Mascoma Bank mortgage approval rate & lending review
Mascoma Bank decided 352 mortgage applications and funded 287 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Mascoma Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Mascoma Bank at a glance
Approval is 9.9 points above the 79.3% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 88% | 158 / 179 | 92% | $425K | 145 |
| Home improvement loans | 93% | 69 / 74 | 88% | $125K | 61 |
| Cash-out refinance | 79% | 23 / 29 | 96% | $255K | 22 |
| Investment property purchase | 93% | 42 / 45 | 93% | $335K | 39 |
Mascoma Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| New Hampshire | 88% | $295K | 152 | 123 |
| Vermont | 87% | $425K | 134 | 107 |
| Maine | 97% | $455K | 65 | 56 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Mascoma Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Merrimack County, NH | Mortgage lenders | 88% | 43 | 36 |
| Merrimack County, NH | Home improvement loans | 94% | 31 | 28 |
| Cumberland County, ME | Mortgage lenders | 93% | 27 | 22 |
The county markets where Mascoma Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Mascoma Bank
What is Mascoma Bank's mortgage approval rate?
Mascoma Bank approved 89.2% of the 352 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 9.9 points above the 79.3% national rate for the same mix of loan types.
How often do borrowers take the loan Mascoma Bank offers?
Borrowers accepted 91% of the loans Mascoma Bank approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Mascoma Bank make?
The typical home purchase mortgage loan Mascoma Bank made was $425K; across all loan types its typical loan ran from $125K to $425K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Mascoma Bank lend?
Mascoma Bank decided applications in 4 of the states Fat Boy Data covers, most of them in New Hampshire, Vermont and Maine.
Can I apply to Mascoma Bank directly?
Yes. Mascoma Bank is a bank or credit union with 26 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Mascoma Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Mascoma Bank treats applications, then get a rate quote from the lender.