Home purchase lenders in Kitsap County
3,569 home purchase mortgages were made in Kitsap County, Washington, in 2025, by 277 lenders. The median rate their borrowers got was 6.375% on a median loan of $465,000. Of 3,980 decisions, 281 were denials — 7.1%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 228 | 6.375% | $455,000 | 3.0% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | 222 | 6.625% | $425,000 | 0.0% |
| MOVEMENT MORTGAGE, LLC | 184 | 6.625% | $430,000 | 4.9% |
| CROSSCOUNTRY MORTGAGE, INC. | 177 | 6.688% | $465,000 | 1.7% |
| Navy Federal Credit Union | 153 | 6.125% | $445,000 | 8.3% |
| Rocket Mortgage, LLC | 147 | 6.375% | $465,000 | 9.2% |
| Cornerstone First Mortgage, Inc | 133 | 6.375% | $415,000 | 0.7% |
| Mortgage Research Center, LLC | 111 | 6.250% | $465,000 | 8.3% |
| NEWREZ LLC | 106 | 6.375% | $465,000 | 2.7% |
| Broker Solutions, Inc. | 101 | 6.625% | $425,000 | 4.7% |
| GUILD MORTGAGE COMPANY | 91 | 6.375% | $505,000 | 2.0% |
| CMG MORTGAGE, INC. | 86 | 6.125% | $530,000 | 6.1% |
| Fairway Independent Mortgage Corporation | 81 | 6.625% | $465,000 | 1.2% |
| 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. | 65 | 6.500% | $475,000 | 0.0% |
| Boeing Employees Credit Union | 62 | 6.375% | $420,000 | 17.1% |
| HOMEAMERICAN MORTGAGE CORPORATION | 51 | 4.875% | $595,000 | 5.4% |
| 1st Security Bank of Washington | 49 | 6.375% | $435,000 | 5.8% |
| U.S. Bank National Association | 48 | 6.313% | $690,000 | 10.3% |
| NBKC BANK | 48 | 5.875% | $535,000 | 4.0% |
| CANOPY MORTGAGE, LLC | 46 | 6.500% | $395,000 | 0.0% |
| CORNERSTONE CAPITAL BANK, SSB | 46 | 6.625% | $435,000 | 0.0% |
| SAMMAMISH MORTGAGE COMPANY | 45 | 6.375% | $455,000 | 0.0% |
| Eastside Funding LLC | 43 | 12.000% | $255,000 | 0.0% |
| MASON MCDUFFIE MORTGAGE CORPORATION | 43 | 6.624% | $435,000 | 0.0% |
| PENNYMAC LOAN SERVICES, LLC | 38 | 6.250% | $525,000 | 13.6% |
| KITSAP Credit Union | 32 | 7.250% | $285,000 | 24.1% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 31 | 6.875% | $445,000 | 3.1% |
| Umpqua Bank | 30 | 6.875% | $475,000 | 16.7% |
| OriginPoint, LLC | 26 | 6.600% | $540,000 | 0.0% |
| KIND LENDING, LLC | 25 | 6.500% | $415,000 | 21.9% |
| JPMorgan Chase Bank, National Association | 24 | 6.313% | $595,000 | 10.7% |
| KBHS HOME LOANS, LLC | 22 | 5.950% | $515,000 | 0.0% |
| PULTE MORTGAGE LLC | 22 | 5.563% | $490,000 | 4.4% |
| SCENIC OAKS FUNDING, LLC | 20 | 6.625% | $400,000 | 4.8% |
| TRIAD FINANCIAL SERVICES, INC. | 19 | 8.780% | $115,000 | 28.9% |
| Plains Commerce Bank | 19 | 6.500% | $365,000 | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 19 | 6.250% | $475,000 | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 19 | 6.625% | $475,000 | 0.0% |
| NOVA FINANCIAL & INVESTMENT CORPORATION | 19 | 6.250% | $505,000 | 0.0% |
| T2 FINANCIAL LLC | 18 | 6.500% | $505,000 | 0.0% |
| Wells Fargo Bank, National Association | 17 | 6.375% | $475,000 | 5.6% |
| PRIORITY HOME LENDING, LLC | 16 | 6.250% | $345,000 | 20.0% |
| THE LOAN STORE, INC. | 16 | 6.250% | $530,000 | 5.6% |
| USAA Federal Savings Bank | 15 | 6.125% | $475,000 | 37.5% |
| Timberland Bank | 15 | 8.000% | $505,000 | 16.7% |
| Loandepot.Com, LLC | 15 | 6.625% | $405,000 | 11.8% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 14 | 6.625% | $505,000 | 0.0% |
| BAY EQUITY LLC | 13 | 6.625% | $445,000 | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 13 | 6.250% | $395,000 | 11.8% |
| FREEDOM MORTGAGE CORPORATION | 13 | 6.250% | $425,000 | 7.1% |
| Bank of America, National Association | 12 | 6.000% | $455,000 | 42.9% |
| ZILLOW HOME LOANS, LLC | 11 | 6.250% | $455,000 | 15.4% |
| Olympia Federal Savings & Loan Association | 10 | 6.625% | $445,000 | 0.0% |
| Banner Bank | 9 | Under 10 loans | Under 10 loans | 41.2% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 9 | Under 10 loans | Under 10 loans | 9.1% |
| HomeStreet Bank | 9 | Under 10 loans | Under 10 loans | 18.2% |
| 21st Mortgage Corporation | 8 | Under 10 loans | Under 10 loans | 68.0% |
| Click n' Close, Inc. | 8 | Under 10 loans | Under 10 loans | 18.2% |
| NATIONS DIRECT MORTGAGE, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| DIRECTORS MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Global Federal Credit Union | 7 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONSTAR MORTGAGE LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 33.3% |
| Kiavi Funding, Inc. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 6 | Under 10 loans | Under 10 loans | 12.5% |
| LENDSURE MORTGAGE CORP. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Tomo Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Kitsap Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| OCMBC, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Sound Credit Union | 5 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 5 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST FED BANK | 4 | Under 10 loans | Under 10 loans | 20.0% |
| BMO Bank National Association | 4 | Under 10 loans | Under 10 loans | 20.0% |
| MEMBER FIRST MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| 254900CTT87ZKAUTIJ37 | 4 | Under 10 loans | Under 10 loans | 20.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| RED CANOE CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| LoanUnited.com, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MERCHANTS MORTGAGE & TRUST CORPORATION, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Sierra Pacific Mortgage Company, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LEADERONE FINANCIAL CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| RESIDENTIAL MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Mechanics Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Sound Community Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 50.0% |
| KeyBank National Association | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Morgan Stanley Private Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Synergy One Lending, Inc. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| RESICENTRAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 5493009QB0KBU5M6NP90 | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Ameris Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DAS Acquisition Company, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| WASHINGTON FEDERAL BANK | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| LOWER, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Citibank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Armed Forces Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MLD MORTGAGE INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CHAMPIONS FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Sunflower Bank, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| GENEVA FINANCIAL, LLC | 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% |
| Bell Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| City National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| American Mortgage Bank, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| WASHINGTON STATE EMPLOYEES CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| KEYSTONE FUNDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GoPrime Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TAPCO Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GTE Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PENINSULA COMMUNITY | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Strong Home Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Loan Funder LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Summit Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FlexPoint, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| GEORGIA'S OWN | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Wallick & Volk, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AgWest Farm Credit, FLCA | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Hometown Equity Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| DEEPHAVEN MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Fifth Third Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Quontic Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Watermark Capital, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| POINT MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ENCOMPASS LENDING GROUP, LP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NETWORK FUNDING, L.P. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BNY Mellon, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BAY-VALLEY MORTGAGE GROUP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COLUMBIA COMMUNITY CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| INFINITY EQUITY GROUP, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GESA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONAL COOPERATIVE BANK, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| IDAHO CENTRAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Simple, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Presidential Bank, FSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICA'S CREDIT UNION, A | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Carrollton Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First United Bank and Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Glacier Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Waterstone Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Willamette Valley Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| United Nations Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DIRECT MORTGAGE LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CBRE MULTIFAMILY CAPITAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FARMERS INSURANCE GROUP FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SIRVA MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONTOUR MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FLAT BRANCH MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mid-Continent Funding, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Brighton Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Genisys Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 77 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
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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.