Mascoma Bank in New Hampshire vs the state
12.4%Denial rate-4.08 pts vs state
13.7%Decision denial rate-6.61 pts vs state
71.9%Origination rate+10.19 pts vs state
6.99%Median rate+0.17 pts vs state
-0.21Rate spread (pts)-0.45 pts vs state
$125kMedian applicant income
417Loans originated
72Denied
Trend in New Hampshire
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 697 | 516 | 13.2% | 6.63% | #17 |
| 2024 | 564 | 397 | 16.0% | 7.49% | #23 |
| 2025 | 580 | 417 | 12.4% | 6.99% | #26 |
What Mascoma Bank lends in New Hampshire
By loan purpose
By loan type
Why it denied New Hampshire applicants
Where in New Hampshire
Counties with the most Mascoma Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Grafton County | 264 | 188 | 39 | 14.8% |
| Sullivan County | 125 | 94 | 11 | 8.8% |
| Cheshire County | 76 | 52 | 11 | 14.5% |
| Merrimack County | 52 | 42 | 4 | 7.7% |
| Coos County | 37 | 23 | 5 | 13.5% |
| Hillsborough County | 14 | 9 | 1 | 7.1% |
| Rockingham County | 5 | 4 | 1 | 20.0% |
| Carroll County | 3 | 2 | 0 | 0.0% |
| Strafford County | 2 | 1 | 0 | 0.0% |
| Belknap County | 2 | 2 | 0 | 0.0% |
Other large lenders in New Hampshire
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Citizens Bank | C | 4,969 | 24.3% | 7.40% |
| CMG Mortgage | A | 3,499 | 2.5% | 6.63% |
| Rocket Mortgage | C | 3,090 | 17.0% | 6.75% |
| United Shore Financial Services | B | 2,488 | 8.8% | 6.50% |
| Service Federal Credit Union | C | 2,300 | 25.5% | 6.49% |
| TD Bank | D | 1,811 | 22.5% | 7.54% |
| St. Mary's Bank Credit Union | B | 1,514 | 21.2% | 7.25% |
| Lighthouse Federal Credit Union | D | 1,311 | 34.3% | 7.49% |
| Digital | D | 1,129 | 20.3% | 7.74% |
| Bank of America | F | 1,068 | 28.9% | 5.99% |
Frequently asked questions
New Hampshire: 580 applications in 2025, of which 417 were originated and 72 denied.
12.4% of all applications, or 13.7% of the applications it actually decided on. The New Hampshire statewide average across all lenders was 16.5%.
The median rate on loans Mascoma Bank originated in New Hampshire in 2025 was 6.99%, against a statewide median of 6.82%.
About this data. Figures are Mascoma Bank's own HMDA filing for properties located in New Hampshire, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology