Applications / Mortgage Analytics / Lenders / Kentucky / Whitaker Bank
Lexington, KY · State member bank · FRS · $1.9 billion assets · 635 loans in 2025
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635
loans originated, 2025
809
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Whitaker Bank is a mostly rural Kentucky bank, ranked 16 of 537 lenders in non-metro Kentucky, whose small loans include far more manufactured homes than similar banks make.
10.1% of its loans were for manufactured homes, against 1.5% for similar lenders (state member banks making between half and twice as many loans), higher than more than nine in ten. Its typical loan was $105,000, against $195,000, among the lowest of them. Manufactured homes and its other-purpose and home-improvement lending, together more than a third of loans, may account for much of that.
Its typical rate was 6.25%, against 6.75% for peers, lower than more than nine in ten of them, and 1.0% of its loans were higher-priced (a rate well above the average for similar loans), against 2.3%.
It made 635 loans, against 332 in 2020; volume jumped to 808 in 2022 and has eased each year since. In 2025 originations fell 3%, while the typical peer grew 7% and the whole market 10%, lower than about four in five peers.
Its largest market is non-metro Kentucky, where it has lent since 1994. In Lexington-Fayette it ranks 47 of 389 lenders with 0.5% of the dollars, against 0.6% a year earlier, in a market led by Guardian Savings Bank and Rocket Mortgage. One possibility is that more of its lending went to rural counties. Its shares in Florida and other metros are near zero.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Whitaker Bank took 809 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 32.4% · Purchase 31.0% · Other 21.3% · Home improvement 15.3%
Conventional 99.8% · USDA (RHS or FSA) 0.2% · of 635 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Kentucky | 629 | 99.1% |
| Florida | 3 | 0.5% |
| Tennessee | 2 | 0.3% |
| Ohio | 1 | 0.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Lexington-Fayette | 91 |
| Cincinnati | 4 |
| Louisville/Jefferson County | 4 |
| Huntington-Ashland | 3 |
| Cape Coral-Fort Myers | 1 |
| Crestview-Fort Walton Beach-Destin | 1 |
| Deltona-Daytona Beach-Ormond Beach | 1 |
| Knoxville | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300C3C8C6TSYT1R20 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 1445943 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 21445943 | 2004–2017 |
Established 19 April 1990. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Whitaker Bank's data.
Whitaker Bank's data
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Whitaker Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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