Kitsap Bank in Washington vs the state
21.1%Denial rate+5.43 pts vs state
23.5%Decision denial rate+3.96 pts vs state
68.1%Origination rate+7.08 pts vs state
—Median rate
—Rate spread (pts)
$129kMedian applicant income
139Loans originated
43Denied
Trend in Washington
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 152 | 84 | 31.6% | — | #179 |
| 2024 | 126 | 84 | 26.2% | — | #205 |
| 2025 | 204 | 139 | 21.1% | — | #188 |
What Kitsap Bank lends in Washington
By loan purpose
By loan type
Where in Washington
Counties with the most Kitsap Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Kitsap County | 127 | 89 | 26 | 20.5% |
| Pierce County | 19 | 11 | 7 | 36.8% |
| King County | 19 | 12 | 4 | 21.1% |
| Jefferson County | 19 | 14 | 2 | 10.5% |
| Clallam County | 17 | 11 | 3 | 17.6% |
| Mason County | 2 | 1 | 1 | 50.0% |
| Clark County | 1 | 1 | 0 | 0.0% |
Other large lenders in Washington
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Boeing Employees Credit Union | B | 21,599 | 23.8% | 6.13% |
| Rocket Mortgage | C | 14,301 | 15.9% | 6.63% |
| United Shore Financial Services | B | 13,770 | 10.0% | 6.13% |
| Guild Mortgage | A | 8,056 | 3.4% | 6.63% |
| CMG Mortgage | A | 7,817 | 3.1% | 6.63% |
| Movement Mortgage | A | 7,472 | 3.6% | 6.63% |
| Bank of America | F | 6,986 | 27.0% | 5.99% |
| Crosscountry Mortgage | B | 6,903 | 3.1% | 6.63% |
| U.S. Bank | D | 6,568 | 27.6% | 6.63% |
| Newrez | D | 5,849 | 12.9% | 6.63% |
Frequently asked questions
Washington: 204 applications in 2025, of which 139 were originated and 43 denied.
21.1% of all applications, or 23.5% of the applications it actually decided on. The Washington statewide average across all lenders was 15.7%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Kitsap Bank's own HMDA filing for properties located in Washington, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology