Mortgage Loans

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Whether you’re building, buying, or refinancing, we offer both fixed and adjustable-rate mortgages as well as no closing cost options.



Our Online Mortgage Lending Center is your one stop shop for all your mortgage needs.  We’ve streamlined the process to make applying for your mortgage easy and straightforward.  That means a better loan experience for you.  Apply online and use our Borrower Portal to upload, manage and e-sign documents saving extra trips to the bank.  We even have a handy checklist for items you'll need to supply and a schedule of fees to help you determine potential closing costs.  But don’t worry – if you need us, we’re still here and happy to help you step-by-step.




For questions regarding your financing options or current rate information, contact our loan department at (315) 836-8440 or 1-(800)-870-8510 to speak with a mortgage specialist.


You can also mail your concerns to:

Watertown Savings Bank

111 Clinton St.

Watertown, NY 13601


You may also file complaints and obtain further information about Watertown Savings Bank by contacting us directly, or by contacting the New York State Department of Financial Services Consumer Assistance Unit at 1-800-342-3736 or by visiting the Department’s website at  Watertown Savings Bank is registered with NYSDFS.

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Commercial Loans

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