Chad Smart, Mechanics Bank Senior Lending Advisor

Chad Smart

NMLS# 450885

Cell: 805.570.7082
Chad_Smart@mechanicsbank.com

An accomplished, 20-year mortgage veteran, Chad works closely with his clients throughout the lending process to ensure every option is explored and informed decisions are made, whether purchasing or refinancing a home. He holds a B.A. in Business Economics from the University of California at Santa Barbara. In his pastime, Chad is an avid beach-volleyball player, often seen on the courts at Santa Barbara’s East and West Beaches.

Apply now

Why Choose Mechanics Bank?

We've been in California for more than 115 years. Backed by exceptional capital strength and substantial assets, we are a resilient and resourceful California bank whose core banking and lending principles reflect that of a community bank. For over a century, it has been our foremost commitment to exceed our clients’ expectations every day.

Handshake

We’re your neighbors

We’re your neighbors who live and work in your community. We share your values and aspirations. And as bankers, we endeavor to help you achieve your financial goals. It’s a commitment we’ve taken seriously since 1905, when railroad workers, ship builders and immigrants from around the world placed their trust in us. They believed in us, instilling a sense of personal accountability and responsibility that remain part of our culture today.

Money lending

We stand with our communities

Every client has a story and dreams. So do our communities, which grow and prosper through the people who contribute and the businesses that produce. Passionate about giving back, we stand with our communities, giving our time and financial resources to achieve lasting improvements.

Location map

We serve California

With branches spanning everywhere from the Imperial Valley to the Cascades, and from the coastal cities and towns to the Sierra Nevada foothills, we serve California. No other bank is more passionate about providing for its clients’ banking and lending needs, and giving back to its communities across the Golden State. 

Explore the benefits and costs of buying and owning a home.

Start learning today.