Mortgage lenders in Kitsap County
7,286 mortgages were made in Kitsap County, Washington, in 2025, by 385 lenders. The median rate their borrowers got was 6.500% on a median loan of $375,000. Of 9,349 decisions, 1,628 were denials — 17.4%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 523 | 6.094% | $445,000 | 7.1% |
| KITSAP Credit Union | 495 | 7.250% | $85,000 | 24.7% |
| Rocket Mortgage, LLC | 462 | 6.625% | $325,000 | 14.8% |
| Navy Federal Credit Union | 452 | 7.650% | $205,000 | 27.4% |
| Boeing Employees Credit Union | 297 | 6.490% | $145,000 | 30.3% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | 293 | 6.625% | $425,000 | 0.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 256 | 6.625% | $455,000 | 4.3% |
| MOVEMENT MORTGAGE, LLC | 250 | 6.500% | $435,000 | 5.3% |
| NEWREZ LLC | 185 | 6.250% | $435,000 | 8.7% |
| Cornerstone First Mortgage, Inc | 145 | 6.375% | $425,000 | 0.7% |
| Mortgage Research Center, LLC | 135 | 6.125% | $465,000 | 27.7% |
| Broker Solutions, Inc. | 132 | 6.625% | $415,000 | 10.7% |
| CMG MORTGAGE, INC. | 123 | 6.433% | $505,000 | 5.8% |
| PENNYMAC LOAN SERVICES, LLC | 120 | 6.499% | $425,000 | 11.4% |
| FREEDOM MORTGAGE CORPORATION | 112 | 5.875% | $465,000 | 8.2% |
| GUILD MORTGAGE COMPANY | 109 | 6.375% | $485,000 | 3.3% |
| Bank of America, National Association | 108 | 5.995% | $205,000 | 37.5% |
| U.S. Bank National Association | 106 | 6.625% | $390,000 | 29.1% |
| Fairway Independent Mortgage Corporation | 101 | 6.625% | $425,000 | 4.7% |
| Kitsap Bank | 89 | Not published | $175,000 | 22.6% |
| LENNAR MORTGAGE, LLC | 78 | 4.990% | $570,000 | 1.3% |
| INSPIRE HOME LOANS INC. | 77 | 5.000% | $575,000 | 2.3% |
| DHI MORTGAGE COMPANY, LTD. | 75 | 5.375% | $485,000 | 3.9% |
| GUARANTEED RATE, INC. | 74 | 6.500% | $470,000 | 3.9% |
| Loandepot.Com, LLC | 71 | 6.990% | $225,000 | 26.0% |
| Umpqua Bank | 66 | 7.625% | $355,000 | 25.3% |
| 1st Security Bank of Washington | 66 | 6.500% | $370,000 | 6.9% |
| NATIONSTAR MORTGAGE LLC | 64 | 8.125% | $120,000 | 5.9% |
| NBKC BANK | 63 | 5.875% | $535,000 | 7.4% |
| SAMMAMISH MORTGAGE COMPANY | 58 | 6.375% | $465,000 | 3.3% |
| CORNERSTONE CAPITAL BANK, SSB | 57 | 6.625% | $415,000 | 0.0% |
| CANOPY MORTGAGE, LLC | 55 | 6.375% | $395,000 | 0.0% |
| SPRING EQ, LLC | 54 | 8.663% | $100,000 | 56.4% |
| JPMorgan Chase Bank, National Association | 54 | 6.500% | $440,000 | 11.1% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 52 | 6.625% | $420,000 | 0.0% |
| HOMEAMERICAN MORTGAGE CORPORATION | 51 | 4.875% | $595,000 | 5.4% |
| Eastside Funding LLC | 50 | 12.000% | $255,000 | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 38 | 6.875% | $445,000 | 2.6% |
| KIND LENDING, LLC | 35 | 6.625% | $395,000 | 29.4% |
| Sound Credit Union | 31 | 6.750% | $105,000 | 27.3% |
| THE LOAN STORE, INC. | 31 | 6.625% | $455,000 | 11.9% |
| FIGURE LENDING LLC | 30 | 10.375% | $75,000 | 32.7% |
| OriginPoint, LLC | 30 | 6.600% | $565,000 | 0.0% |
| GESA | 30 | 8.438% | $115,000 | 9.1% |
| LAKEVIEW LOAN SERVICING, LLC | 29 | 6.250% | $325,000 | 50.6% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 29 | 6.250% | $385,000 | 13.9% |
| SCENIC OAKS FUNDING, LLC | 27 | 6.624% | $405,000 | 3.6% |
| Wells Fargo Bank, National Association | 26 | 6.375% | $415,000 | 18.8% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 26 | 6.188% | $370,000 | 18.8% |
| ALLIANT CREDIT UNION | 26 | 9.000% | $110,000 | 15.6% |
| Paramount Residential Mortgage Group, Inc. | 25 | 6.250% | $475,000 | 0.0% |
| AmeriSave Mortgage Corporation | 23 | 8.625% | $125,000 | 70.7% |
| Banner Bank | 23 | 7.750% | $205,000 | 41.9% |
| HomeStreet Bank | 23 | 7.750% | $345,000 | 17.9% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 23 | 10.250% | $205,000 | 8.0% |
| FINANCE OF AMERICA REVERSE LLC | 23 | 6.625% | $255,000 | 0.0% |
| WASHINGTON STATE EMPLOYEES CREDIT UNION | 22 | 7.240% | $85,000 | 50.0% |
| KBHS HOME LOANS, LLC | 22 | 5.950% | $515,000 | 0.0% |
| PULTE MORTGAGE LLC | 22 | 5.563% | $490,000 | 4.4% |
| AMERICAN FINANCIAL NETWORK, INC. | 21 | 6.625% | $475,000 | 0.0% |
| Click n' Close, Inc. | 21 | 6.375% | $285,000 | 8.3% |
| NOVA FINANCIAL & INVESTMENT CORPORATION | 21 | 6.250% | $505,000 | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 20 | 8.790% | $115,000 | 28.3% |
| SOFI BANK, NATIONAL ASSOCIATION | 19 | 7.500% | $215,000 | 24.0% |
| Plains Commerce Bank | 19 | 6.500% | $365,000 | 0.0% |
