixed rate; however, this product contains an additional draw feature. As the borrower repays the balance on the line, the borrower may make additional draws during the draw period. If the borrower elects to make an additional draw, the interest rate for that draw will be set as of the date of the draw and will be based on an Index, which is the Prime Rate published in the Wall Street Journal for the calendar month preceding the date of the additional draw, plus a fixed margin. Accordingly, the fixed rate for any additional draw may be higher than the fixed rate for the initial draw. Approval may be granted in fi ve minutes but is ultimately subject to verifi cation of income and employment, as well as verifi cation that your property is in at least average condition with a property condition report. Five business day funding timeline assumes closing the loan with our remote online notary, and where loan amounts are under $400,000 which would not require an appraisal. Funding timelines may be longer for loans secured by properties located in counties that do not permit recording of e-signatures or that otherwise require an in-person closing, or that require a waiting period prior to closing, or where loan amounts exceed $400,000. #1 Non-bank HELOC in the US, A+ BBB Rating Access $15,000 to $750,000 in home equity with flexible terms Approval in as few as 5 minutes, funding in as few as 5 days Use to consolidate debt, finance your next home project, or major expenses
Upstart Home Lending 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 dba Upstart Home Lending. 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
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

Farmers and Merchants Bank of Long Beach - Nationwide Branches

Featured - 30 Year Fixed Mortgage Rates 2025

Featured - Home Equity Line Of Credit Rates 2025

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