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    Patelco Credit Union San Jose East

    3.7 (57 reviews)
    Open 10:00 am - 2:00 pm

    Services - Patelco Credit Union San Jose East

    Auto loan

    Mortgage services

    Personal banking

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    WORST SERVICE I came in today with a PATELCO CASHIER CHECK & for a withdrawal & it took the cashier & assistant manager almost half an hour to "verify" the check. Way too long if someone has any idea how to verify a check

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    1 month ago

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    Tashae R.

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    1 month ago

    Ana was very helpful I should have came long time ago. She helped me with my loan it was easy.

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    Tashae R.

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    11 months ago

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    Tashae R.

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    1 year ago

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    Jessica R.

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    3 years ago

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    3 years ago

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    5 years ago

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    2 years ago

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    2 years ago

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    3 years ago

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    3 years ago

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    7 years ago

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    4 years ago

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    5 years ago

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    3 years ago

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    5 years ago

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    3 years ago

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    4 years ago

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    3 years ago

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    3 years ago

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    3 years ago

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    6 years ago

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    7 years ago

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    Patrick R.

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    6 years ago

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    Summer S.

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    6 years ago

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    5 years ago

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    9 years ago

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    6 years ago

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    7 years ago

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    Summer S.

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    6 years ago

    I am very greatful with Patelco, specially with Mary Ann Szabo for the excellent costumer service. I highly recoment it to any one!

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    4 years ago

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    4 years ago

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    5 years ago

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    12 years ago

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    11 years ago

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    Marla L.

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    12 years ago

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    10 years ago

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    17 years ago

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    6 years ago

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    6 years ago

    I went in today to open a checking account and they were all very polite and explained everything well.

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    Review Highlights - Patelco Credit Union San Jose East

    Mr Robert Gonzalez, the branch manager, was extremely helpful in guiding me and my wife to do a 60-day IRA rollover.

    Mentioned in 8 reviews

    Read more highlights

    Loan Factory

    Loan Factory

    4.5
    (143 reviews)

    Amazing company! Dean Le and Ronnie Nguyen worked efficiently and helped me with my process!read more

    We attempted a home refinance with Loan Factory and worked with Arton Chau as our loan officer and…read moreAnder David Herrera as our processor. Our refi did have some unique circumstances given I was on maternity leave at the time and I wanted to give some grace for that, but the issues we had went far beyond a complicated refi. Additionally, when we decided to go with another company, the process was so smooth that it proved the situation never should have been viewed as that complicated to begin with. The main issues were: 1) Information would be asked for, we would provide that information, nothing would happen, we would ask questions then they would share they needed information that we had already provided that was right there in the same email thread. 2) The information they claimed to need from my employer kept escalating. They asked for a letter verifying I was still employed despite being on leave, my employer provided it, nothing happened, we checked on progress and they said we needed more. They asked to speak with my manager to simply confirm my employment, they didn't contact her for over a week, then they asked HR type questions she couldn't possibly answer. Then they claimed they just needed HR to confirm verbally that they had issued the letter, then they finally talked to HR and asked a bunch more questions. It was bizarre and honestly, my employer was apologizing to me by the end of it while I was apologizing to them. 3) They didn't care about official loan deadlines, because it seemed to be their plan to keep asking for extensions. We initiated everything on 9/8 and as of 10/17, past the 30 day mark, they were still "gathering information." Working with the company we ended up going with, we started with them on 10/21 and everything was completely wrapped up by 11/14. 4) When working with other loan officers I've had experience with, they will do things periodically on weekends or in the evenings as necessary to hit deadlines. This team seemed to never work weekends and at one point Ander went MIA for over a week of the process and was supposedly on vacation with no back-up. This wouldn't be a big deal if it were a longer process, but over a week out of 30 days is pretty extreme. From what I can tell, these people just aren't that skilled. They clearly have a big company and Factory is an apt name for it as I think they just get as much business as they can get, turn and burn, and don't really care about the service they are providing.

    John Zialcita - Loan Factory

    John Zialcita - Loan Factory

    5.0
    (52 reviews)

    John was not my mortgage consultant, but man... was he great to work with us through our closing…read moreprocess! My husband and I recently made a purchase and our mortgage consultant didn't know what the hell he was doing, two weeks in, he needed help from his manager where his manager could care less about us because he was retiring. The week of our closing day, I felt like we weren't going to close, so that's when I googled WF mortgage consultant in the Bay Area and John's name popped up and I had contacted him. Unlike our WF mortgage consultant who had lacked on communication, John was very informative; he'd give me a call in the evening after I had left him a voicemail message when he was driving home from work. He'd also give me a call during his lunch. During the closing process, we were frustrated with our mortgage consultant that I just wanted John to take over, but John reassured me that it was late in the process and I was better off just sticking with who I have (he was right, we just had to stay cool and positive). He also gave us the closing process steps of what we'll be expecting. John is patient, attentive, kind and smart. If you are with WF, immediately take your loan to him and have him process it. I hope corporate is reading this because John truly cares, even for a stranger like me who wasn't his client, but he took his time to make sure everything was A-OK! Thanks John! You're an awesome person.

