Mascoma Bank
Mascoma Bank received 1,310 applications in 2025 and made 927 mortgages, in 31 counties across 4 states. The median rate its borrowers got was 6.875% on a median loan of $205,000. Of 1,192 decisions, 191 were denials — 16.0%, most often for debt-to-income ratio.
| Legal Entity Identifier | 254900JKWAH734HBIE78 |
|---|---|
| Applications received | 1,310 |
| Mortgages made | 927 |
| Denied | 191 |
| Approved, not taken up | 74 |
| Withdrawn or incomplete | 118 |
| Loans bought from other lenders | 2 |
| Median rate spread over the prime offer rate | -0.2015 points |
| FDIC-insured bank | Yes: Mascoma Bank, 26 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 398 | 6.500% | $305,000 | 13.9% |
| Refinancing | 60 | 6.990% | $155,000 | 11.0% |
| Cash-out refinancing | 125 | 6.990% | $135,000 | 19.6% |
| Other purposes | 344 | 6.990% | $125,000 | 17.9% |
Where Mascoma Bank lends most
The 31 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Windsor County, VT | 272 | 6.750% | 18.7% |
| Grafton County, NH | 188 | 6.990% | 16.1% |
| Sullivan County, NH | 94 | 6.933% | 9.9% |
| Orange County, VT | 70 | 6.990% | 18.7% |
| Cheshire County, NH | 52 | 6.990% | 16.7% |
| Chittenden County, VT | 44 | 6.688% | 18.0% |
| Merrimack County, NH | 42 | 6.870% | 8.3% |
| Rutland County, VT | 31 | 6.625% | 20.0% |
| Coos County, NH | 23 | 6.500% | 14.3% |
| Washington County, VT | 19 | 6.500% | 9.5% |
| Windham County, VT | 19 | 6.990% | 16.7% |
| Lamoille County, VT | 18 | 6.625% | 14.3% |
| Hillsborough County, NH | 9 | Under 10 loans | 7.7% |
| Essex County, VT | 7 | Under 10 loans | 20.0% |
| Addison County, VT | 6 | Under 10 loans | 12.5% |
| Caledonia County, VT | 6 | Under 10 loans | 18.2% |
| Franklin County, VT | 5 | Under 10 loans | 16.7% |
| Rockingham County, NH | 4 | Under 10 loans | 20.0% |
| Cumberland County, ME | 3 | Under 10 loans | 0.0% |
| Hancock County, ME | 3 | Under 10 loans | 0.0% |
| York County, ME | 2 | Under 10 loans | 33.3% |
| Belknap County, NH | 2 | Under 10 loans | 0.0% |
| Carroll County, NH | 2 | Under 10 loans | 0.0% |
| Knox County, ME | 1 | Under 10 loans | 0.0% |
| Essex County, MA | 1 | Under 10 loans | 0.0% |
| Strafford County, NH | 1 | Under 10 loans | 0.0% |
| Bennington County, VT | 1 | Under 10 loans | 0.0% |
| Grand Isle County, VT | 1 | Under 10 loans | 0.0% |
| Orleans County, VT | 1 | Under 10 loans | 0.0% |
| Kennebec County, ME | 0 | Under 10 loans | Not published |
| Waldo County, ME | 0 | Under 10 loans | Not published |
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When Mascoma Bank’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.