James Espana

NMLS# 502250

Office: 925.586.3671
James_Espana@MechanicsBank.com

James is a seasoned loan officer with nearly 30 years of experience in the mortgage industry. Helping individuals and families achieve their dreams of homeownership, the San Francisco native is renowned for putting his clients first to ensure they receive the best possible financing options.

He holds an M.B.A. from St. Mary's College.

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Why Choose Mechanics Bank?

We've been in California for more than 120 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.

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.

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.

We serve California

With branches spanning 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.

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