Mascoma Bank in Vermont vs the state
16.5%Denial rate+1.64 pts vs state
18.0%Decision denial rate-0.03 pts vs state
69.7%Origination rate+4.87 pts vs state
6.75%Median rate+0.04 pts vs state
-0.20Rate spread (pts)-0.33 pts vs state
$134kMedian applicant income
500Loans originated
118Denied
Trend in Vermont
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 697 | 502 | 13.5% | 6.63% | #5 |
| 2024 | 653 | 448 | 15.5% | 7.29% | #5 |
| 2025 | 717 | 500 | 16.5% | 6.75% | #7 |
What Mascoma Bank lends in Vermont
By loan purpose
By loan type
Why it denied Vermont applicants
Where in Vermont
Counties with the most Mascoma Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Windsor County | 386 | 272 | 67 | 17.4% |
| Orange County | 98 | 70 | 17 | 17.3% |
| Chittenden County | 68 | 44 | 11 | 16.2% |
| Rutland County | 46 | 31 | 8 | 17.4% |
| Windham County | 29 | 19 | 4 | 13.8% |
| Lamoille County | 23 | 18 | 3 | 13.0% |
| Washington County | 22 | 19 | 2 | 9.1% |
| Essex County | 14 | 7 | 2 | 14.3% |
| Caledonia County | 13 | 6 | 2 | 15.4% |
| Addison County | 9 | 6 | 1 | 11.1% |
Other large lenders in Vermont
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Eastrise Federal Credit Union | A | 3,529 | 5.1% | 6.50% |
| Rocket Mortgage | C | 1,165 | 22.0% | 6.75% |
| North Country | C | 1,135 | 9.5% | 7.25% |
| Vermont Federal Credit Union | A | 1,003 | 12.0% | 6.75% |
| Citizens Bank | C | 826 | 38.9% | 7.65% |
| Emm Loans | B | 761 | 1.5% | 6.63% |
| Union Bank | B | 641 | 4.5% | 6.63% |
| Manufacturers and Traders Trust | C | 617 | 30.8% | 5.99% |
| Community Bank | D | 607 | 13.3% | 7.00% |
| Northeast Home Loan | A | 524 | 2.1% | 6.50% |
Frequently asked questions
Vermont: 717 applications in 2025, of which 500 were originated and 118 denied.
16.5% of all applications, or 18.0% of the applications it actually decided on. The Vermont statewide average across all lenders was 14.8%.
The median rate on loans Mascoma Bank originated in Vermont in 2025 was 6.75%, against a statewide median of 6.71%.
About this data. Figures are Mascoma Bank's own HMDA filing for properties located in Vermont, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology