# KITSAP Credit Union

> **Canonical URL:** https://saferate.com/lenders/kitsap-credit-union

> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible

KITSAP Credit Union is a credit union, headquartered in Bremerton, WA, serving borrowers across 3 states, with 63 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 45% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 75% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300YEI60WAHWQ3110
- **Headquarters:** Bremerton, WA
- **Geographic Reach:** Regional
- **States Served:** 3
- **State List:** AZ, MT, WA
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 55/100
- Rating: ●●●○○ (3/5)

### Pull Through: Acceptable 🙂
- Score: 25/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** -0.125%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,692
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 63
- **Dollar Volume:** $19 million
- **Applications Received:** 136
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $295,794
- **Average Borrower Income:** $114,730

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 39/100 | 59 | -0.099% | $1,710 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 32 loans, Score: 32/100 (Acceptable)
- Refinance: 27 loans, Score: 51/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 32/100 | 35 | $15M | -0.255% | Acceptable 🙂 |
| Refinance | 51/100 | 28 | $4M | +0.161% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| WA | 61 | 0.07% | 67/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Bremerton | WA | 40 | 78/100 |
| Non |  | 13 | 32/100 |

## Frequently Asked Questions

### What loan types does KITSAP Credit Union offer?

KITSAP Credit Union offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does KITSAP Credit Union offer mortgages?

KITSAP Credit Union offers mortgages in 3 states: AZ, MT, WA.

### How competitive are KITSAP Credit Union's mortgage rates?

KITSAP Credit Union has a pricing score of 55/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.125% below market average.

### What type of lender is KITSAP Credit Union?

KITSAP Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Bremerton, WA.

### What is KITSAP Credit Union's loan approval success rate?

KITSAP Credit Union has a pull-through score of 25/100 (Acceptable). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-05-29
**Canonical URL:** https://saferate.com/lenders/kitsap-credit-union

### How to Cite

> "KITSAP Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/kitsap-credit-union

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