Applications / Mortgage Analytics / Lenders / Washington / Kitsap Credit Union
Bremerton, WA · Credit union · NCUA · $2.5 billion assets · 715 loans in 2025
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715
loans originated, 2025
1,312
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Kitsap Credit Union is a Washington credit union that lends mainly for home improvement, refinancing and other purposes, and ranked 11 of 326 lenders in Bremerton-Silverdale-Port Orchard.
Home improvement was 37.2% of its lending, refinances 30.6% and other purposes 24.8%; home purchases were only 7.4%. Its typical loan, $95,000, was smaller than at about three in four similar lenders (credit unions making between half and twice as many loans), against $105,000.
Manufactured homes were 9.5% of its loans, against 0.3% at peers, higher than at nearly all of them. Even so, 0.0% of its loans were higher-priced (a rate well above the average for similar loans), against 1.7%. Its typical rate was 7.25%, against 7.00%.
Originations rose 8% to 715, against 7% for peers and 10% for the whole market, well below the 1,424 loans of 2022. It has lent in Bremerton-Silverdale-Port Orchard since 1991, where its share held at 2.0%.
LMI (low- and moderate-income) borrowers took 31.7% of its loans, against 27.3%, higher than at more than two-thirds of peers, and LMI areas 16.8%, against 15.0%. Majority-minority areas took 3.4%, against 10.5%, lower than at three in four peers; the make-up of the Washington areas it serves is a possible reason.
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Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Kitsap Credit Union took 1,312 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 37.2% · Refinance 30.6% · Other 24.8% · Purchase 7.4%
Conventional 99.2% · VA 0.8% · of 715 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Washington | 714 | 99.9% |
| Illinois | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Bremerton-Silverdale-Port Orchard | 495 |
| Tacoma-Lakewood | 83 |
| Seattle-Bellevue-Kent | 20 |
| Olympia-Lacey-Tumwater | 7 |
| Everett | 4 |
| Spokane-Spokane Valley | 3 |
| Yakima | 2 |
| Kennewick-Richland | 1 |
| Wenatchee-East Wenatchee | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300YEI60WAHWQ3110 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 754693 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 524102 | 1991–2007 |
| Respondent ID (the HMDA filer code before 2018) | 568576 | 2008–2017 |
Established 1 January 1934. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: Kitsap Credit Union's data.
Kitsap Credit Union's data
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Kitsap Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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