BREMERTON - SILVERDALE - PORT ORCHARD Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Bremerton - Silverdale - Port Orchard averaged
6.49%
for the week of 2025-06-18, compared to the national average of
6.81% for the same period.
The average rate for the prior week (2025-06-12) was
6.62% and
one month ago for the week of 2025-05-15, the
average rate was 6.59%.
Bremerton - Silverdale - Port Orchard's average rate one year ago was 6.73%.
For refis of the same type during the week of 2025-06-18, the average rate
was 7.06%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-06-18 | 6.81% |
| Bremerton - Silverdale - Port Orchard 30 Year Fixed Rate | 2025-06-18 | 6.49% |
| Bremerton - Silverdale - Port Orchard 30 Year Fixed Rate Refi | 2025-06-18 | 7.06% |
| Bremerton - Silverdale - Port Orchard 15 Year Fixed Rate | 2025-06-18 | 6.06% |
| Bremerton - Silverdale - Port Orchard 15 Year Fixed Rate Refi | 2025-06-18 | 5.96% |
| Bremerton - Silverdale - Port Orchard 30 Year FHA | 2025-06-18 | -0.09% |
| Bremerton - Silverdale - Port Orchard 30 Year FHA Refi | 2025-06-18 | 0% |
| Bremerton - Silverdale - Port Orchard 30 Year USDA | 2025-06-18 | 0.1% |
| Bremerton - Silverdale - Port Orchard 30 Year USDA Refi | 2025-06-18 | 0% |
| Bremerton - Silverdale - Port Orchard 30 Year VA | 2025-06-18 | -0.16% |
| Bremerton - Silverdale - Port Orchard 30 Year VA Refi | 2025-06-18 | -0.86% |
BREMERTON - SILVERDALE - PORT ORCHARD Top Lenders by Rates & Fees
The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the BREMERTON-SILVERDALE-PORT ORCHARD, WA market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).
BREMERTON - SILVERDALE - PORT ORCHARD Average Closing Costs & Other Stats
BREMERTON-SILVERDALE-PORT ORCHARD, WA's 182 lenders originated 6,567
loans during 2024. The total origination value was $2,577,095,000, with an average loan value of
$392,431.
BREMERTON - SILVERDALE - PORT ORCHARD's average closing costs are $7,041.
The top BREMERTON - SILVERDALE - PORT ORCHARD lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with
161 loans originated. Their average total fees are
$9,707, which is $573
lower than the next largest lender,
EVERGREEN MONEYSOURCE MORTGAGE COMPANY.
The lowest fee BREMERTON - SILVERDALE - PORT ORCHARD lenders (with over 10 loans originated) are
PULTE MORTGAGE LLC ($1,628), HOMEAMERICAN MORTGAGE CORPORATION ($2,717), DHI MORTGAGE COMPANY, LTD. ($2,877), KeyBank ($4,306) and Morgan Stanley Private Bank ($4,633).
The lowest rate BREMERTON - SILVERDALE - PORT ORCHARD lenders (with over 10 loans originated) are
EAGLE HOME MORTGAGE, LLC (5.56%), DHI MORTGAGE COMPANY, LTD. (5.67%), HOMEAMERICAN MORTGAGE CORPORATION (5.74%), Morgan Stanley Private Bank (5.95%) and PULTE MORTGAGE LLC (5.95%).
BREMERTON-SILVERDALE-PORT ORCHARD, WA Mortgage Market Share & Volume
Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.
| Name | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| UNITED WHOLESALE MORTGAGE, LLC | $97,330,000 | $187,905,000 | 93.1% | 7.3% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | $91,585,000 | $125,010,000 | 36.5% | 4.9% |
| CROSSCOUNTRY MORTGAGE, LLC | $70,025,000 | $118,480,000 | 69.2% | 4.6% |
| NORTHMARQ CAPITAL FINANCE, L.L.C. | $110,490,000 | n/a | 4.3% | |
| QUICKEN LOANS, LLC | $90,415,000 | $105,405,000 | 16.6% | 4.1% |
| NAVY FEDERAL CREDIT UNION | $74,210,000 | $94,055,000 | 26.7% | 3.6% |
| DHI MORTGAGE COMPANY, LTD. | $55,705,000 | $91,005,000 | 63.4% | 3.5% |
| MOVEMENT MORTGAGE, LLC | $66,950,000 | $89,910,000 | 34.3% | 3.5% |
| NEWREZ LLC | $22,715,000 | $74,860,000 | 229.6% | 2.9% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $116,370,000 | $73,330,000 | -37.0% | 2.8% |
| HOMEAMERICAN MORTGAGE CORPORATION | $36,730,000 | $63,920,000 | 74.0% | 2.5% |
| Boeing Employees Credit Union | $95,445,000 | $59,325,000 | -37.8% | 2.3% |
| EAGLE HOME MORTGAGE, LLC | $73,470,000 | $53,050,000 | -27.8% | 2.1% |
| GUILD MORTGAGE COMPANY | $35,325,000 | $51,600,000 | 46.1% | 2.0% |
| KITSAP Credit Union | $54,440,000 | $50,840,000 | -6.6% | 2.0% |
| Mortgage Research Center, LLC | $47,845,000 | $50,080,000 | 4.7% | 1.9% |
| PENNYMAC LOAN SERVICES, LLC | $20,870,000 | $44,880,000 | 115.0% | 1.7% |
| BROKER SOLUTIONS, INC. | $26,095,000 | $41,345,000 | 58.4% | 1.6% |
| LOANDEPOT.COM, LLC | $60,185,000 | $38,755,000 | -35.6% | 1.5% |
| NBKC BANK | $34,145,000 | $36,735,000 | 7.6% | 1.4% |
| CMG MORTGAGE, INC. | $22,305,000 | $33,020,000 | 48.0% | 1.3% |
| U.S. Bank | $20,055,000 | $29,865,000 | 48.9% | 1.2% |
| 1st Security Bank of Washington | $29,825,000 | $28,945,000 | -3.0% | 1.1% |
| Wells Fargo Bank | $18,475,000 | $27,740,000 | 50.1% | 1.1% |
| JPMorgan Chase Bank | $23,565,000 | $26,695,000 | 13.3% | 1.0% |
| FREEDOM MORTGAGE CORPORATION | $12,705,000 | $26,570,000 | 109.1% | 1.0% |
| CANOPY MORTGAGE, LLC | $405,000 | $25,790,000 | 6,267.9% | 1.0% |
| Bank of America | $29,510,000 | $22,895,000 | -22.4% | 0.9% |
| Umpqua Bank | $13,380,000 | $22,435,000 | 67.7% | 0.9% |
| INSPIRE HOME LOANS INC. | $22,865,000 | $22,185,000 | -3.0% | 0.9% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $18,110,000 | $20,360,000 | 12.4% | 0.8% |
| Citibank | $5,700,000 | $20,290,000 | 256.0% | 0.8% |
| Morgan Stanley Private Bank | $9,155,000 | $20,110,000 | 119.7% | 0.8% |
| HomeStreet Bank | $21,505,000 | $19,215,000 | -10.6% | 0.7% |
| BAY EQUITY LLC | $17,565,000 | $17,365,000 | -1.1% | 0.7% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $8,650,000 | $16,480,000 | 90.5% | 0.6% |
| Cornerstone First Mortgage, Inc | $16,100,000 | n/a | 0.6% | |
| CORNERSTONE HOME LENDING, INC. | $28,510,000 | $16,035,000 | -43.8% | 0.6% |
| Washington Federal Bank | $15,630,000 | $14,450,000 | -7.5% | 0.6% |
| Mr. Cooper ( Nationstar Mortgage ) | $5,930,000 | $13,450,000 | 126.8% | 0.5% |
| SAMMAMISH MORTGAGE COMPANY | $6,135,000 | $13,110,000 | 113.7% | 0.5% |
| SCENIC OAKS FUNDING, INC. | $11,950,000 | n/a | 0.5% | |
| MASON MCDUFFIE MORTGAGE CORPORATION | $5,720,000 | $11,945,000 | 108.8% | 0.5% |
| PULTE MORTGAGE LLC | $10,960,000 | $11,785,000 | 7.5% | 0.5% |
| Alaska USA Federal Credit Union | $11,965,000 | $11,195,000 | -6.4% | 0.4% |
| PRIORITY HOME LENDING, LLC | $6,345,000 | $11,055,000 | 74.2% | 0.4% |
| TWINSTAR | $285,000 | $10,520,000 | 3,591.2% | 0.4% |
| NFM, INC. | $7,155,000 | $10,400,000 | 45.4% | 0.4% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $6,195,000 | $10,240,000 | 65.3% | 0.4% |
| GUARANTEED RATE, INC. | $7,630,000 | $10,080,000 | 32.1% | 0.4% |
| WASHINGTON STATE EMPLOYEES Credit Union | $9,320,000 | $9,200,000 | -1.3% | 0.4% |
| DIRECTORS MORTGAGE, INC. | $2,880,000 | $8,810,000 | 205.9% | 0.3% |
| Kitsap Bank | $6,770,000 | $8,725,000 | 28.9% | 0.3% |
| Timberland Bank | $15,985,000 | $8,715,000 | -45.5% | 0.3% |
| USAA Federal Savings Bank | $9,830,000 | $8,525,000 | -13.3% | 0.3% |
| Century Mortgage Company DBA Century Lending Company | $4,220,000 | $8,350,000 | 97.9% | 0.3% |
| Banner Bank | $6,365,000 | $8,030,000 | 26.2% | 0.3% |
| VILLAGE CAPITAL MORTGAGE | $1,850,000 | $8,020,000 | 333.5% | 0.3% |
| NOVA FINANCIAL & INVESTMENT CORPORATION | $9,420,000 | $7,745,000 | -17.8% | 0.3% |
| The Loan Store, Inc. | $1,590,000 | $7,550,000 | 374.8% | 0.3% |
| UBS Bank USA | $2,780,000 | $7,510,000 | 170.1% | 0.3% |
| READYCAP COMMERCIAL, LLC | $7,505,000 | n/a | 0.3% | |
| LAKEVIEW LOAN SERVICING, LLC | $1,415,000 | $6,845,000 | 383.7% | 0.3% |
| First Federal Savings and Loan Association of Port Angeles | $13,095,000 | $6,755,000 | -48.4% | 0.3% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $2,570,000 | $6,745,000 | 162.5% | 0.3% |
| NATIONS DIRECT MORTGAGE, LLC | $3,035,000 | $6,655,000 | 119.3% | 0.3% |
| The Federal Savings Bank | $9,960,000 | $6,530,000 | -34.4% | 0.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $7,540,000 | $6,505,000 | -13.7% | 0.3% |
| Charles Schwab Bank, SSB | $7,655,000 | $5,975,000 | -21.9% | 0.2% |
| FINANCE OF AMERICA REVERSE LLC | $2,515,000 | $5,540,000 | 120.3% | 0.2% |
| American Mortgage & Equity Consultants, Inc. | $1,825,000 | $5,460,000 | 199.2% | 0.2% |
| T2 FINANCIAL LLC | $4,235,000 | $5,310,000 | 25.4% | 0.2% |
| AMERICAN FINANCIAL NETWORK, INC. | $3,915,000 | $5,205,000 | 33.0% | 0.2% |
| PLANET HOME LENDING, LLC | $1,420,000 | $5,125,000 | 260.9% | 0.2% |
| Seattle Metropolitan Credit Union | $700,000 | $4,880,000 | 597.1% | 0.2% |
| FIRST TECHNOLOGY | $3,880,000 | $4,765,000 | 22.8% | 0.2% |
| KeyBank | $10,540,000 | $4,710,000 | -55.3% | 0.2% |
| BETTER MORTGAGE CORPORATION | $2,785,000 | $4,430,000 | 59.1% | 0.2% |
| MID AMERICA MORTGAGE, INC. | $2,170,000 | $4,320,000 | 99.1% | 0.2% |
| Plains Commerce Bank | $1,610,000 | $4,250,000 | 164.0% | 0.2% |
| ZILLOW HOME LOANS, LLC | $3,165,000 | $4,180,000 | 32.1% | 0.2% |
| Paramount Residential Mortgage Group, Inc. | $4,435,000 | $4,175,000 | -5.9% | 0.2% |
| ALLIANT CREDIT UNION | $2,285,000 | $4,160,000 | 82.1% | 0.2% |
| PENTAGON FEDERAL CREDIT UNION | $2,225,000 | $4,045,000 | 81.8% | 0.2% |
| RESIDENTIAL MORTGAGE, LLC | $3,845,000 | n/a | 0.1% | |
| Discover Bank | $3,225,000 | $3,625,000 | 12.4% | 0.1% |
| ARC HOME LLC | $3,510,000 | n/a | 0.1% | |
| Peoples Bank | $390,000 | $3,390,000 | 769.2% | 0.1% |
| PENRITH HOME LOANS LLC | $9,690,000 | $3,355,000 | -65.4% | 0.1% |
| GUARANTEED RATE AFFINITY, LLC | $3,150,000 | $3,350,000 | 6.3% | 0.1% |
| CALCON MUTUAL MORTGAGE LLC | $1,950,000 | $3,330,000 | 70.8% | 0.1% |
| Carrington Mortgage Services, LLC | $4,005,000 | $3,310,000 | -17.4% | 0.1% |
| Flagstar Bank, FSB | $5,630,000 | $3,300,000 | -41.4% | 0.1% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $7,590,000 | $3,250,000 | -57.2% | 0.1% |
| Sierra Pacific Mortgage Company, Inc. | $1,410,000 | $3,250,000 | 130.5% | 0.1% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $5,720,000 | $3,200,000 | -44.1% | 0.1% |
| PLAZA HOME MORTGAGE, INC. | $515,000 | $3,175,000 | 516.5% | 0.1% |
| GEORGIA'S OWN | $155,000 | $3,165,000 | 1,941.9% | 0.1% |
| MEMBER FIRST MORTGAGE, LLC | $1,385,000 | $3,080,000 | 122.4% | 0.1% |
| Figure Lending LLC | $2,460,000 | $3,005,000 | 22.2% | 0.1% |
| MLD MORTGAGE INC. | $7,005,000 | $2,965,000 | -57.7% | 0.1% |
| SOUND | $4,540,000 | $2,835,000 | -37.6% | 0.1% |
| LENDSURE MORTGAGE CORP. | $255,000 | $2,800,000 | 998.0% | 0.1% |
| Truist | $195,000 | $2,710,000 | 1,289.7% | 0.1% |
| PHH Mortgage Corporation | $3,165,000 | $2,680,000 | -15.3% | 0.1% |
| Olympia Federal Savings & Loan Association | $75,000 | $2,660,000 | 3,446.7% | 0.1% |
| LONGBRIDGE FINANCIAL, LLC | $690,000 | $2,535,000 | 267.4% | 0.1% |
| Prosperity Home Mortgage, LLC | $2,525,000 | $2,475,000 | -2.0% | 0.1% |
| Armed Forces Bank | $2,690,000 | $2,435,000 | -9.5% | 0.1% |
| GESA | $19,205,000 | $2,165,000 | -88.7% | 0.1% |
| NEW DAY FINANCIAL, LLC | $3,375,000 | $2,035,000 | -39.7% | 0.1% |
| O BEE | $1,455,000 | $1,980,000 | 36.1% | 0.1% |
| TRIAD FINANCIAL SERVICES, INC. | $3,215,000 | $1,925,000 | -40.1% | 0.1% |
| LENOX FINANCIAL MORTGAGE CORPORATION | $1,845,000 | n/a | 0.1% | |
| AMERICAN HERITAGE LENDING, INC. | $415,000 | $1,835,000 | 342.2% | 0.1% |
| AMERISAVE MORTGAGE CORPORATION | $3,040,000 | $1,830,000 | -39.8% | 0.1% |
| GREENSTATE CREDIT UNION | $1,830,000 | n/a | 0.1% | |
| Barrington Bank & Trust Company, N.A. | $740,000 | $1,825,000 | 146.6% | 0.1% |
| Sunflower Bank | $1,980,000 | $1,825,000 | -7.8% | 0.1% |
| Third Federal Savings and Loan Association of Cleveland | $2,095,000 | $1,820,000 | -13.1% | 0.1% |
| AmeriHome Mortgage Company, LLC | $565,000 | $1,810,000 | 220.4% | 0.1% |
| LEADERONE FINANCIAL CORPORATION | $1,600,000 | $1,760,000 | 10.0% | 0.1% |
| SPRING EQ, LLC | $770,000 | $1,700,000 | 120.8% | 0.1% |
| LOANPAL, LLC | $1,330,000 | $1,670,000 | 25.6% | 0.1% |
| AMWEST FUNDING CORP. | $425,000 | $1,660,000 | 290.6% | 0.1% |
| NEXERA HOLDING LLC | $1,515,000 | $1,660,000 | 9.6% | 0.1% |
| LENDINGHOME FUNDING CORPORATION | $2,865,000 | $1,515,000 | -47.1% | 0.1% |
| PENINSULA COMMUNITY | $1,300,000 | $1,510,000 | 16.2% | 0.1% |
| ROUNDPOINT MORTGAGE SERVICING CORPORATION | $1,455,000 | n/a | 0.1% | |
| HOMEXPRESS MORTGAGE CORP. | $1,740,000 | $1,450,000 | -16.7% | 0.1% |
| INTELLILOAN, INC. | $1,445,000 | n/a | 0.1% | |
| NexBank | $3,265,000 | $1,430,000 | -56.2% | 0.1% |
| CARDINAL FINANCIAL | $5,870,000 | $1,400,000 | -76.1% | 0.1% |
| OCMBC, INC. | $1,220,000 | $1,375,000 | 12.7% | 0.1% |
| FIRST COLONY MORTGAGE CORPORATION | $1,365,000 | n/a | 0.1% | |
| A&D Mortgage LLC | $1,355,000 | n/a | 0.1% | |
| General Mortgage Capital Corporation | $1,355,000 | n/a | 0.1% | |
| Paramount Bank | $1,345,000 | n/a | 0.1% | |
| SUN WEST MORTGAGE COMPANY, INC. | $2,220,000 | $1,320,000 | -40.5% | 0.1% |
| Sound Community Bank | $3,390,000 | $1,290,000 | -61.9% | 0.1% |
| LADERA LENDING, INC. | $155,000 | $1,275,000 | 722.6% | 0.0% |
| ONY GLO, INC. | $1,125,000 | $1,260,000 | 12.0% | 0.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | $1,990,000 | $1,245,000 | -37.4% | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | $1,105,000 | $1,230,000 | 11.3% | 0.0% |
| ON Q FINANCIAL, INC. | $985,000 | $1,220,000 | 23.9% | 0.0% |
| THE MORTGAGE LINK, INC. | $695,000 | $1,190,000 | 71.2% | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | $1,060,000 | $1,180,000 | 11.3% | 0.0% |
| Washington Trust Bank | $1,390,000 | $1,180,000 | -15.1% | 0.0% |
| ENVOY MORTGAGE, LTD | $1,885,000 | $1,165,000 | -38.2% | 0.0% |
| COMMUNITYAMERICA | $1,155,000 | $1,155,000 | 0.0% | 0.0% |
| JMAC LENDING, INC. | $1,850,000 | $1,155,000 | -37.6% | 0.0% |
| HARBORSTONE | $1,840,000 | $1,150,000 | -37.5% | 0.0% |
| Ally Bank | $1,500,000 | $1,140,000 | -24.0% | 0.0% |
| QUORUM FEDERAL CREDIT UNION | $260,000 | $1,110,000 | 326.9% | 0.0% |
| MOUNTAIN WEST FINANCIAL, INC. | $1,100,000 | n/a | 0.0% | |
| First Federal Bank | $1,010,000 | $1,090,000 | 7.9% | 0.0% |
| UNION HOME MORTGAGE CORP. | $1,900,000 | $1,070,000 | -43.7% | 0.0% |
| Qualstar Credit Union | $695,000 | $1,060,000 | 52.5% | 0.0% |
| BMO Harris Bank | $5,485,000 | $1,040,000 | -81.0% | 0.0% |
| Heritage Bank | $23,130,000 | $1,025,000 | -95.6% | 0.0% |
| USAlliance Federal Credit Union | $700,000 | $985,000 | 40.7% | 0.0% |
| Merchants Mortgage & Trust Corporation | $1,225,000 | $955,000 | -22.0% | 0.0% |
| BAY-VALLEY MORTGAGE GROUP | $950,000 | n/a | 0.0% | |
| Equity Prime Mortgage LLC | $930,000 | n/a | 0.0% | |
| FOUNDATION MORTGAGE CORPORATION | $920,000 | n/a | 0.0% | |
| Lakeview Community Capital, LLC | $360,000 | $920,000 | 155.6% | 0.0% |
| UNITED MORTGAGE CORP | $915,000 | n/a | 0.0% | |
| Axos Bank | $905,000 | n/a | 0.0% | |
| GTE Federal Credit Union | $55,000 | $880,000 | 1,500.0% | 0.0% |
| AMERICAN FINANCING CORPORATION | $875,000 | n/a | 0.0% | |
| SPOKANE TEACHERS | $3,300,000 | $875,000 | -73.5% | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | $865,000 | n/a | 0.0% | |
| PNC Bank | $6,730,000 | $865,000 | -87.1% | 0.0% |
| Logan Finance Corporation | $855,000 | n/a | 0.0% | |
| Credence Funding Corporation | $485,000 | $850,000 | 75.3% | 0.0% |
| Fifth Third Bank | $810,000 | n/a | 0.0% | |
| First Horizon Bank | $805,000 | n/a | 0.0% | |
| Goldman Sachs Bank USA | $1,005,000 | $805,000 | -19.9% | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | $750,000 | n/a | 0.0% | |
| Bethpage Federal Credit Union | $1,560,000 | $740,000 | -52.6% | 0.0% |
| HOMESIDE FINANCIAL, LLC | $195,000 | $735,000 | 276.9% | 0.0% |
| Hometown Equity Mortgage, LLC | $710,000 | n/a | 0.0% | |
| The Huntington National Bank | $2,045,000 | $705,000 | -65.5% | 0.0% |
| First Savings Bank | $695,000 | n/a | 0.0% | |
| Zions Bank | $4,340,000 | $690,000 | -84.1% | 0.0% |
| Aurora Financial, LLC | $685,000 | n/a | 0.0% | |
| COREVEST AMERICAN FINANCE LENDER LLC | $685,000 | n/a | 0.0% | |
| Northpointe Bank | $2,220,000 | $685,000 | -69.1% | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | $535,000 | $675,000 | 26.2% | 0.0% |
| Home Mortgage Alliance Corp | $660,000 | n/a | 0.0% | |
| SOUTHWEST FUNDING, LP | $655,000 | n/a | 0.0% | |
| IDAHO CENTRAL | $1,285,000 | $630,000 | -51.0% | 0.0% |
| Leader Bank | $625,000 | n/a | 0.0% | |
| TAPCO Credit Union | $755,000 | $625,000 | -17.2% | 0.0% |
| American Airlines Federal Credit Union | $255,000 | $605,000 | 137.3% | 0.0% |
| FIRST COMMUNITY | $605,000 | n/a | 0.0% | |
| V.I.P. MORTGAGE, INC. | $605,000 | n/a | 0.0% | |
| MORTGAGEONE, INC. | $575,000 | n/a | 0.0% | |
| First Bank | $565,000 | n/a | 0.0% | |
| iQ Credit Union | $35,000 | $550,000 | 1,471.4% | 0.0% |
| 5TH STREET CAPITAL, INC. | $545,000 | n/a | 0.0% | |
| NATIONAL COOPERATIVE BANK, N.A. | $640,000 | $540,000 | -15.6% | 0.0% |
| Stifel Bank and Trust | $355,000 | $510,000 | 43.7% | 0.0% |
| Credit Union 1 | $305,000 | $505,000 | 65.6% | 0.0% |
| Nations Lending Corporation | $500,000 | n/a | 0.0% | |
| Keystone Funding, Inc. | $750,000 | $495,000 | -34.0% | 0.0% |
| 21ST MORTGAGE CORPORATION | $1,190,000 | $485,000 | -59.2% | 0.0% |
| Ameris Bank | $485,000 | n/a | 0.0% | |
| ALLIED MORTGAGE GROUP, INC. | $475,000 | n/a | 0.0% | |
| NUMERICA CREDIT UNION | $475,000 | n/a | 0.0% | |
| The Central Trust Bank | $470,000 | n/a | 0.0% | |
| DAS Acquisition Company, LLC | $770,000 | $465,000 | -39.6% | 0.0% |
| Loan Simple, Inc. | $455,000 | n/a | 0.0% | |
| Magnolia Bank | $1,095,000 | $445,000 | -59.4% | 0.0% |
| Baxter Credit Union | $440,000 | n/a | 0.0% | |
| JMJ FINANCIAL GROUP | $565,000 | $435,000 | -23.0% | 0.0% |
| MEGASTAR FINANCIAL CORP. | $405,000 | $415,000 | 2.5% | 0.0% |
| Farmers Bank & Trust | $685,000 | $405,000 | -40.9% | 0.0% |
| SUMMIT FUNDING, INC. | $975,000 | $400,000 | -59.0% | 0.0% |
| HOMESTEAD FUNDING CORP. | $395,000 | n/a | 0.0% | |
| SeaTrust Mortgage Company | $1,365,000 | $395,000 | -71.1% | 0.0% |
| Strong Home Mortgage, LLC | $405,000 | $395,000 | -2.5% | 0.0% |
| NMSI, INC. | $1,700,000 | $385,000 | -77.4% | 0.0% |
| SALAL | $380,000 | $375,000 | -1.3% | 0.0% |
| FIBRE FEDERAL CREDIT UNION | $370,000 | n/a | 0.0% | |
| Pacific Lending LLC | $365,000 | n/a | 0.0% | |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $950,000 | $365,000 | -61.6% | 0.0% |
| Texana Bank | $365,000 | n/a | 0.0% | |
| COLUMBIA COMMUNITY CREDIT UNION | $360,000 | n/a | 0.0% | |
| First National Bank of America | $690,000 | $355,000 | -48.6% | 0.0% |
| LIBERTY HOME MORTGAGE CORPORATION | $355,000 | n/a | 0.0% | |
| MOUNTAIN AMERICA | $355,000 | n/a | 0.0% | |
| WHATCOM EDUCATIONAL CREDIT UNION | $55,000 | $355,000 | 545.5% | 0.0% |
| FARMERS INSURANCE GROUP FEDERAL CREDIT UNION | $345,000 | n/a | 0.0% | |
| Cf Bank | $325,000 | n/a | 0.0% | |
| M&T Bank | $600,000 | $325,000 | -45.8% | 0.0% |
| STARBOARD FINANCIAL MANAGEMENT, LLC | $305,000 | n/a | 0.0% | |
| Citadel Servicing Corporation | $995,000 | $275,000 | -72.4% | 0.0% |
| CHEVRON | $405,000 | $255,000 | -37.0% | 0.0% |
| Coastal Community Bank | $525,000 | $255,000 | -51.4% | 0.0% |
| NORWICH COMMERCIAL GROUP, INC. | $255,000 | n/a | 0.0% | |
| TOWER | $255,000 | n/a | 0.0% | |
| City Lending Inc. | $235,000 | n/a | 0.0% | |
| NETWORK CAPITAL FUNDING CORPORATION | $1,055,000 | $235,000 | -77.7% | 0.0% |
| RESIDENTIAL BANCORP | $235,000 | n/a | 0.0% | |
| LIMA ONE CAPITAL, LLC | $225,000 | n/a | 0.0% | |
| OnPoint Community Credit Union | $1,370,000 | $220,000 | -83.9% | 0.0% |
| First-Citizens Bank & Trust Company | $1,755,000 | $210,000 | -88.0% | 0.0% |
| Firefighters First Federal Credit Union | $65,000 | $205,000 | 215.4% | 0.0% |
| Opportunity Bank of Montana | $525,000 | $205,000 | -61.0% | 0.0% |
| Service Federal Credit Union | $65,000 | $205,000 | 215.4% | 0.0% |
| First Financial Northwest Bank | $5,875,000 | $195,000 | -96.7% | 0.0% |
| HORIZON | $85,000 | $185,000 | 117.6% | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $180,000 | n/a | 0.0% | |
| DEEPHAVEN MORTGAGE LLC | $175,000 | n/a | 0.0% | |
| ANDREWS FEDERAL CREDIT UNION | $155,000 | n/a | 0.0% | |
| EVERETT FINANCIAL, INC. | $455,000 | $155,000 | -65.9% | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | $725,000 | $155,000 | -78.6% | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | $155,000 | n/a | 0.0% | |
| VERITY | $810,000 | $145,000 | -82.1% | 0.0% |
| PREMIER AMERICA | $105,000 | n/a | 0.0% | |
| SPOKANE FIREFIGHTERS CREDIT UNION | $105,000 | n/a | 0.0% | |
| State Department Federal Credit Union | $85,000 | n/a | 0.0% | |
| America's Credit Union | $455,000 | $80,000 | -82.4% | 0.0% |
| RED CANOE CREDIT UNION | $2,115,000 | $75,000 | -96.5% | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $570,000 | $65,000 | -88.6% | 0.0% |
| Connexus Credit Union | $55,000 | n/a | 0.0% |
BREMERTON - SILVERDALE - PORT ORCHARD's top lender by overall market share is UNITED WHOLESALE MORTGAGE, LLC, with 7.3% market share. In second place, with 4.9%, is EVERGREEN MONEYSOURCE MORTGAGE COMPANY, having originated $125,010,000 in loans. In third place, with 4.6%, is CROSSCOUNTRY MORTGAGE, LLC, having originated $118,480,000 in loans. In fourth place, with 4.3%, is NORTHMARQ CAPITAL FINANCE, L.L.C., having originated $110,490,000 in loans. In fifth place, with 4.1%, is QUICKEN LOANS, LLC, having originated $105,405,000 in loans.
BREMERTON-SILVERDALE-PORT ORCHARD, WA Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 3,646 | $1,744,330,000 | $478,423 |
| Refi | 861 | $333,325,000 | $387,137 |
| Home Improvement | 727 | $97,765,000 | $134,477 |
| Cash Out Refi | 680 | $315,050,000 | $463,309 |
| Other | 652 | $85,790,000 | $131,580 |
| NA | 1 | $835,000 | $835,000 |
Bremerton - Silverdale - Port Orchard's most frequently cited loan purpose was Home Purchase, with 3,646 originations. The 2nd most popular reason was Refi, with 861 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 2,251 | $1,019,205,000 | $452,779 |
| Over 8% | 1,344 | $217,590,000 | $161,897 |
| 5-6% | 1,301 | $775,075,000 | $595,753 |
| 7-8% | 1,179 | $414,425,000 | $351,506 |
| 4-5% | 229 | $108,485,000 | $473,734 |
| <2.5% | 119 | $8,075,000 | $67,857 |
| 2.5-3% | 22 | $8,250,000 | $375,000 |
| 3-4% | 19 | $7,985,000 | $420,263 |
During 2024, Bremerton - Silverdale - Port Orchard's most frequently originated rate bucket was 6-7%, with 2,251 originations.
Loan Sizing (BREMERTON-SILVERDALE-PORT ORCHARD, WA MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $400k-600k | 2,017 | $977,575,000 | $484,668 |
| $200k-400k | 1,688 | $529,350,000 | $313,596 |
| $100,000 or less | 1,147 | $61,215,000 | $53,370 |
| $100k-200k | 807 | $111,315,000 | $137,937 |
| $600k-1000k | 756 | $539,850,000 | $714,087 |
| $Over $1MM | 152 | $357,790,000 | $2,353,882 |
BREMERTON - SILVERDALE - PORT ORCHARD's loan sizing saw the bucket of loans from $400k-600k with 2,017 originations, totaling $977,575,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 2,163 | $1,094,795,000 | $506,147 |
| Under 20% | 1,411 | $108,645,000 | $76,999 |
| 60-80% | 1,199 | $680,565,000 | $567,611 |
| 20-40% | 710 | $165,520,000 | $233,127 |
| 40-60% | 526 | $261,070,000 | $496,331 |
| Over 100% | 363 | $193,465,000 | $532,961 |
BREMERTON - SILVERDALE - PORT ORCHARD's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 2,163 originations, totaling $1,094,795,000 in origination value.