Lender in California · HMDA 2025
Mechanics Bank mortgages in California
Mechanics Bank's 2025 home-purchase and refinance lending in California, compared with all lenders in the state.
Mechanics Bank originated 354 owner-occupied single-family loans in California from 392 completed applications.
Its median conventional purchase loan costs were $8,370 versus $7,920 for all California lenders, at a median 30-year fixed rate of 6.50% (California: 6.625%).
Loans in CA
354
of 392 applications
Denial rate
5.1%
Purchase · CA 8.9%
Rate spread
−0.21 pts
Conv. · CA +0.09 pts
Loan amount
$1,185,000
Purchase · CA $575,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 313 | 294 | 5.1% | 6.500% | −0.21 pts | $8,370 | $1,185,000 |
| Refinance | 53 | 45 | 15.1% | — | −0.21 pts | $4,250 | $1,185,000 |
| Cash-out refinance | 26 | 15 | 42.3% | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
California counties where Mechanics Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Marin County | 23 | 21 | 0.9% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology