Mortgage lending in Kitsap County
7,286 mortgages were originated in Kitsap County, Washington, in 2025.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 7,286
- Median rate
- 6.624%
- Median lender fees
- $6,486
- Median loan amount
- $375,000
- Median spread over APOR
- 0.175
- Paid discount points
- 42.6%
- Received lender credits
- 22.1%
- Purchases / refinances
- 49% / 30.7%
- Conventional / FHA / VA
- 71% / 7.9% / 21%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 74.9% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $616,400
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Who lent here
Lenders with at least 50 loans in Kitsap County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 523 | $8,592 | 6.094% |
| KITSAP Credit Union | 495 | — | 7.250% |
| Rocket Mortgage, LLC | 462 | $5,480 | 6.625% |
| Navy Federal Credit Union | 452 | $2,358 | 7.650% |
| Boeing Employees Credit Union | 297 | $3,996 | 6.490% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | 293 | $9,155 | 6.750% |
| CROSSCOUNTRY MORTGAGE, INC. | 256 | $8,361 | 6.625% |
| MOVEMENT MORTGAGE, LLC | 250 | $8,623 | 6.625% |
| NEWREZ LLC | 185 | $6,907 | 6.250% |
| Cornerstone First Mortgage, Inc | 145 | $11,860 | 6.500% |
What lenders charged here
Lender fees on a $375,000 loan, based on what was actually charged in Kitsap County — not a rule of thumb.
From 5,454 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, escrow and taxes are extra and are not in these figures. Compare two offers