Mechanics Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2023
Mechanics Bank 2023 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Mechanics Bank 725 Alfred Nobel Drive Walnut Creek, CA 94547 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 639 |
| Total Mortgage Loan Application Amount | $708,495,000 |
| Average Mortgage Loan Application Amount | $925,200 |
| Highest Mortgage Loan Application Amount | $40,005,000 |
| Average Applicant Income | $225,800 |
| Highest Applicant Income | $4,429,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2023 with Mechanics Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Mechanics Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2023 breaks down Mechanics Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Mechanics Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Mechanics Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Mechanics Bank's mortgage activity for 2023.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| San Luis Obispo County California | 56 | $ 28,370,000 | $ 506,000 | $ 159,000 |
| Contra Costa County California | 50 | $ 26,250,000 | $ 525,000 | $ 198,000 |
| Jackson County Oregon | 49 | $ 65,315,000 | $ 1,332,000 | $ 0 |
| Los Angeles County California | 46 | $ 227,700,000 | $ 4,950,000 | $ 161,000 |
| Alameda County California | 44 | $ 25,990,000 | $ 590,000 | $ 172,000 |
| Monterey County California | 42 | $ 35,130,000 | $ 836,000 | $ 357,000 |
| Santa Barbara County California | 30 | $ 19,810,000 | $ 660,000 | $ 486,000 |
| Riverside County California | 25 | $ 12,855,000 | $ 514,000 | $ 123,000 |
| Ventura County California | 25 | $ 19,365,000 | $ 774,000 | $ 208,000 |
| San Francisco County California | 20 | $ 6,080,000 | $ 304,000 | $ 169,000 |
| Kern County California | 14 | $ 8,110,000 | $ 579,000 | $ 191,000 |
| Marin County California | 14 | $ 31,300,000 | $ 2,235,000 | $ 104,000 |
| Sacramento County California | 14 | $ 2,770,000 | $ 197,000 | $ 195,000 |
| Butte County California | 13 | $ 2,015,000 | $ 155,000 | $ 73,000 |
| Fresno County California | 13 | $ 10,005,000 | $ 769,000 | $ 168,000 |
| Imperial County California | 13 | $ 2,165,000 | $ 166,000 | $ 134,000 |
| Napa County California | 13 | $ 15,615,000 | $ 1,201,000 | $ 299,000 |
| San Joaquin County California | 12 | $ 10,320,000 | $ 860,000 | $ 162,000 |
| Merced County California | 11 | $ 2,405,000 | $ 218,000 | $ 161,000 |
| Siskiyou County California | 10 | $ 1,080,000 | $ 108,000 | $ 82,000 |
| San Diego County California | 9 | $ 11,065,000 | $ 1,229,000 | $ 282,000 |
| Santa Clara County California | 9 | $ 8,765,000 | $ 973,000 | $ 414,000 |
| Orange County California | 7 | $ 19,245,000 | $ 2,749,000 | $ 593,000 |
| Sonoma County California | 7 | $ 10,365,000 | $ 1,480,000 | $ 261,000 |
| Tulare County California | 7 | $ 5,535,000 | $ 790,000 | $ 97,000 |
| San Mateo County California | 6 | $ 3,750,000 | $ 625,000 | $ 258,000 |
| Solano County California | 6 | $ 6,220,000 | $ 1,036,000 | $ 178,000 |
| Calaveras County California | 5 | $ 1,205,000 | $ 241,000 | $ 154,000 |
| Placer County California | 5 | $ 3,515,000 | $ 703,000 | $ 959,000 |
| Sutter County California | 5 | $ 2,095,000 | $ 419,000 | $ 131,000 |
| Madera County California | 4 | $ 3,960,000 | $ 990,000 | $ 341,000 |
| Nevada County California | 4 | $ 2,000,000 | $ 500,000 | $ 242,000 |
| San Benito County California | 4 | $ 1,500,000 | $ 375,000 | $ 497,000 |
| Santa Cruz County California | 4 | $ 3,120,000 | $ 780,000 | $ 853,000 |
| Tehama County California | 4 | $ 240,000 | $ 60,000 | $ 56,000 |
| Tuolumne County California | 4 | $ 260,000 | $ 65,000 | $ 86,000 |
| San Bernardino County California | 3 | $ 27,665,000 | $ 9,221,000 | $ 0 |
| Stanislaus County California | 3 | $ 835,000 | $ 278,000 | $ 168,000 |
| El Dorado County California | 2 | $ 2,460,000 | $ 1,230,000 | $ 0 |
| Josephine County Oregon | 2 | $ 1,980,000 | $ 990,000 | $ 0 |
| Multnomah County Oregon | 2 | $ 1,980,000 | $ 990,000 | $ 0 |
| Spokane County Washington | 2 | $ 10,160,000 | $ 5,080,000 | $ 0 |
