Los Angeles

Own a Philippine Home Loan (OPHL)

How to Apply?

  1. Drop off or mail a complete application package to PNB with supporting documents (see OPHL Requirements) and fees to any of our branches. Click here to download the OPHL application form.

    Officer for Business Development
    3435 Wilshire Blvd., Ste 104
    Los Angeles CA 90010

  2. Upon receipt of the complete application package, PNB branch shall assess the qualifications and creditworthiness of the loan applicant. Evaluation will be conducted in accordance with the bank's credit standards, taking into consideration applicant's credit standing and history, capacity to pay and stability of income/employment. If applicant is deemed qualified and property is ready for appraisal, the branch will request for an inspection and appraisal with the bank's Appraisal Division at the Philippine head office for properties within Metro Manila or Regional Appraisal Units for properties outside Metro Manila.
  3. Once the loan is approved by Head Office, the decision will be conveyed to the applicant in writing.
  4. Upon final approval, loan documentation will be prepared and signed by the borrower/s and/or accommodation mortgagor/s (or grantor/s of collateral), as the case may be. All legal documents for the approved loan will require authentication by the Philippine Consulate. (“Documents that are executed, signed or issued in the United States and intended to be used or presented in the Philippines must bear a consular notarization or authentication, as the case may be, in order for such documents to be accorded legal effect in the Philippines.”)
  5. A deposit (cash or personal check payable to PNB Los Angeles) for closing costs and expenses must be made upon submission of duly-signed loan/legal documents to PNBLA
  6. After reviewing the duly-signed loan/legal documents for completeness, PNBLA shall transmit these to PNB Global Marketing Division - OPHL (PNB GMD-OPHL) at head office in Pasay City, Philippines. Thereafter, PNB GMD-OPHL shall issue PNB's guaranty letter to the seller, developer or current mortgagee, as the case may be.
  7. Upon receipt of the new title in the name of borrower/s and/or accommodation mortgagor/s, from the seller or current mortgagee (letter or notarized deed of undertaking and other pertinent documents, if purchase from an accredited developer), PNB-CFG shall process the registration/annotation of the bank’s mortgage on the new title with the Registry of Deeds where the property is located, obtain all necessary documents and undertake all activities to process the loan release.
Exchange Rates

Rates may change without prior notice.
Buying a home? Check out PNB LA's OPHL Program.


To our Valued Clients,

In the interest of public health and safety, PNB Los Angeles Branch will temporarily suspend operations during Saturdays effective March 21, 2020 until further notice.

We are still OPEN Monday to Friday from 9am-3pm to serve your banking needs.

Thank you for your continued patronage.


Dear Valued Client,

Please be advised of the increase of service charge for the crediting of monthly pensions for all PNB DIRECT DEPOSIT PESO Accounts as follows:

$7.00 $8.00

Note: Service charge for PNB Direct Deposit US Dollar Account remains the same at $10.00.

New charges take effect January 2, 2020.

Thank you.


To our Valued Clients,

Enjoy real-time posting of your contributions to your SSS records. Simply present a valid PRN (payment reference number) when making contribution payments.

Please visit www.pnb.com.ph/obps-sss for more information on the SSS payment process.

Thank you.


In line with the continuing thrust of PHILIPPINE NATIONAL BANK to serve its customers better, effective April 29, 2019, PNB LOS ANGELES BRANCH have moved to 3435 Wilshire Blvd., Ste 104 Los Angeles, CA 90010.

Thank you.


As part of our efforts to serve you better,PNB continues to enhance our systems. We shall inform customers of any scheduled system enhancement activity.

For concerns or inquiries, you maycontact your PNB overseas branch.

Thank you for banking with PNB.

3435 Wilshire Blvd. Ste 104
Los Angeles Ca 90010