Kitsap Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the D grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
14th23.5% deniedProcesswithdrawn + incomplete share, weight 15%
56th10.3%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 152 | 84 | 31.6% | 35.8% | — | $17M |
| 2024 | 126 | 84 | 26.2% | 28.2% | — | $20M |
| 2025 | 204 | 139 | 21.1% | 23.5% | — | $43M |
What Kitsap Bank lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 4 manufactured homes, 10 investment properties.
Who gets approved at Kitsap Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 23 | 8 | 60.0% |
| $50k – $100k | 36 | 21 | 36.4% |
| $100k – $150k | 52 | 40 | 16.7% |
| $150k – $250k | 39 | 26 | 20.6% |
| Over $250k | 34 | 27 | 10.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 35–44 | 22 | 11 | 47.6% |
| 45–54 | 37 | 25 | 26.5% |
| 55–64 | 49 | 32 | 21.4% |
| 65–74 | 50 | 34 | 26.1% |
| Over 74 | 32 | 27 | 6.9% |
Where Kitsap Bank lends
1 states and 7 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Washington | 204 | 139 | 21.1% | — | #188 |
Frequently asked questions
Kitsap Bank denied 23.5% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 14th percentile of small mortgage lenders.
In 2025, 9% of its applications were for home purchases, 19% for refinancing (including cash-out), and 72% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.