Whitaker Bank in Kentucky vs the state
10.2%Denial rate-8.60 pts vs state
11.4%Decision denial rate-12.09 pts vs state
78.3%Origination rate+20.29 pts vs state
6.25%Median rate-0.50 pts vs state
-0.16Rate spread (pts)-0.47 pts vs state
$81kMedian applicant income
629Loans originated
82Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 912 | 769 | 6.0% | 5.88% | #42 |
| 2024 | 819 | 652 | 8.2% | 6.63% | #51 |
| 2025 | 803 | 629 | 10.2% | 6.25% | #55 |
What Whitaker Bank lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Whitaker Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Madison County | 153 | 135 | 9 | 5.9% |
| Garrard County | 71 | 58 | 8 | 11.3% |
| Mercer County | 69 | 57 | 7 | 10.1% |
| Scott County | 62 | 41 | 10 | 16.1% |
| Powell County | 41 | 31 | 4 | 9.8% |
| Fayette County | 39 | 32 | 1 | 2.6% |
| Rowan County | 34 | 25 | 4 | 11.8% |
| Boyle County | 33 | 29 | 2 | 6.1% |
| Lincoln County | 32 | 23 | 2 | 6.3% |
| Wolfe County | 32 | 23 | 8 | 25.0% |
Other large lenders in Kentucky
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 8,420 | 18.1% | 6.75% |
| Vanderbilt Mortgage and Finance | F | 8,220 | 44.8% | 9.50% |
| United Shore Financial Services | B | 6,871 | 9.8% | 6.50% |
| Fifth Third Bank | D | 5,663 | 25.5% | 7.75% |
| U.S. Bank | D | 4,887 | 29.5% | 7.00% |
| Mortgage Research Center | C | 3,617 | 18.0% | 6.25% |
| PNC Bank | D | 3,585 | 23.7% | 7.40% |
| 21st Mortgage | F | 3,478 | 48.0% | 9.95% |
| Commonwealth | C | 3,270 | 24.9% | 7.25% |
| Stockton Mortgage | D | 3,255 | 6.1% | 6.63% |
Frequently asked questions
Kentucky: 803 applications in 2025, of which 629 were originated and 82 denied.
10.2% of all applications, or 11.4% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Whitaker Bank originated in Kentucky in 2025 was 6.25%, against a statewide median of 6.75%.
About this data. Figures are Whitaker Bank's own HMDA filing for properties located in Kentucky, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology