KITSAP Credit Union mortgage approval rate & lending review
KITSAP Credit Union decided 1,974 mortgage applications and funded 1,337 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions KITSAP Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
KITSAP Credit Union at a glance
Approval is 9.8 points above the 68.8% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 78% | 161 / 206 | 84% | $275K | 135 |
| Home improvement loans | 76% | 905 / 1,189 | 83% | $65K | 755 |
| Refinance | 92% | 446 / 483 | 92% | $105K | 412 |
| Investment home improvement | 43% | 20 / 47 | 90% | $75K | 18 |
KITSAP Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Washington | 79% | $65K | 1,971 | 1,336 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where KITSAP Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Kitsap County, WA | Home improvement loans | 78% | 972 | 633 |
| Kitsap County, WA | Refinance | 93% | 387 | 332 |
| Kitsap County, WA | Mortgage lenders | 79% | 161 | 104 |
| Pierce County, WA | Home improvement loans | 67% | 160 | 91 |
| Pierce County, WA | Refinance | 94% | 66 | 58 |
| King County, WA | Home improvement loans | 65% | 26 | 15 |
| Kitsap County, WA | Investment home improvement | 46% | 37 | 15 |
The county markets where KITSAP Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about KITSAP Credit Union
What is KITSAP Credit Union's mortgage approval rate?
KITSAP Credit Union approved 78.6% of the 1,974 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 9.8 points above the 68.8% national rate for the same mix of loan types.
How often do borrowers take the loan KITSAP Credit Union offers?
Borrowers accepted 86% of the loans KITSAP Credit Union approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does KITSAP Credit Union make?
The typical home improvement loan loan KITSAP Credit Union made was $65K; across all loan types its typical loan ran from $65K to $275K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does KITSAP Credit Union lend?
KITSAP Credit Union decided applications in 4 of the states Fat Boy Data covers, most of them in Washington, Arizona and Oregon.
Can I apply to KITSAP Credit Union directly?
Yes. KITSAP Credit Union is a bank or credit union with 15 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show KITSAP Credit Union's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how KITSAP Credit Union treats applications, then get a rate quote from the lender.