    I've worked with John for the past 2 years on home mortgages and came with high recommendations…read morefrom an agent I was working with at the time. John is very responsive, communicates clearly and his team is very on-the-ball. Often times, I get reminder emails and phone calls from his team to speed along the loan process. His team is also very responsive. When in a pinch and I need even better information, I can always count on calling John and he'll get back to me as soon as he's available. It's been a joy to work with John and I've recommended him to my friends and family.

    Express Real Estate and Mortgage

    Express Real Estate and Mortgage

    5.0
    (8 reviews)

    Tony, Bruce, and the team at Express are extremely professional. In every instance, they were…read morealways a step ahead of the process, making every step seamless and painless.  Any questions that I had were answered in mere minutes and the team was always available to help me understand the process. I came out of this viewing Tony and Bruce as a friend who always had me and my family's interests in mind. Rest assured Tony and Bruce go above and beyond to assist their clients. I would recommend anyone to reach out to them!  They will provide clarity to the process and make sure you understand every step along the way.

    For anyone running a business you know first hand that service and transparency is IMPORTANT…read more Service - Early is on time, on time is late and late is unheard off. That's the service I got when we came seeking Bruce. What he can do hell try and what he can't he'll use his network to better service the people. Plus his smile cool Transparency - seems to be dead now a day and I don't understand why! I mean for my last realtor little shit keeps popping up everyday and it's dreadful. I dislike that a lot when it come to getting the right loan, right team for my home. Bruce and his team did a wonderful job keeping my wife and I in the loop and no unexpected surprises! Overall I hope Bruce and his Team don't change their way of business and keep pushing it for the people! Warm regards, Hieu Tran the INSURANCE MAN

    Loan Simple

    Loan Simple

    4.6
    (10 reviews)

    I worked with Houston, the branch manager for my first home loan. I must say that i couldn't have…read morepurchased a house in this competitive market without Houston and my agent. Houston and his staff are professional and knowledgeable about home loans. Above all, Houston has a lot of empathy for his customers and he goes out of the way to make things happen especially for a first time home buyer like me. I highly recommend him and Gold star mortgage to prospective home buyers.

    Avoid going to this lender. They are very careless and unprofessional. They made me…read morelose almost 10 thousand dollars for having me remove a loan contingency. Turns out I didn't even get approved for the loan. Thanks a lot Loan Simple for that slap in the face. I m a first time home buyer and I trusted you to help me buy my home. Not only did I not get the house I also lost almost 10 grand of my hard earned cash to the buyer because someone wasn't following procedures. Next time if anyone ever goes here be sure to be cautious and make sure they have your loan approved before they have you remove the contingency. You will lose your deposit money like I did. This place deserves a negative 5 stars. If you value your hard earn money go to the real professionals not these people. I m not even sure they have their license. Jeannie's name was on all my paperwork that they handled for me. She had her assistant Tammy handle my loan. I did my research on Tammy and found out she has no license. I found this out on Zillow . On her profile it says license to work in no states. That means she's not licensed to do loans. Avoid this place as much as you can.

    Stephen Wong - Bayone Reic

    Stephen Wong - Bayone Reic

    4.9
    (204 reviews)

    Stephen went above and beyond during mine and my boyfriend's first home purchase. He was super…read morecommunicative and even connected directly with my agent to ensure everything went smoothly. We recently had the opportunity to refinance and without hesitation, Stephen reached out directly to us as soon as he noticed rates were coming down. We did not need to chase him for it nor constantly inquire about it--he just felt like it was the right time and reached out! I'm very grateful for Stephen and his team and will definitely be referring him to our friends and family.

    Based on his numerous good reviews, I messaged Stephen early last August about the possibility of…read moregetting a United Wholesale Mortgage (UWM) 15-year fixed home loan at 1.99%. This was a new program announced by press release, which I read about in a Yahoo! Finance article, through a link on Google News. Having worked previously in real estate and finance, I knew what the key points were to our situation, so I included those in the message to Stephen, asking whether he would be able to do the loan. Stephen responded abruptly by saying that he would have to talk with me by phone, to discuss "details." After I called him, he proceeded to try to browbeat me into accepting a different program at a higher interest rate. His approach was to use old-fashioned psychological pressure tactics, along the lines of: "Are you so naïve that you think you could actually get such a loan? That rate is just a teaser that you would never actually get." He was crude, demeaning and even insulting. I informed him, politely, that I had a background in real estate and finance, so I was not naïve about these things, offering him one last chance to do business with us, if he was so inclined. But he insisted that the loan would not be possible for us, so I thanked him and said goodbye. Shortly thereafter, I found a straightforward loan broker who in fact did the loan for us, on exactly the terms I had in mind: 1.99% 15-year fixed, with a reasonable fee. We closed in less than three weeks and none of the things that Stephen said were obstacles turned out to be an issue. I am pleased to report that my wife and I are now enjoying substantially lower monthly payments. BOTTOM LINE: If you want someone with an "old-school" approach to sales--involving psychological games, pressure tactics and absence of transparency (resulting in your not getting the best deal that you could)--Stephen Wong may be a good fit for you. Anyone interested in connecting with the straightforward broker we ultimately used is welcome to send me a private message, as I'm not allowed to include that information in my review.

    Patelco Credit Union San Jose East - banks - Updated July 2026

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