The Bank of New York Mellon Trust Company, National Association - Nationwide Branches

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Branch	Address	View Lobby Hours
Tacoma Trust Office	1313 Broadway, 4th Fl, Tacoma, WA 98402	View Lobby Hours
Cleveland Trust Office Branch	Skylight Office Tower, 1660 West 2nd St, Cleveland, OH 44113	View Lobby Hours
Austin Trust Office Branch	919 Congress Ave Suite 500, Austin, TX 78701	View Lobby Hours
St. Louis Trust Office Branch	911 Washington Avenue, Saint Louis, MO 63101	View Lobby Hours
Atlanta Trust Office Branch	200 Ashford Center North Ste 550, Atlanta, GA 30338	View Lobby Hours
Detroit Trust Office Branch	719 Griswold St Ste 930, Detroit, MI 48226	View Lobby Hours
New Albany Trust Office Branch	6525 West Campus Oval, Ste 200, New Albany, OH 43054	View Lobby Hours
Louisville Trust Office Branch	614 West Main St, Ste 2600, Louisville, KY 40202	View Lobby Hours
Travis Trust Office Branch	601 Travis Street, Houston, TX 77002	View Lobby Hours
500 Ross Street Trust Office	500 Ross Street, 12th Floor, Pittsburgh, PA 15262	View Lobby Hours
Birmingham Trust Office Branch	505 N. 20th St, Ste 950, Birmingham, AL 35203	View Lobby Hours
The Bank Of New York Mellon Trust Company, National Association	400 South Hope Street, Los Angeles, CA 90071	View Lobby Hours
Baton Rouge Trust Office Branch	301 Main St, Ste 1510, Baton Rouge, LA 70825	View Lobby Hours
Indiana Trust Office Branch	300 N. Meridian St, Ste 910, Indianapolis, IN 46204	View Lobby Hours
Dallas Trust Office Branch	2001 Bryan St 11th Floor, Dallas, TX 75201	View Lobby Hours
La Salle Trust Office Branch	2 N Lasalle St, Ste 700, Chicago, IL 60602	View Lobby Hours
Philadelphia Trust Office Branch	1735 Market Street, Philadelphia, PA 19103	View Lobby Hours
Everett Trust Office Branch	135 Santilli Highway, Everett, MA 2149	View Lobby Hours
Jacksonville Trust Office	10161 Centurion Pkw N, Jacksonville, FL 32256	View Lobby Hours
San Francisco Trust Office Branch	100 Pine St Ste 3200, San Francisco, CA 94111	View Lobby Hours
Providence Trust Office Branch	1 Financial Plaza Suite 2200, Providence, RI 2903	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	5.879%	5.750% 0.75 points $4,501 fees	$1,868	Learn More
NMLS ID: 399799	6.115%	6.000% 0.88 points $4,112 fees	$1,919	Learn More

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Featured - Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
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: 7.500 % 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]

The Bank of New York Mellon Trust Company, National Association - Nationwide Branches

Featured - 30 Year Fixed Mortgage Rates 2025

Featured - Home Equity Line Of Credit Rates 2025

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