Mortgage lending in Watertown-Fort Drum, NY
1,984 mortgages were originated in the Watertown-Fort Drum, NY area in 2025, and here is what they cost.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 1,984
- Median rate
- 6.500%
- Median lender fees
- $4,269
- Median loan amount
- $165,000
- Median spread over APOR
- 0.133
- Paid discount points
- 33.8%
- Received lender credits
- 36.6%
- Purchases / refinances
- 58.7% / 19.3%
- Conventional / FHA / VA
- 65.5% / 7.1% / 26.9%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 79.1% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Watertown-Fort Drum, NY area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| NORTHERN CREDIT UNION | 339 | $685 | 6.500% |
| MOVEMENT MORTGAGE, LLC | 234 | $7,706 | 6.375% |
| AMERICU Credit Union | 170 | $687 | 6.250% |
| Community Bank, National Association | 158 | — | 7.000% |
| Watertown Savings Bank | 140 | $2,488 | 6.375% |
| Carthage Savings and Loan, National Association | 102 | — | — |
| Rocket Mortgage, LLC | 86 | $6,383 | 6.625% |
| Mortgage Research Center, LLC | 84 | $5,167 | 6.375% |
| Navy Federal Credit Union | 55 | — | 6.125% |
| Genesee Regional Bank | 53 | $8,343 | 6.625% |