Watertown Savings Bank in New York vs the state
5.6%Denial rate-14.11 pts vs state
6.2%Decision denial rate-17.83 pts vs state
81.0%Origination rate+21.44 pts vs state
6.38%Median rate-0.25 pts vs state
-0.07Rate spread (pts)-0.28 pts vs state
$108kMedian applicant income
158Loans originated
11Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 229 | 196 | 2.6% | 6.19% | #182 |
| 2024 | 204 | 176 | 3.9% | 6.38% | #201 |
| 2025 | 195 | 158 | 5.6% | 6.38% | #208 |
What Watertown Savings Bank lends in New York
By loan purpose
By loan type
Why it denied New York applicants
Where in New York
Counties with the most Watertown Savings Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 174 | 140 | 10 | 5.7% |
Other large lenders in New York
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Citizens Bank | C | 20,315 | 32.7% | 7.97% |
| Rocket Mortgage | C | 19,924 | 22.0% | 6.88% |
| United Shore Financial Services | B | 14,777 | 11.2% | 6.50% |
| JPMorgan Chase Bank | B | 14,735 | 11.7% | 6.38% |
| Manufacturers and Traders Trust | C | 12,335 | 31.3% | 5.99% |
| Bank of America | F | 10,193 | 35.7% | 5.99% |
| Bethpage Federal Credit Union | C | 9,736 | 47.2% | 6.49% |
| TD Bank | D | 9,239 | 30.2% | 7.69% |
| Newrez | D | 8,654 | 24.2% | 6.75% |
| ESL Federal Credit Union | B | 7,817 | 17.6% | 4.50% |
Frequently asked questions
New York: 195 applications in 2025, of which 158 were originated and 11 denied.
5.6% of all applications, or 6.2% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans Watertown Savings Bank originated in New York in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are Watertown Savings Bank's own HMDA filing for properties located in New York, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology