Patrick McArdle

Patrick has been with Mechanics Bank, or affiliate organizations, for 17 years. He specializes in loans involving complex financial analysis on larger properties, including those with agriculture uses. He earned an MBA from the University of California, Irvine, following undergraduate studies at U.C. Davis.

Lisa Ostarello

Lisa has been with Mechanics Bank for over 30 years, and loves that she is now helping second-, and in some cases, third-generation clients. She is passionate about swimming, with her daily goal being to swim 2,500 yards (100 lengths). Coming from a large Italian family, she loves to cook.

Didi Reynoso

Didi brings to Mechanics Bank more than 30 years of experience in the areas of real estate, community reinvestment and mortgage. She has served on numerous non-profit boards and is active in her community and on the Central Coast. On weekends, she enjoys time with her grandchildren and restoring quirky items for her husband’s vintage business.

Michael Rogers

Mike, with over 30 years in the banking industry, enjoys helping clients with single-family, two- to four-unit properties and estates, and tackling complex borrower financial matters. In his spare time, Mike can be found volunteering for the Monterey Peninsula Foundation, which operates the AT&T Pebble Beach Pro-Am. Of course, he is an avid golfer himself.

Karen Sepulveda

Karen began her career with Mid-State Bank in 1978 and has a total of 44 years of experience in the lending field, with many years focused on commercial and residential construction lending. In 2002, Karen changed her career path to mortgage lending. She currently resides in Morro Bay and works out of the Templeton and Morro Bay offices.

Fabio Berzonetti

Alfredo Melendez

Alfredo brings 11 years of banking experience to Mechanics Bank. He has the knowledge and experience to help his clients through the entire mortgage loan process with a high level of service and care. Alfredo is fluent in both English and Spanish. Outside of the office, he likes to spend time with his family, travel and try new restaurants.

Edna Young

Edna specializes in refinances and purchases, and especially enjoys working with first-time homebuyers. She is an active member in Northern Santa Barbara County, from Santa Maria to Santa Ynez. She regularly participates in Relay for Life in Santa Maria and Lompoc, as well as Empty Bowls fundraisers to fight hunger. In her downtime, Edna enjoys antiquing and the relaxation that comes with gardening.