Lender in Kentucky · HMDA 2025
Whitaker Bank mortgages in Kentucky
Whitaker Bank's 2025 home-purchase and refinance lending in Kentucky, compared with all lenders in the state.
Whitaker Bank originated 214 owner-occupied single-family loans in Kentucky from 246 completed applications.
Its median conventional purchase loan costs were $2,860 versus $4,000 for all Kentucky lenders.
Loans in KY
214
of 246 applications
Denial rate
10.0%
Purchase · KY 8.2%
Rate spread
−0.16 pts
Conv. · KY +0.21 pts
Loan amount
$215,000
Purchase · KY $245,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 130 | 115 | 10.0% | — | −0.16 pts | $2,860 | $215,000 |
| Refinance | 116 | 99 | 12.9% | — | −0.14 pts | $2,350 | $125,000 |
| Cash-out refinance | 0 | 0 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Kentucky counties where Whitaker Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Garrard County | 1 | 27 | 9.8% |
| Powell County | 1 | 12 | 9.0% |
| Wolfe County | 1 | 8 | 34.8% |
| Mercer County | 2 | 19 | 5.7% |
| Letcher County | 3 | 4 | 6.5% |
| Nicholas County | 4 | 3 | 5.1% |
| Lincoln County | 5 | 9 | 3.6% |
| Rowan County | 5 | 8 | 5.2% |
| Estill County | 5 | 7 | 5.8% |
| Breathitt County | 8 | 1 | 4.8% |
| Knott County | 8 | 1 | 3.5% |
| Montgomery County | 9 | 8 | 2.3% |
| Casey County | 9 | 2 | 2.7% |
| Madison County | 10 | 38 | 2.6% |
| Perry County | 11 | 2 | 2.0% |
| Morgan County | 13 | 1 | 2.4% |
| Boyle County | 14 | 7 | 1.8% |
| Rockcastle County | 15 | 2 | 2.0% |
| Menifee County | 15 | 1 | 1.7% |
| Knox County | 17 | 2 | 1.3% |
| Bath County | 18 | 1 | 1.1% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology