The Waterford Commercial and Savings Bank
The Waterford Commercial and Savings Bank received 52 applications in 2025 and made 43 mortgages, in 9 counties across 3 states. The median rate its borrowers got was Not published on a median loan of $135,000. Of 52 decisions, 3 were denials — 5.8%.
| Legal Entity Identifier | 984500EA889BH01D0J94 |
|---|---|
| Applications received | 52 |
| Mortgages made | 43 |
| Denied | 3 |
| Approved, not taken up | 6 |
| Withdrawn or incomplete | 0 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: The Waterford Commercial and Savings Bank, 2 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 21 | Not published | $155,000 | 4.4% |
| Refinancing | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Cash-out refinancing | 1 | Under 10 loans | Under 10 loans | 33.3% |
| Other purposes | 19 | Not published | $135,000 | 4.4% |
Where The Waterford Commercial and Savings Bank lends most
The 9 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Washington County, OH | 22 | Not published | 3.7% |
| Morgan County, OH | 8 | Under 10 loans | 10.0% |
| Perry County, OH | 5 | Under 10 loans | 0.0% |
| Muskingum County, OH | 2 | Under 10 loans | 33.3% |
| Wood County, WV | 2 | Under 10 loans | 0.0% |
| Athens County, OH | 1 | Under 10 loans | 0.0% |
| Gallia County, OH | 1 | Under 10 loans | 0.0% |
| Knox County, OH | 1 | Under 10 loans | 0.0% |
| McKean County, PA | 1 | Under 10 loans | 0.0% |
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When The Waterford Commercial and Savings Bank’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.