| PRIORITY HOME LENDING, LLC | 19 | 6.125% | $345,000 | 17.4% |
| T2 FINANCIAL LLC | 19 | 6.500% | $485,000 | 0.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 18 | 6.563% | $505,000 | 0.0% |
| Coastal Community Bank | 17 | 10.240% | $55,000 | 2.4% |
| USAA Federal Savings Bank | 17 | 6.125% | $425,000 | 37.0% |
| KeyBank National Association | 17 | 6.750% | $255,000 | 48.5% |
| VILLAGE CAPITAL & INVESTMENT LLC | 17 | 5.625% | $455,000 | 2.9% |
| Timberland Bank | 17 | 8.000% | $485,000 | 15.0% |
| PHH Mortgage Corporation | 16 | 6.058% | $465,000 | 5.9% |
| The Federal Savings Bank | 15 | 6.250% | $475,000 | 34.8% |
| CARRINGTON MORTGAGE SERVICES, LLC | 13 | 6.125% | $415,000 | 59.4% |
| BAY EQUITY LLC | 13 | 6.625% | $445,000 | 0.0% |
| FIRST FED BANK | 13 | Not published | $345,000 | 13.3% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 13 | 6.125% | $445,000 | 6.7% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 13 | 7.000% | $255,000 | 11.1% |
| Lendage, LLC | 13 | 11.750% | $85,000 | 18.8% |
| Third Federal Savings and Loan Association of Cleveland | 12 | 6.990% | $135,000 | 38.1% |
| GoodLeap, LLC | 12 | 7.438% | $135,000 | 6.3% |
| Morgan Stanley Private Bank, National Association | 12 | 6.238% | $735,000 | 0.0% |
| Global Federal Credit Union | 12 | 6.500% | $360,000 | 14.3% |
| PENTAGON FEDERAL CREDIT UNION | 11 | 7.000% | $305,000 | 42.1% |
| MLD MORTGAGE INC. | 11 | 6.625% | $425,000 | 0.0% |
| Olympia Federal Savings & Loan Association | 11 | 6.625% | $485,000 | 0.0% |
| PLANET HOME LENDING, LLC | 11 | 5.750% | $445,000 | 0.0% |
| ZILLOW HOME LOANS, LLC | 11 | 6.250% | $455,000 | 15.4% |
| NATIONS DIRECT MORTGAGE, LLC | 11 | 6.375% | $535,000 | 0.0% |
| HARBORSTONE | 10 | 7.500% | $115,000 | 35.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 10 | 6.123% | $625,000 | 0.0% |
| PNC Bank, National Association | 10 | 6.683% | $215,000 | 31.3% |
| PENINSULA COMMUNITY | 10 | 7.800% | $105,000 | 18.8% |
| OCMBC, INC. | 10 | 6.875% | $415,000 | 9.1% |
| 21st Mortgage Corporation | 9 | Under 10 loans | Under 10 loans | 66.7% |
| BETTER MORTGAGE CORPORATION | 9 | Under 10 loans | Under 10 loans | 50.0% |
| LOWER, LLC | 9 | Under 10 loans | Under 10 loans | 35.7% |
| LoanUnited.com, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 18.2% |
| JMAC LENDING, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 8 | Under 10 loans | Under 10 loans | 15.4% |
| Luminate Bank | 8 | Under 10 loans | Under 10 loans | 18.2% |
| IDAHO CENTRAL CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 16.7% |
| NEXERA HOLDING LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| LENDSURE MORTGAGE CORP. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| DIRECTORS MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 7 | Under 10 loans | Under 10 loans | 63.6% |
| Discover Bank | 7 | Under 10 loans | Under 10 loans | 76.7% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 31.3% |
| Synergy One Lending, Inc. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| WASHINGTON FEDERAL BANK | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Kiavi Funding, Inc. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| 5493004T38NMC864VL66 | 7 | Under 10 loans | Under 10 loans | 12.5% |
| NexBank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| QUALSTAR CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 40.0% |
| RED CANOE CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 6 | Under 10 loans | Under 10 loans | 0.0% |
| TAPCO Credit Union | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Sound Community Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Tomo Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Mechanics Bank | 5 | Under 10 loans | Under 10 loans | 14.3% |
| LEADERONE FINANCIAL CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Ameris Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| MERCHANTS MORTGAGE & TRUST CORPORATION, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 4 | Under 10 loans | Under 10 loans | 50.0% |
| MEMBER FIRST MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 50.0% |
| HOMEXPRESS MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 60.0% |
| 254900CTT87ZKAUTIJ37 | 4 | Under 10 loans | Under 10 loans | 50.0% |
| Heritage Bank | 4 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| RESICENTRAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| BMO Bank National Association | 4 | Under 10 loans | Under 10 loans | 20.0% |
