Watertown Savings Bank (New York) mortgage approval rate & lending review
Watertown Savings Bank (New York) decided 440 mortgage applications and funded 411 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Watertown Savings Bank (New York) reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Watertown Savings Bank (New York) at a glance
Approval is 17.7 points above the 78.7% 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 | 97% | 181 / 187 | 98% | $185K | 177 |
| Home improvement loans | 99% | 69 / 70 | 94% | $45K | 65 |
| Cash-out refinance | 95% | 69 / 73 | 100% | $95K | 69 |
| Investment property purchase | 95% | 60 / 63 | 95% | $255K | 57 |
Watertown Savings Bank (New York) lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| New York | 96% | $185K | 440 | 411 |
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 (New York) lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Jefferson County, NY | Mortgage lenders | 97% | 187 | 177 |
| Jefferson County, NY | Cash-out refinance | 95% | 73 | 69 |
| Jefferson County, NY | Home improvement loans | 99% | 70 | 65 |
| Jefferson County, NY | Investment property purchase | 95% | 63 | 57 |
| Jefferson County, NY | Refinance | 100% | 21 | 20 |
The county markets where Watertown Savings Bank (New York) made the most loans. Each link opens that market with every lender ranked.
Questions about Watertown Savings Bank (New York)
What is Watertown Savings Bank (New York)'s mortgage approval rate?
Watertown Savings Bank (New York) approved 96.4% of the 440 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 17.7 points above the 78.7% national rate for the same mix of loan types.
How often do borrowers take the loan Watertown Savings Bank (New York) offers?
Borrowers accepted 97% of the loans Watertown Savings Bank (New York) 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 (New York) make?
The typical home purchase mortgage loan Watertown Savings Bank (New York) made was $185K; across all loan types its typical loan ran from $45K to $255K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Watertown Savings Bank (New York) lend?
Watertown Savings Bank (New York) decided applications in 1 of the states Fat Boy Data covers, most of them in New York.
Can I apply to Watertown Savings Bank (New York) directly?
Yes. Watertown Savings Bank (New York) 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 (New York)'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 (New York) treats applications, then get a rate quote from the lender.