CRA Performance Evaluation
In accordance with the Community Reinvestment Act (CRA) regulations, Mechanics Bank maintains and, upon request, makes available for public inspection, a complete copy of its CRA Public File, current as of April 1 of the current year. For your convenience, we've made the information available below.
Maps of the Bank's assessment areas showing boundaries and identifying the geographies (census tracts) contained within the areas.
Mechanics Bank offers deposits, mortgage loans, small business and other general consumer products in line with traditional banking services.
Mechanics Bank opted to include its consumer loans (auto) in the most recent CRA performance evaluation. Therefore, the Consumer Loan disclosures are provided below.
2017 – Present: The HMDA data for Mechanics Bank’s residential mortgage lending is available online for review. The data shows geographic distribution of loans and applications; ethnicity, race, sex, age and income of applicants and borrowers; and information about loan approvals and denials. The data is accessed online at the Consumer Financial Protection Bureau’s Web site (www.consumerfinance.gov/hmda). HMDA data for many other financial institutions are also available at this Web site.
