Watertown Savings Bank
Watertown Savings Bank received 195 applications in 2025 and made 158 mortgages, in 1 counties across 1 state. The median rate its borrowers got was 6.375% on a median loan of $155,000. Of 177 decisions, 11 were denials — 6.2%, most often for credit history. 21 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300NVMV4W48B8SC18 |
|---|---|
| Applications received | 195 |
| Mortgages made | 158 |
| Denied | 11 |
| Approved, not taken up | 8 |
| Withdrawn or incomplete | 18 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.07 points |
| FDIC-insured bank | Yes: Watertown Savings Bank, 10 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 89 | 6.250% | $205,000 | 5.1% |
| Refinancing | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Cash-out refinancing | 24 | 6.625% | $125,000 | 11.1% |
| Other purposes | 41 | 6.625% | $55,000 | 6.3% |
Where Watertown Savings Bank lends most
The 1 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Jefferson County, NY | 140 | 6.375% | 6.3% |
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When Watertown 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.