Purchase Originations
263
Median Total Costs
$4,168
−37.6% vs national ($6,680)
↓ $246 vs prior year
Median Rate
6.375%
−1.8% vs national (6.490%)
↓ 0.500% vs prior year
Median Origination
$695
Median Lender Credits
$1,000
Denial Rate
13.8%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 263 | 6.375% | $4,168 | $695 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Vermont | 153 | 6.375% | $4,380 | #8 |
| New Hampshire | 108 | 6.375% | $3,743 | #25 |
| Maine | 2 | 6.375% | $3,339 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,097 | 6.500% | — | 9 | −$1,071 | |
| 2 | $3,152 | 6.375% | — | 1 | −$1,016 | |
| 3 | $3,339 | 6.375% | — | 2 | −$829 | |
| 4 | $3,512 | 6.375% | — | 26 | −$656 | |
| 5 | $3,808 | 6.375% | — | 11 | −$360 | |
| 6 | $3,839 | 6.375% | — | 3 | −$329 | |
| 7 | $3,859 | 6.500% | — | 3 | −$309 | |
| 8 | $3,867 | 6.375% | — | 48 | −$301 | |
| 9 | $4,032 | 7.375% | — | 1 | −$136 | |
| 10 | $4,054 | 6.000% | — | 1 | −$114 | |
| 11 | $4,182 | 6.375% | — | 17 | +$14 | |
| 12 | $4,183 | 6.625% | — | 11 | +$15 | |
| 13 | $4,324 | 6.375% | — | 14 | +$156 | |
| 14 | $4,380 | 6.375% | — | 89 | +$212 | |
| 15 | $4,605 | 6.500% | — | 7 | +$437 | |
| 16 | $4,652 | 6.375% | — | 7 | +$484 | |
| 17 | $4,833 | 6.438% | — | 4 | +$665 | |
| 18 | $5,102 | 6.000% | — | 1 | +$934 | |
| 19 | $5,490 | 6.375% | — | 6 | +$1,322 | |
| 20 | $5,838 | 6.375% | — | 2 | +$1,670 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Mascoma Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $325,000 | $335,000 | −$10,000 (−3.0%) |
| Median total closing costs | $4,168 | $7,127 | −$2,959 (−41.5%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.