Applications / Mortgage Analytics / Lenders / New Hampshire / Mascoma Bank
Lebanon, NH · State member bank · FRS · $3.0 billion assets · 927 loans in 2025
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927
loans originated, 2025
1,310
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Mascoma Bank, of Lebanon, New Hampshire, is a conventional-only lender with a top-ten place in rural Vermont and New Hampshire and a rising share in Burlington.
It ranks 4 of 264 lenders in non-metro Vermont, behind EastRise Federal Credit Union, EMM Loans and Rocket Mortgage, and 7 of 386 in non-metro New Hampshire. In Burlington-South Burlington it ranks 10 of 146, with 3.0% of the dollars against 2.2% a year earlier.
Originations rose 7% to 927, the same as the typical similar lender (state member banks making between half and twice as many loans), while the whole market grew 10%. Its $352.1 million in loans was more than at about seven in ten peers, and 5.6% of its loans were jumbo (larger than the conforming limit), against 1.7%. Its loans fell each year from 1,771 in 2020, its first reported year, to 864 in 2024, a fall that may reflect fewer refinances at higher rates.
Every loan was conventional, where the typical peer made 3.4% of theirs insured by the Federal Housing Administration. Manufactured homes were 6.6% of its loans, against 0.9%, higher than nine in ten peers.
9.1% of its loans were in low- and moderate-income (LMI) tracts, against 16.3%, among the lowest tenth, and none in majority-minority tracts. A possible reason is the make-up of the mostly non-metro markets it serves. Its share to LMI borrowers, 26.2%, was near the peers' 28.0%.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2020–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Mascoma Bank took 1,310 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 42.9% · Home improvement 21.7% · Refinance 20.0% · Other 15.4%
Conventional 100.0% · of 927 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Vermont | 500 | 53.9% |
| New Hampshire | 417 | 45.0% |
| Maine | 9 | 1.0% |
| Massachusetts | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Burlington-South Burlington | 50 |
| Manchester-Nashua | 9 |
| Portland-South Portland | 5 |
| Rockingham County-Strafford County | 5 |
| Cambridge-Newton-Framingham | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900JKWAH734HBIE78 | 2020–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 268006 | 2022–2023 |
Established 1 January 1899. Reported under HMDA 2020-2025.
Mergers, name changes, data editions and corrections: Mascoma Bank's data.
Mascoma Bank's data
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Mascoma Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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