Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Kitsap County, Washington
Every institution that decided a 1–4 unit mortgage application in Kitsap County, home to Bremerton, between 2023 and 2025: 21,801 applications, 17,623 loans actually funded, across 8 kinds of borrowing.
Kitsap County at a glance
21,801Applications decided
2023–2025
17,623Loans funded
81% of decisions
59Census tracts
14 ZIP codes
276,581People
ACS 2023
What the data shows
The typical purchase mortgage here is $455K.
Investment home improvement is the hardest money to get here: lenders approved 47% of 230 applications.
Lending by loan type in Kitsap County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 93.0% | 10,871 | $455K | 97% | 324 |
| Home improvement loans | 71.7% | 3,437 | $75K | 92% | 106 |
| Cash-out refinance | 72.8% | 2,891 | $255K | 96% | 196 |
| Refinance | 85.5% | 3,067 | $425K | 92% | 202 |
| Investment property purchase | 90.9% | 889 | $355K | 96% | 149 |
| Investment cash-out refinance | 70.8% | 216 | $275K | 93% | 81 |
| Investment refinance | 67.0% | 200 | $345K | 94% | 83 |
| Investment home improvement | 47.4% | 230 | $105K | 91% | 45 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.