| Maricopa County Arizona | 1 | $ 325,000 | $ 325,000 | $ 68,000 |
| Glenn County California | 1 | $ 235,000 | $ 235,000 | $ 108,000 |
| Kings County California | 1 | $ 115,000 | $ 115,000 | $ 102,000 |
| Mendocino County California | 1 | $ 625,000 | $ 625,000 | $ 430,000 |
| Shasta County California | 1 | $ 805,000 | $ 805,000 | $ 0 |
| Trinity County California | 1 | $ 465,000 | $ 465,000 | $ 196,000 |
| Yuba County California | 1 | $ 25,000 | $ 25,000 | $ 71,000 |
| Beaverhead County Montana | 1 | $ 425,000 | $ 425,000 | $ 192,000 |
| Washoe County Nevada | 1 | $ 255,000 | $ 255,000 | $ 1,299,000 |
| Deschutes County Oregon | 1 | $ 205,000 | $ 205,000 | $ 39,000 |
| Clark County Washington | 1 | $ 14,505,000 | $ 14,505,000 | $ 0 |
| Franklin County Washington | 1 | $ 3,035,000 | $ 3,035,000 | $ 0 |
| Grant County Washington | 1 | $ 805,000 | $ 805,000 | $ 0 |
| King County Washington | 1 | $ 1,005,000 | $ 1,005,000 | $ 0 |
Mortgage Loan Application Detail Totals for Mechanics Bank in 2023
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 259 | $298,235,000 | $1,151,000 | $25,505,000 | $226,000 | $1,655,000 |
| Refinancing | 144 | $315,390,000 | $2,190,000 | $40,005,000 | $198,000 | $1,531,000 |
| Home Improvement | 106 | $39,540,000 | $373,000 | $7,005,000 | $235,000 | $4,429,000 |
| Other Purpose | 75 | $19,165,000 | $255,000 | $2,005,000 | $267,000 | $3,818,000 |
| Cash-out Refinancing | 55 | $36,165,000 | $657,000 | $7,505,000 | $203,000 | $1,603,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 276 | $132,280,000 | $479,000 | $7,505,000 | $240,000 | $4,429,000 |
| Not Provided | 96 | $95,190,000 | $991,000 | $25,505,000 | $305,000 | $3,301,000 |
| Hispanic | 92 | $21,430,000 | $232,000 | $1,805,000 | $147,000 | $1,655,000 |
| Not applicable | 90 | $420,480,000 | $4,672,000 | $40,005,000 | $0 | $0 |
| Asian | 56 | $32,100,000 | $573,000 | $3,205,000 | $249,000 | $1,622,000 |
| Black or African American | 16 | $2,180,000 | $136,000 | $935,000 | $98,000 | $273,000 |
| American Indian or Alaskan Native | 3 | $1,225,000 | $408,000 | $815,000 | $108,000 | $151,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $50,000 | $25,000 | $25,000 | $129,000 | $137,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 639 | $708,495,000 | $1,108,000 | $40,005,000 | $226,000 | $4,429,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 370 | $535,030,000 | $1,446,000 | $40,005,000 | $220,000 | $1,655,000 |
| Application Denied By Financial Institution | 114 | $47,500,000 | $416,000 | $4,905,000 | $127,000 | $1,531,000 |
| Application Withdrawn By Applicant | 60 | $59,520,000 | $992,000 | $25,505,000 | $305,000 | $3,818,000 |
| Loan Purchased By The Institution | 51 | $36,025,000 | $706,000 | $1,485,000 | $220,000 | $494,000 |
| File Closed For Incompleteness | 28 | $14,900,000 | $532,000 | $6,005,000 | $382,000 | $4,429,000 |
| Application Approved But Not Accepted | 9 | $10,425,000 | $1,158,000 | $7,505,000 | $638,000 | $3,301,000 |
| Preapproval Denied by Financial Institution | 5 | $3,965,000 | $793,000 | $1,255,000 | $181,000 | $269,000 |
| Preapproval Approved but not Accepted | 2 | $1,130,000 | $565,000 | $755,000 | $215,000 | $302,000 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 520 | $657,030,000 | $1,263,000 | $40,005,000 | $253,000 | $4,429,000 |
| Debt-To-Income Ratio | 63 | $28,375,000 | $450,000 | $1,775,000 | $99,000 | $337,000 |
| Credit History | 27 | $8,975,000 | $332,000 | $4,005,000 | $147,000 | $1,531,000 |
| Other | 18 | $8,390,000 | $466,000 | $4,905,000 | $151,000 | $537,000 |
| Collateral | 9 | $5,355,000 | $595,000 | $3,005,000 | $224,000 | $939,000 |
| Unverifiable Information | 2 | $370,000 | $185,000 | $185,000 | $178,000 | $178,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Mechanics Bank's 2023 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Mechanics Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in California, download the full spreadsheet
with aggregated HMDA statistics today.