Applications / Mortgage Analytics / Lenders / Washington / Kitsap Bank
Port Orchard, WA · State non-member bank · FDIC · $1.7 billion assets · 139 loans in 2025
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139
loans originated, 2025
204
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Kitsap Bank's small mortgage book, mostly home-improvement and other-purpose loans, grew 65% in 2025, and its share of its home market more than doubled.
It made 139 loans, up 65% from 84, while similar lenders (state non-member banks making between half and twice as many loans) grew 9% and the whole market 10%. That was faster than at more than nine in ten of them. It made 319 loans in 2020 and 84 in both 2023 and 2024, so the rise wins back only part of that fall.
Home improvement made up 34.5% of its lending and other purposes 31.7%. Purchases were only 10.1%. Every loan was conventional, and its typical loan, $175,000, matched similar lenders'.
In Bremerton-Silverdale-Port Orchard, a market it has served since at least 1990, its share rose to 0.7% from 0.3%. It ranks 39 of 326 lenders there; United Wholesale Mortgage leads.
Low- and moderate-income (LMI) borrowers took 21.3% of its loans, down from 34.7% and against 28.0% at similar lenders. LMI neighborhoods took 13.0%, against 17.5%. With only 139 loans these shares can swing from year to year, and its lending in just 7 counties may also shape them.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Bank took 204 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 34.5% · Other 31.7% · Refinance 23.7% · Purchase 10.1%
Conventional 100.0% · of 139 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 | 139 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Bremerton-Silverdale-Port Orchard | 89 |
| Seattle-Bellevue-Kent | 12 |
| Tacoma-Lakewood | 11 |
| Portland-Vancouver-Hillsboro | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300HGZNH5YBU04369 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 584377 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 36161 | 1990–2017 |
Established 8 August 1908. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Kitsap Bank's data.
Kitsap Bank's data
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Kitsap Bank 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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