Watertown Savings Bank (Massachusetts) mortgage approval rate & lending review
Watertown Savings Bank (Massachusetts) decided 273 mortgage applications and funded 266 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Watertown Savings Bank (Massachusetts) reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Watertown Savings Bank (Massachusetts) at a glance
Approval is 14.9 points above the 83.2% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 100% | 135 / 135 | 99% | $505K | 134 |
| Refinance | 98% | 46 / 47 | 100% | $335K | 46 |
| Investment property purchase | 94% | 50 / 53 | 98% | $825K | 49 |
Watertown Savings Bank (Massachusetts) lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Massachusetts | 98% | $505K | 272 | 265 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Watertown Savings Bank (Massachusetts) lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Middlesex County, MA | Investment property purchase | 94% | 48 | 44 |
| Middlesex County, MA | Refinance | 98% | 42 | 41 |
The county markets where Watertown Savings Bank (Massachusetts) made the most loans. Each link opens that market with every lender ranked.
Questions about Watertown Savings Bank (Massachusetts)
What is Watertown Savings Bank (Massachusetts)'s mortgage approval rate?
Watertown Savings Bank (Massachusetts) approved 98.2% of the 273 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 14.9 points above the 83.2% national rate for the same mix of loan types.
How often do borrowers take the loan Watertown Savings Bank (Massachusetts) offers?
Borrowers accepted 99% of the loans Watertown Savings Bank (Massachusetts) approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Watertown Savings Bank (Massachusetts) make?
The typical home purchase mortgage loan Watertown Savings Bank (Massachusetts) made was $505K; across all loan types its typical loan ran from $335K to $825K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Watertown Savings Bank (Massachusetts) lend?
Watertown Savings Bank (Massachusetts) decided applications in 2 of the states Fat Boy Data covers, most of them in Massachusetts and Connecticut.
Can I apply to Watertown Savings Bank (Massachusetts) directly?
Yes. Watertown Savings Bank (Massachusetts) is a bank or credit union with 19 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Watertown Savings Bank (Massachusetts)'s interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Watertown Savings Bank (Massachusetts) treats applications, then get a rate quote from the lender.