KITSAP Credit Union
KITSAP Credit Union received 1,312 applications in 2025 and made 715 mortgages, in 22 counties across 4 states. The median rate its borrowers got was 7.250% on a median loan of $95,000. Of 1,217 decisions, 364 were denials — 29.9%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300YEI60WAHWQ3110 |
|---|---|
| Applications received | 1,312 |
| Mortgages made | 715 |
| Denied | 364 |
| Approved, not taken up | 138 |
| Withdrawn or incomplete | 95 |
| Loans bought from other lenders | 3 |
| Median rate spread over the prime offer rate | 0.72 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 53 | 6.875% | $285,000 | 28.3% |
| Refinancing | 207 | 7.250% | $115,000 | 9.2% |
| Cash-out refinancing | 12 | 6.425% | $315,000 | 7.7% |
| Other purposes | 443 | 7.250% | $65,000 | 36.4% |
Where KITSAP Credit Union lends most
The 22 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Kitsap County, WA | 495 | 7.250% | 24.7% |
| Pierce County, WA | 83 | 7.250% | 40.0% |
| Mason County, WA | 45 | 7.250% | 40.2% |
| Jefferson County, WA | 36 | 7.250% | 35.9% |
| King County, WA | 20 | 7.250% | 38.5% |
| Clallam County, WA | 12 | 7.250% | 42.9% |
| Thurston County, WA | 7 | Under 10 loans | 33.3% |
| Snohomish County, WA | 4 | Under 10 loans | 58.3% |
| Grays Harbor County, WA | 2 | Under 10 loans | 20.0% |
| Island County, WA | 2 | Under 10 loans | 40.0% |
| Spokane County, WA | 2 | Under 10 loans | 0.0% |
| Yakima County, WA | 2 | Under 10 loans | 33.3% |
| Jackson County, IL | 1 | Under 10 loans | 0.0% |
| Benton County, WA | 1 | Under 10 loans | 0.0% |
| Chelan County, WA | 1 | Under 10 loans | 50.0% |
| Lewis County, WA | 1 | Under 10 loans | 33.3% |
| Stevens County, WA | 1 | Under 10 loans | 66.7% |
| Montgomery County, AL | 0 | Under 10 loans | Not published |
| Benton County, IA | 0 | Under 10 loans | Not published |
| Clark County, WA | 0 | Under 10 loans | 0.0% |
| Ferry County, WA | 0 | Under 10 loans | 0.0% |
| Whatcom County, WA | 0 | Under 10 loans | 100.0% |
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When KITSAP Credit Union’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.