Lender profile
Watertown Savings Bank
Lender Live rate observations
Watertown Savings Bank at a glance
Watertown Savings Bank is a lender based in Massachusetts. LoanMate.ai tracks 7 published loan products from Watertown Savings Bank (7 rate listings), last verified 2026-10-17. Its lowest published rate today is 5.625% on 3/1 ARM. Its 30-year fixed rate of 7.25% is 0.25 points above the national median of 7% (across 233 lenders publishing that product). Watertown Savings Bank lends in Massachusetts only.
Purchase mortgage (7)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| 3/1ARM | 5.625 | 6.832 | 0 | — | 2026-10-17 | Lender source ↗ |
| 5/1ARM | 6.250 | 6.857 | 0 | — | 2026-10-17 | Lender source ↗ |
| 15FP | 6.500 | 6.524 | 0 | — | 2026-10-17 | Lender source ↗ |
| 10FP | 6.500 | 6.534 | 0 | — | 2026-10-17 | Lender source ↗ |
| 7/1ARM | 6.500 | 6.870 | 0 | — | 2026-10-17 | Lender source ↗ |
| 20FP | 7.000 | 7.020 | 0 | — | 2026-10-17 | Lender source ↗ |
| 30FP | 7.250 | 7.265 | 0 | — | 2026-10-17 | Lender source ↗ |
How Watertown Savings Bank compares
Compare all purchase mortgage rates · Best loan rates in Massachusetts
Compare with: 600 Atlantic Federal Credit Union, Alden, Align Credit Union, All One Credit Union
Common questions
What is the lowest published rate at Watertown Savings Bank?
As of October 17, 2026, the lowest rate LoanMate.ai tracks from Watertown Savings Bank is 5.625% on its 3/1 ARM. That is a published, advertised figure — not a quote or an offer. Your actual rate depends on credit, collateral and underwriting, and is set by the lender.
Where does Watertown Savings Bank lend?
Watertown Savings Bank lends in Massachusetts only. Availability can vary by product — confirm eligibility on the lender's website before applying.
How does Watertown Savings Bank's 30-year fixed rate compare nationally?
Watertown Savings Bank publishes 30-year fixed at 7.25%. The national median for that product is 7% across 233 lenders in LoanMate.ai's October 17, 2026 dataset, so Watertown Savings Bank is 0.25 points above the national median.
How to use these figures
LoanMate.ai is an independent information publisher, not a lender, broker, or loan originator. Figures below are public lender observations last verified on the date shown and may have changed; confirm current pricing, terms, fees, eligibility, and license status directly with the lender. Rankings on LoanMate.ai are never influenced by compensation. See our methodology.