Whitaker Bank
Whitaker Bank received 809 applications in 2025 and made 635 mortgages, in 54 counties across 4 states. The median rate its borrowers got was 6.250% on a median loan of $105,000. Of 725 decisions, 82 were denials — 11.3%, most often for credit history.
| Legal Entity Identifier | 549300C3C8C6TSYT1R20 |
|---|---|
| Applications received | 809 |
| Mortgages made | 635 |
| Denied | 82 |
| Approved, not taken up | 8 |
| Withdrawn or incomplete | 84 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.157 points |
| FDIC-insured bank | Yes: Whitaker Bank, 46 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 197 | 6.250% | $175,000 | 6.5% |
| Refinancing | 206 | 6.250% | $115,000 | 9.9% |
| Other purposes | 232 | 6.250% | $55,000 | 16.1% |
Where Whitaker Bank lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Madison County, KY | 135 | 6.500% | 6.3% |
| Garrard County, KY | 58 | 6.250% | 12.1% |
| Mercer County, KY | 57 | 6.375% | 10.8% |
| Scott County, KY | 41 | 6.250% | 18.9% |
| Fayette County, KY | 32 | 6.500% | 2.9% |
| Powell County, KY | 31 | 6.250% | 11.4% |
| Boyle County, KY | 29 | 6.250% | 6.5% |
| Rowan County, KY | 25 | 6.563% | 13.8% |
| Lincoln County, KY | 23 | 6.250% | 8.0% |
| Wolfe County, KY | 23 | 6.313% | 25.0% |
| Montgomery County, KY | 20 | 6.125% | 23.1% |
| Rockcastle County, KY | 20 | 7.000% | 4.8% |
| Franklin County, KY | 17 | 6.750% | 5.3% |
| Estill County, KY | 12 | 6.250% | 13.3% |
| Letcher County, KY | 11 | 6.125% | 15.4% |
| Menifee County, KY | 6 | Under 10 loans | 25.0% |
| Woodford County, KY | 6 | Under 10 loans | 0.0% |
| Anderson County, KY | 5 | Under 10 loans | 0.0% |
| Casey County, KY | 5 | Under 10 loans | 16.7% |
| Clark County, KY | 5 | Under 10 loans | 16.7% |
| Jessamine County, KY | 5 | Under 10 loans | 16.7% |
| Knox County, KY | 5 | Under 10 loans | 28.6% |
| Laurel County, KY | 5 | Under 10 loans | 0.0% |
| Nicholas County, KY | 5 | Under 10 loans | 0.0% |
| Perry County, KY | 5 | Under 10 loans | 16.7% |
| Whitley County, KY | 5 | Under 10 loans | 16.7% |
| Bath County, KY | 4 | Under 10 loans | 33.3% |
| Carter County, KY | 3 | Under 10 loans | 0.0% |
| Fleming County, KY | 3 | Under 10 loans | 25.0% |
| Jackson County, KY | 3 | Under 10 loans | 25.0% |
| Jefferson County, KY | 3 | Under 10 loans | 0.0% |
| Pulaski County, KY | 3 | Under 10 loans | 0.0% |
| Bourbon County, KY | 2 | Under 10 loans | 0.0% |
| Breathitt County, KY | 2 | Under 10 loans | 0.0% |
| Floyd County, KY | 2 | Under 10 loans | 0.0% |
| Grant County, KY | 2 | Under 10 loans | 0.0% |
| Harrison County, KY | 2 | Under 10 loans | 0.0% |
| Russell County, KY | 2 | Under 10 loans | 0.0% |
| Lee County, FL | 1 | Under 10 loans | 0.0% |
| Volusia County, FL | 1 | Under 10 loans | 0.0% |
| Walton County, FL | 1 | Under 10 loans | 0.0% |
| Campbell County, KY | 1 | Under 10 loans | 0.0% |
| Elliott County, KY | 1 | Under 10 loans | 0.0% |
| Harlan County, KY | 1 | Under 10 loans | 0.0% |
| Knott County, KY | 1 | Under 10 loans | 0.0% |
| Lee County, KY | 1 | Under 10 loans | 0.0% |
| Morgan County, KY | 1 | Under 10 loans | 0.0% |
| Shelby County, KY | 1 | Under 10 loans | 0.0% |
| Warren County, OH | 1 | Under 10 loans | 0.0% |
| Sevier County, TN | 1 | Under 10 loans | 0.0% |
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When Whitaker Bank’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.