KITSAP Credit Union in Washington vs the state
27.8%Denial rate+12.16 pts vs state
29.9%Decision denial rate+10.39 pts vs state
54.6%Origination rate-6.51 pts vs state
7.25%Median rate+0.63 pts vs state
0.72Rate spread (pts)+0.53 pts vs state
$111kMedian applicant income
714Loans originated
364Denied
Trend in Washington
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,314 | 781 | 26.5% | 7.25% | #48 |
| 2024 | 1,208 | 658 | 28.6% | 7.25% | #51 |
| 2025 | 1,309 | 714 | 27.8% | 7.25% | #50 |
What KITSAP Credit Union lends in Washington
By loan purpose
By loan type
Why it denied Washington applicants
Where in Washington
Counties with the most KITSAP Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Kitsap County | 840 | 495 | 192 | 22.9% |
| Pierce County | 172 | 83 | 66 | 38.4% |
| Mason County | 87 | 45 | 33 | 37.9% |
| Jefferson County | 85 | 36 | 28 | 32.9% |
| King County | 44 | 20 | 15 | 34.1% |
| Clallam County | 22 | 12 | 9 | 40.9% |
| Snohomish County | 12 | 4 | 7 | 58.3% |
| Thurston County | 12 | 7 | 4 | 33.3% |
| Grays Harbor County | 7 | 2 | 1 | 14.3% |
| Island County | 6 | 2 | 2 | 33.3% |
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: 1,309 applications in 2025, of which 714 were originated and 364 denied.
27.8% of all applications, or 29.9% of the applications it actually decided on. The Washington statewide average across all lenders was 15.7%.
The median rate on loans KITSAP Credit Union originated in Washington in 2025 was 7.25%, against a statewide median of 6.63%.
About this data. Figures are KITSAP Credit Union'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