Watertown Savings Bank
Watertown Savings Bank received 123 applications in 2025 and made 98 mortgages, in 7 counties across 1 state. The median rate its borrowers got was Not published on a median loan of $570,000. Of 101 decisions, 2 were denials — 2.0%.
| Legal Entity Identifier | 5493009IWRQ5BJEI4M92 |
|---|---|
| Applications received | 123 |
| Mortgages made | 98 |
| Denied | 2 |
| Approved, not taken up | 1 |
| Withdrawn or incomplete | 22 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Watertown Savings Bank, 10 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 71 | Not published | $655,000 | 2.7% |
| Refinancing | 17 | Not published | $355,000 | 0.0% |
| Other purposes | 10 | Not published | $205,000 | 0.0% |
Where Watertown Savings Bank lends most
The 7 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Middlesex County, MA | 85 | Not published | 2.3% |
| Barnstable County, MA | 3 | Under 10 loans | 0.0% |
| Essex County, MA | 3 | Under 10 loans | 0.0% |
| Norfolk County, MA | 3 | Under 10 loans | 0.0% |
| Suffolk County, MA | 2 | Under 10 loans | 0.0% |
| Bristol County, MA | 1 | Under 10 loans | 0.0% |
| Worcester County, MA | 1 | Under 10 loans | 0.0% |
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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.