What loan types does Mascoma Bank offer?

Mascoma Bank offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing score and performance metrics.

Where does Mascoma Bank offer mortgages?

Mascoma Bank offers mortgages in 3 states: ME, NH, VT.

How competitive are Mascoma Bank's mortgage rates?

Mascoma Bank has an overall pricing score of 58.9/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Mascoma Bank?

Mascoma Bank is a Bank headquartered in Lebanon, NH.

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Mascoma Bank

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Mascoma Bank has 353 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Sound

3/5

vs. all lenders

Pull-through

Strong

4/5

closing strength

Product

Strong

4/5

Conventional · Jumbo

Place

Sound

3/5

Regional · 1 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

What They Do Well

Strong pull through performance

Explore another lender or local market

Report Card

Mascoma Bank performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Sound

+35.6 bps above market avg

3/5

Pull Through

Closing strength

Strong

Top 40% of lenders

4/5

By Loan Product· Specialization by type

Conventional

319 loans · 0.36% above market

Sound

Top 60% of lenders

3/5

Jumbo

34 loans · 0.32% above market

Strong

Top 40% of lenders

4/5

By Loan Purpose· Transaction purpose mix

Purchase

308 loans · 0.35% above market

Sound

Top 60% of lenders

3/5

Refinance

45 loans · 0.41% above market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Regional · 2 markets

Strong

Top 40% of lenders

4/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Sound	Sound	Sound	319	90.4%	+0.358%Above	$1,279Fees
Jumbo Loans	Strong	Strong	—	Strong	34	9.6%	+0.317%Above	$518Fees

Conventional

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Sound

Volume319

Mix90.4%

Spread

+0.358%Above

Fees

$1,279Fees

Jumbo Loans

Overall

Strong

Product

Strong

Pricing—

Pull Through

Strong

Volume34

Mix9.6%

Spread

+0.317%Above

Fees

$518Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Strong	Sound	308	87.3%	+0.347%Above	$1,146Fees
Refinance	Sound	Sound	Sound	Strong	45	12.7%	+0.415%Above	$1,861Fees

Purchase

Overall

Sound

Product

Sound

Pricing

Strong

Pull Through

Sound

Volume308

Mix87.3%

Spread

+0.347%Above

Fees

$1,146Fees

Refinance

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Strong

Volume45

Mix12.7%

Spread

+0.415%Above

Fees

$1,861Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

353

Applications

500

Volume

$148 million

Pricing & Closing

Avg Rate Spread

+0.356%

vs. market APOR

Avg Net Fees

$1,239

Origination − Credits

Pullthrough Rate

70.6%

Applications → Closed

Typical Borrower

Avg Loan Amount

$420,807

Avg Borrower Income

$268,125

Avg Property Value

$602,394

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

3Full-year 2024 · HMDA

Loans originated

< 1010–100100+None

Northeast3

MENHVT

Top Metro Areas by Place Specialization Score

Burlington, VTMetro

Volume 27Mix 7.65% of portfolio

58/100

Sound

Top States by Place Specialization Score

VermontState

Volume 224Mix 63.46% of portfolio

85/100

Exceptional

New HampshireState

Volume 118Mix 33.43% of portfolio

76/100

Strong

MaineState

Volume 11Mix 3.12% of portfolio

43/100

Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.