Applications / Mortgage Analytics / Lenders / Ohio / Mechanics Bank
Mansfield, OH · State non-member bank · FDIC · $873 million assets · 517 loans in 2025
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517
loans originated, 2025
630
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Mechanics Bank is the largest mortgage lender in Mansfield, Ohio, with 16.4% of the market in 2025, and lends mostly for home purchase, all on conventional loans.
It ranked 1 of 187 lenders in Mansfield, with a share of 16.4%, down 0.4 points from 16.8%, a small change that could come from a few loans moving between lenders. Rocket Mortgage, second, made $31.0M of loans there. Its presence elsewhere is small: it ranked 60 of 592 in non-metro Ohio and 73 of 230 in Sandusky.
Home purchases were 73.9% of its lending. None of its loans was higher-priced (a rate well above the average for similar loans), against 1.6% at similar lenders (state non-member banks making between half and twice as many loans), and its typical rate of 6.19% was lower than about nine in ten of them. Its denial rate on first-lien home-purchase applications was 1.1%, against 5.1%.
Its share of loans to LMI (low- and moderate-income) borrowers, 27.5%, matched similar lenders'. LMI areas took 10.4% of its loans, against 15.8%, which may reflect how many such areas there are in the 12 counties it serves.
Originations rose 4% to 517, slower than about two-thirds of similar lenders, who grew 9%. It made 960 loans in 2020 and 494 in 2023.
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Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Mechanics Bank took 630 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 73.9% · Refinance 12.2% · Home improvement 9.9% · Other 4.1%
Conventional 100.0% · of 517 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Ohio | 517 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Mansfield | 365 |
| Columbus | 19 |
| Sandusky | 4 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900048S1FLI3G2922 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 943675 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 42762 | 1990–1992 |
| Respondent ID (the HMDA filer code before 2018) | 329011 | 1993–2017 |
Established 1 January 1886. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Mechanics Bank's data.
Mechanics Bank's data
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Mechanics Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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