• Special Mortgage Offer
    Get $525 to feather
    your new nest

    Deposited into your OneWest Checking or Savings account within 45 days of the loan funding date.* Additional discounts available up to 0.20% off your mortgage rate.**

    Get Started or call 1.800.761.0745
  • Mortgage Rate Discounts

    Talk to us about ways to reduce your mortgage rate and save thousands over the life of your loan.

    Reduce your mortgage rate with the following discounts:

    0.10% off Your Mortgage Rate
    with 10% of Loan Amount in New Deposits
    OR
    0.20% off Your Mortgage Rate
    with 25% of Loan Amount in New Deposits
  • Home Loan
    Products

    Jumbo Loans

    Purchase your dream home with a jumbo loan up to $5 million. Benefits include customized home loan decision making. Loan Products include fixed-rate and adjustable-rate mortgages (ARMs) with an initial fixed-rate period offering either amortizing or interest only payment options.

    Learn More

    Adjustable-Rate Mortgage

    Purchase your new home with a competitive introductory rate on an adjustable-rate mortgage (ARM) with an initial fixed-rate period. Benefits include competitive rates and low payments for an initial fixed-rate period. Initial interest-only payment options are available for jumbo loans.

    Learn More

    Fixed Rate

    Secure a competitive fixed-rate mortgage on your new home. Available on conforming and jumbo loan balances. Benefits include competitive rates, predictable monthly payments and protection from interest rate fluctuations. There are a wide selection of repayment terms available including 30, 25, 20, 15 and 10 year options.

    Learn More

  • Who We Are
    Your neigborhood. Your bank.

    With over 60 Southern California retail branches spanning from San Diego to Ventura County, OneWest Bank, a division of CIT Bank, N.A. (Member FDIC, Equal Housing Lender) offers local communities a full array of deposit and lending solutions for consumers and small businesses - both in-person and online.

    Backed by CIT, with the strength of over $50 billion in assets, we're here to help you meet your banking and borrowing needs confidently and securely. OneWest Bank is proud to be a growing presence here, supporting the day-to-day financial lives of our customers. OneWest has been recognized by MONEY Magazine as the "Best Bank, California" 2 years in a row, from 2016-2018.

    From MONEY Magazine ©2017 Meredith Corporation. All rights reserved. MONEY® is a registered trademark of Meredith Corporation and is used under license. MONEY and Meredith Corporation are not affiliated with, and do not endorse products or services of, OneWest Bank.

  • Offer Details

    *$525 cash back eligibility: This offer is only available for a new, first lien residential refinance or purchase mortgage loan funded by CIT Bank or OneWest Bank. Customers must open or have a CIT Bank or OneWest Bank deposit account in order to receive $525 cash back deposit. If customers do not have a CIT Bank or OneWest Bank account, a new deposit account must be opened prior to document drawing. $525 cash back will be deposited into the CIT Bank or OneWest Bank account within 45 days of loan closing.

    This offer is limited to one $525 cash back payment per loan. The $525 cash back offer may be discontinued at any time without notice. The value of this offer may be reported to the IRS and the customer is responsible for any federal, state or local taxes.

    **To qualify for the 0.20% mortgage rate discount, you must deposit 25% of the loan amount (not including borrower funds to be used for down payment or funds to close) in new deposits into a OneWest Bank or CIT Bank account. To qualify for the 0.10% mortgage rate discount, you must deposit 10% of the loan amount (not including borrower funds to be used for down payment or funds to close) in new deposits into a OneWest Bank or CIT Bank account. New deposits are defined as funds not on deposit or held in an OneWest Bank or CIT Bank account at, or within 90 days prior to, the time of new account opening. Mortgage rate discounts are taken off the off the rate on fixed-rate mortgage and off the initial fixed-rate on adjustable-rate mortgages. Only new loans funded with OneWest Bank or CIT Bank are eligible for mortgage rate discounts.

    This offer is not a commitment to lend. All loan programs are subject to review and approval of credit and collateral. Rates and terms are subject to change without notice. Not all products are available in all states or for all amounts. Other restrictions and limitations may apply.