| LONGBRIDGE FINANCIAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Washington Trust Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SmartFi Home Loans, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| WHATCOM EDUCATIONAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| RESIDENTIAL MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 3 | Under 10 loans | Under 10 loans | 57.1% |
| Bethpage Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 33.3% |
| GUARANTEED RATE AFFINITY, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 3 | Under 10 loans | Under 10 loans | 57.1% |
| QUORUM FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 42.9% |
| TOP FLITE FINANCIAL, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 3 | Under 10 loans | Under 10 loans | 0.0% |
| COLUMBIA COMMUNITY CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 40.0% |
| GEORGIA'S OWN | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Armed Forces Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NuVision Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FlexPoint, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 5493009QB0KBU5M6NP90 | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 3 | Under 10 loans | Under 10 loans | 25.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GTE Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 25.0% |
| AMERICAN HERITAGE LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| City National Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| WALKER & DUNLOP, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| KEYSTONE FUNDING, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICA'S CREDIT UNION, A | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 3 | Under 10 loans | Under 10 loans | 0.0% |
| VERITY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DAS Acquisition Company, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Strong Home Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Citibank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Sunflower Bank, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| SOUTH RIVER MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| MORTGAGEONE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| INTELLILOAN, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| UNITED MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Home Loans, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Academy Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 185 lenders each made 2 or fewer mortgages here, and are counted in the totals above.
Bank branches in Kitsap County
44 FDIC-insured branches from 13 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Heritage Bank | 9 | $837.5 million |
| JPMorgan Chase Bank, National Association | 5 | $781.5 million |
| Bank of America, National Association | 4 | $985.8 million |
| Wells Fargo Bank, National Association | 4 | $394.7 million |
| Columbia Bank | 4 | $258.4 million |
| KeyBank National Association | 4 | $161.2 million |
| U.S. Bank National Association | 3 | $191.7 million |
| WaFd Bank | 3 | $81.6 million |
| First Fed Bank | 2 | $144.0 million |
| 1st Security Bank of Washington | 2 | $95.5 million |
| Timberland Bank | 2 | $86.3 million |
| Liberty Bank | 1 | $164.5 million |
| Mechanics Bank | 1 | $37.2 million |
Closed since the 2025 survey
12 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- HomeStreet Bank, 921 Hildebrand Ln Ne, Ste 100, Bainbridge Island
- JPMorgan Chase Bank, National Association, 5050 State Highway 303 Ne, Bremerton
- Kitsap Bank, 1000 6th St Ste 300, Bremerton
- Kitsap Bank, 10140 Ne High School Rd, Bainbridge Island
- Kitsap Bank, 10488 Silverdale Way Nw, Silverdale
- Kitsap Bank, 1700 Village Ln Se, Port Orchard
- Kitsap Bank, 19725 7th Ave Ne, Poulsbo
- Kitsap Bank, 3324 Bethel Rd Se, Port Orchard
- Kitsap Bank, 3425 Wheaton Way, Bremerton
- Kitsap Bank, 619 Bay St, Port Orchard
- Kitsap Bank, 619 Bay St, Port Orchard
- Kitsap Bank, 8190 Ne State Highway 104, Kingston
Get told when this changes
When the next year’s lending figures are out for Kitsap County, or a lender arrives or leaves.
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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. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. 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.