Norm Frates - Mascoma Bank

Norm Frates

Norm Frates headshot

Norm Frates has been a Mortgage Lender since 1991 and part of Mascoma Bank since 2013. He prides himself on structuring mortgages to fit the specific needs of his customers, whether they are financing a new home or refinancing to save on their current mortgage.

Norm is a lifelong resident of Woodstock, Vermont, where he has devoted his time and energy to a number of community pursuits, including Woodstock Ski Runners, Woodstock Recreation Center, and the Woodstock Rotary Club. Norm is also the founder of Zack’s Place Enrichment Center in Woodstock, a center for people with special needs that serves the entire Upper Valley and beyond. He has served as President of the Board since its founding and helped grow the center from a small, five-person facility to an organization that currently provides free daily programming to more than 100 people.

NMLS #126323
429 Woodstock Road
Woodstock, VT 05091

(802) 280-4281
[email protected]

Please click the green button below to create your account and start the application process. Creating this account will establish your User ID and Password. You’ll need this to access your application, provide us with documentation, and receive your disclosures and other information electronically. Click the blue button to access an application you have already started.

Holiday Closures

Mascoma Bank will be closed on Saturday, May 23, 2026, and Monday, May 25, 2026, in observance of the Federal Holiday. Our digital Banking and ATM's will be available to meet your banking needs. We apologize for any inconvenience.

You may experience intermittent service disruptions to Digital Banking on Sunday, May 17, between 7 a.m. – 7 p.m. CT. The disruptions could last for up to 20 minutes at a time.

Mascoma Bank and Androscoggin Bank Announce Plans
for a Multi-Bank Mutual Holding Company Structure