Lender in Ohio · HMDA 2025
Mechanics Bank mortgages in Ohio
Mechanics Bank's 2025 home-purchase and refinance lending in Ohio, compared with all lenders in the state.
Mechanics Bank originated 360 owner-occupied single-family loans in Ohio from 404 completed applications.
Its median conventional purchase loan costs were $2,640 versus $4,610 for all Ohio lenders.
Loans in OH
360
of 404 applications
Denial rate
1.1%
Purchase · OH 7.1%
Rate spread
+0.25 pts
Conv. · OH +0.22 pts
Loan amount
$195,000
Purchase · OH $245,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 355 | 316 | 1.1% | — | +0.25 pts | $2,640 | $195,000 |
| Refinance | 49 | 44 | 6.1% | — | +0.28 pts | $3,030 | $235,000 |
| Cash-out refinance | 0 | 0 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Ohio counties where Mechanics Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Richland County | 1 | 253 | 15.7% |
| Ashland County | 3 | 55 | 8.5% |
| Crawford County | 9 | 15 | 3.3% |
| Morrow County | 9 | 12 | 2.5% |
| Knox County | 18 | 12 | 1.3% |
| Huron County | 20 | 6 | 1.0% |
| Wyandot County | 25 | 1 | 0.5% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology