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Mortgage Servicing

We don't just stop after the mortgage papers
are signed. We offer continuous servicing
of your loan in a variety of ways and provide
solutions that evolve with the life of your loan.

Ready to purchase or refinance? Let's get started.

There are many ways to get the process started on a loan for a new purchase, a refinance, or a home equity loan or line of credit. You can even track rates or contact one of our consultants to get a free analysis.

  • Call Us: To apply for a Home Loan and reach our sales department, please contact us at 800.358.8228 option 4, then extension 1202. (Mon – Fri: 8:00AM – 5:00PM PST)
  • Apply Online: For a purchase, refinance or home equity loan/lines for CA properties apply here. For FHA or VA loans apply here, for properties outside of California, apply here.
  • Send us an email: Provide us with your name and email on our contact us form and one of our Mortgage Representatives will email you. Email us here >
  • Have us call you: Provide us with your name, phone number and best time to contact you and one of our Mortgage Representatives will call you. Provide your information here >
  • Talk to a Home Loan Consultant: Patelco Home loan consultants offer advice and guidance free of charge. Make an appointment >
  • Track Our Rates: For California properties only: Interested in tracking a specific rate for any Home Loan product? Use our quick and easy Rate Tracker*!

*Rates are subject to change without notice. This is not a commitment to lend or a loan approval of any kind. Rate Tracker is available in CA only.

Inquiries by Phone or Email Inquiries by Mail

For questions or information regarding:

  • Annual Escrow Analysis
  • Auto Equity
  • Automatic Payments
  • General Mortgage Loan Inquiries
  • Modifications
  • Mortgage Loan Payments
  • Payoffs
  • Tax Payments
  • Reconveyances

Please contact the Home Loan Mortgage Servicing Department at 800.358.8228 option 4 ext. 1203 or via email at

Please mail all written correspondence to:

Patelco Credit Union
Attention: Mortgage Loan Servicing
PO Box 8020
Pleasanton, CA 94588

Please note regarding payements:

  • Payments must be accompanied by the account number or payment billing statement coupon.
  • All payments received by mail prior to 5:00 pm PST will be posted the same day.
  • Payments made in person will be processed by close of business according to Branch hours.
  • Only checks or money orders should be sent by mail
  • We only accept U.S. dollars as payment in our Branches

Error Resolution

In case of errors, questions, or for information requests about your statement or general loan inquires please contact Patelco through one of the following options:

  • Call us at 800.358.8228 ext. 1203.
  • Send us an email at
  • Please mail all written correspondence to:
    Patelco Credit Union
    Attention: Mortgage Loan Servicing
    PO Box 8020
    Pleasanton, CA 94588

Upon receipt of a written request, we will provide a response within 5 business days. If your written request requires research greater than 5 business days we will acknowledge your request and will continue to research your inquiry. We will provide a completed response within 30–45 days or less.

Insurance Updates – For Home Loans

Patelco has partnered with a company called Allied Solutions to help us ensure that our Hazard and Flood Insurance records for Home Loan holders remain current.

You may receive a letter from Patelco requesting a copy of your insurance policy. If you receive this letter, please make sure that you have adequate dwelling coverage, and that Patelco is listed as the loss payee on your account. In addition, please make sure your Home Loan insurance is equal to replacement value as determined by your insurance carrier.

Patelco Credit Union should be listed as the lien holder, PO Box 1707, Carmel, IN 46082.

You can update your insurance information by:

  • Entering your information online at Please use control number 7100.
  • Asking your agent to call 800.523.6404 and provide the necessary insurance information to an Allied Solutions representative.
  • Mailing a copy of your insurance policy to Allied Solutions at P.O. Box 1707, Carmel, IN 46082
  • Faxing a copy of your insurance to 800.713.0260

Thank you for helping us keep these records current. If you have any questions please call one of our Home Loan experts at 800.358.8228 (option 2, then option 1).

Having financial difficulty?

We understand some of our members are having trouble keeping up with their financial obligations. We also understand that your situation is personal and unique.There are solutions to help you manage but you have to take the first step and let us know your situation.

  • Are you having difficulty with your auto loan, signature loan, line of credit, or credit card payments? Learn More >
  • Are you having difficulty making your mortgage payments? Learn More >
  • Can you spot a foreclosure scam? – Help is free. Learn More >
  • Do you have questions about your loan modification request? Learn More >

There are options available.

Contact Patelco Credit Union and ask us about options that are available for your specific situation. We can be reached at 800.358.8228, ext. 7145 or via email at

You may also want to speak with a counselor from a housing counseling agency that is sponsored by the Department of Housing and Urban Development (HUD). A HUD–approved housing counselor is an experienced, trained professional who can advise you on preventing foreclosure, buying a home, protecting your credit, and other issues.

Remember, there is no charge to work with a HUD-approved counseling agency – help is free!

You may find a housing counselor on the HUD website or by calling their toll free phone number 800.569.4287.