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Our University Avenue, Pampas Lane and Embarcadero Road Branches are open M-F from 10-4. Our Redwood City, Tresidder and Medical Center Branches are closed indefinitely in response to the Governor’s shelter-in-place mandate. All other banking services are continuing as usual. Please contact us 24/7 at 888.723.7328 with questions or concerns, or send a secure Message through Online or Mobile Banking. COVID-19 Updates.

Alert Notification Icon

Our University Avenue, Pampas Lane and Embarcadero Road Branches are open M-F from 10-4. Our Redwood City, Tresidder and Medical Center Branches are closed indefinitely in response to the Governor’s shelter-in-place mandate. All other banking services are continuing as usual. Please contact us 24/7 at 888.723.7328 with questions or concerns, or send a secure Message through Online or Mobile Banking. COVID-19 Updates.

Mortgage Rates

Helpful mortgage rate details

The Conforming loan amount in most locations is $510,400. All loan amounts higher than Conforming are considered Jumbo loans.

Purchase loan rates

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Purchase LoanInterest RateAPRPointsMonthly PaymentsLoan Term [Months]
30 Year Fixed Jumbo3.750%3.778%0$4,515360
15 Year Fixed Jumbo3.250%3.300%0$6,851180
30/15 Year Fixed Balloon Jumbo3.750%3.811%0.25$4,515180
5/1 ARM Jumbo3.250%3.297%0.25$4,243360
7/1 ARM Jumbo3.250%3.297%0.25$4,243360
10/1 ARM Jumbo3.375%3.374%0.25$4,310360
30 Year Fixed Conforming3.250%3.298%0$1,958360
15 Year Fixed Conforming2.750%2.835%0$3,054180
30/15 Year Fixed Balloon Conforming3.625%3.712%0.25$2,052180
5/1 ARM Conforming3.250%3.174%0.5$1,958360
7/1 ARM Conforming3.250%3.203%0.5$1,958360
10/1 ARM Conforming3.375%3.317%0.5$1,989360

Refinance loan rates

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Refinance LoanInterest RateAPRPointsMonthly PaymentsLoan Term [Months]
30 Year Fixed Jumbo3.750%3.847%1$4,515360
15 Year Fixed Jumbo3.375%3.511%0.75$6,910180
30/15 Year Fixed Balloon Jumbo3.750%3.898%1.25$4,515180
5/1 ARM Jumbo3.250%3.334%0.875$4,243360
7/1 ARM Jumbo3.250%3.334%0.875$4,243360
10/1 ARM Jumbo3.375%3.411%0.875$4,310360
30 Year Fixed Conforming3.250%3.331%0.625$1,958360
15 Year Fixed Conforming2.875%2.984%0.375$3,081180
30/15 Year Fixed Balloon Conforming3.625%3.754%0.875$2,052180
5/1 ARM Conforming3.250%3.208%1.125$1,958360
7/1 ARM Conforming3.250%3.236%1.125$1,958360
10/1 ARM Conforming3.375%3.350%1.125$1,989360

Investment rental loan rates

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Investment Rental LoanInterest RateAPRPointsMonthly PaymentsLoan Term [Months]
30/15 Year Fixed Balloon Jumbo3.750%3.811%2.875$4,515180
30 Year Fixed Conforming3.250%3.470%2.125$1,958360
15 Year Fixed Conforming2.875%3.233%1.875$3,081180
30/15 Year Fixed Balloon Conforming3.625%3.985%2.875$2,052180

Home equity loan rates

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Home Equity LoanInterest RateAPRPointsMonthly PaymentsLoan Term [Months]
20 Yr Fixed Second Mortgage6.250%6.857%0$1,827240
Prime HELOC 10 yr Draw/10 yr Repay3.500%3.500%0$729240

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