Mortgage lending in Kitsap County, Washington
Lenders in Kitsap County, Washington reported 11,746 mortgage applications for 2025, according to the CFPB.
11,746 mortgage applications and 7,286 loans originated in 2025; the denial rate was 17.4% of 9,349 applications decided. The median loan was about $375,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Bremerton-Silverdale-Port Orchard, WA MSA.
- 11,746
- Applications
- 7,286
- Loans originated
- 17.4%
- Denial rate
- 1,628 denied of 9,349 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 11,746 | 7,286 |
| 2024 | 10,560 | 6,619 |
| 2023 | 9,361 | 5,833 |
| 2022 | 15,329 | 9,684 |
| 2021 | 28,610 | 19,218 |
| 2020 | 30,192 | 20,044 |
| 2019 | 19,138 | 12,244 |
| 2018 | 15,885 | 9,848 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| United Wholesale Mortgage | 523 | 677 |
| Kitsap Credit Union | 495 | 840 |
| Rocket Mortgage | 462 | 623 |
| Navy Federal Credit Union | 452 | 866 |
| Boeing Employees' Credit Union | 297 | 501 |
| Evergreen Moneysource Mortgage Company | 293 | 380 |
| Crosscountry Mortgage, LLC | 256 | 377 |
| Movement Mortgage, LLC | 250 | 316 |
| Newrez LLC | 185 | 312 |
| Cornerstone First Mortgage, LLC | 145 | 171 |
| Mortgage Research Center | 135 | 292 |
| New American Funding, LLC. | 132 | 204 |
| CMG Mortgage Inc | 123 | 167 |
| Pennymac Loan Services LLC | 120 | 198 |
| Freedom Mortgage Corporation | 112 | 232 |
| Guild Mortgage Company | 109 | 164 |
| Bank of America NA | 108 | 238 |
| US Bank, N.A. | 106 | 188 |
| Fairway Independent Mort Corp | 101 | 135 |
| Kitsap Bank | 89 | 127 |
| Lennar Mortgage, LLC | 78 | 83 |
| Inspire Home Loans Inc. | 77 | 95 |
| DHI Mortgage Company, LTD. | 75 | 94 |
| Guaranteed Rate, Inc. | 74 | 116 |
| loanDepot.com LLC | 71 | 126 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 126 | 19.8% of 101 decided |
| Asian | 663 | 24.5% of 515 decided |
| Black or African American | 220 | 18.8% of 181 decided |
| Native Hawaiian or Other Pacific Islander | 99 | 28.4% of 81 decided |
| White | 7,792 | 16.3% of 6,280 decided |
| 2 or more minority races | withheld | |
| Joint | 706 | 14.9% of 569 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 2,081 | 19.2% of 1,577 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 575 | 19.6% of 455 decided |
| Not Hispanic or Latino | 8,585 | 17.0% of 6,906 decided |
| Joint | withheld | |
| Ethnicity Not Available | 2,084 | 19.5% of 1,588 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 3,547 | 20.1% of 2,782 decided |
| Female | 1,986 | 19.9% of 1,603 decided |
| Joint | 5,086 | 13.7% of 4,117 decided |
| Sex Not Available | 1,127 | 22.0% of 847 decided |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 120 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved