MECHANICS BANK
MECHANICS BANK received 628 applications in 2025 and made 517 mortgages, in 13 counties across 1 state. The median rate its borrowers got was 6.190% on a median loan of $165,000. Of 593 decisions, 22 were denials — 3.7%, most often for credit history.
| Legal Entity Identifier | 254900048S1FLI3G2922 |
|---|---|
| Applications received | 628 |
| Mortgages made | 517 |
| Denied | 22 |
| Approved, not taken up | 54 |
| Withdrawn or incomplete | 35 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.395 points |
| FDIC-insured bank | Yes: Mechanics Bank, 169 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 382 | 6.190% | $185,000 | 2.1% |
| Refinancing | 63 | 6.390% | $195,000 | 6.9% |
| Other purposes | 72 | 6.890% | $55,000 | 9.1% |
Where MECHANICS BANK lends most
The 13 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Richland County, OH | 365 | 6.380% | 4.0% |
| Ashland County, OH | 83 | 6.450% | 2.3% |
| Morrow County, OH | 18 | 6.190% | 0.0% |
| Crawford County, OH | 17 | 6.190% | 5.3% |
| Knox County, OH | 15 | 6.190% | 0.0% |
| Huron County, OH | 8 | Under 10 loans | 10.0% |
| Erie County, OH | 4 | Under 10 loans | 20.0% |
| Wayne County, OH | 3 | Under 10 loans | 0.0% |
| Licking County, OH | 1 | Under 10 loans | 0.0% |
| Marion County, OH | 1 | Under 10 loans | 0.0% |
| Tuscarawas County, OH | 1 | Under 10 loans | 0.0% |
| Wyandot County, OH | 1 | Under 10 loans | 0.0% |
| Holmes County, OH | 0 | Under 10 loans | 0.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.