Mascoma Bank: 2025 mortgage rates, costs & approvals
How Mascoma Bank priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: Mascoma Bank · LEI 254900JKWAH734HBIE78
In 2025, Mascoma Bank originated 303 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 3 states — 968th by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 6.375% (all lenders: 6.625%); its median rate spread was 23 basis points below the national median. Median conventional loan costs were $4,180, 25% lower than the national median ($5,570).
It denied 12.7% of completed home-purchase applications (all lenders: 8.5%).
How Mascoma Bank priced home-purchase loans
| Purchase loans, 2025 | Mascoma Bank | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.375% | 6.625% |
| 30-year fixed rate · FHA | — | 6.250% |
| 30-year fixed rate · VA | — | 6.125% |
| 15-year fixed rate · conventional | — | 5.875% |
| Rate spread vs. APOR · conventional | −0.10 pts | +0.13 pts |
| Total loan costs · conventional | $4,180 | $5,570 |
| Total loan costs · FHA | — | $11,310 |
| Total loan costs · VA | — | $6,490 |
| Origination charges (all types) | $700 | $1,860 |
| Borrowers paying discount points | 19.7% | 51.3% |
| Points paid, when paid (% of loan) | 0.50% | 0.87% |
| Borrowers receiving lender credits | 19.3% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Why Mascoma Bank denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where Mascoma Bank lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| Vermont | 175 | 231 | 14.3% | 6.375% | $4,430 |
| New Hampshire | 125 | 164 | 10.5% | 6.375% | $3,750 |
| Maine | 3 | 3 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Mascoma Bank's page for that state.
Counties where Mascoma Bank is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Windsor County, VT | 2 | 101 | 16.4% |
| Orange County, VT | 4 | 20 | 7.6% |
| Grafton County, NH | 4 | 56 | 6.4% |
| Sullivan County, NH | 5 | 29 | 5.9% |
| Lamoille County, VT | 9 | 7 | 2.9% |
| Coos County, NH | 10 | 9 | 2.8% |
| Cheshire County, NH | 13 | 15 | 1.7% |
| Essex County, VT | 13 | 1 | 1.6% |
| Rutland County, VT | 16 | 7 | 1.5% |
| Addison County, VT | 12 | 4 | 1.5% |
| Windham County, VT | 11 | 5 | 1.4% |
| Washington County, VT | 16 | 9 | 1.3% |
| Grand Isle County, VT | 17 | 1 | 1.1% |
| Caledonia County, VT | 20 | 3 | 1.1% |
| Chittenden County, VT | 18 | 16 | 0.9% |
Check Mascoma Bank yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 254900JKWAH734HBIE78.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from Mascoma Bank with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology