# Whitaker Bank

> **Canonical URL:** https://saferate.com/lenders/whitaker-bank


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Whitaker Bank is a bank, headquartered in Lexington, KY, serving borrowers across 2 states, with 206 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 69% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 34% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300C3C8C6TSYT1R20
- **Headquarters:** Lexington, KY
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** FL, KY
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 31/100
- Rating: ●●○○○ (2/5)

### Pull Through: Strong 😀
- Score: 66/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** -0.230%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $957
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 206
- **Dollar Volume:** $41 million
- **Applications Received:** 256
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $198,058
- **Average Borrower Income:** $114,568
- **Average Property Value:** $327,864

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 46/100 | 204 | -0.228% | $913 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 104 loans, Score: 40/100 (Acceptable)
- Refinance: 100 loans, Score: 61/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 39/100 | 105 | $24M | -0.207% | Acceptable 🙂 |
| Refinance | 58/100 | 101 | $17M | -0.254% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| KY | 205 | 0.44% | 80/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 172 | 67/100 |
| Lexington | KY | 28 | 62/100 |

## Frequently Asked Questions

### What loan types does Whitaker Bank offer?

Whitaker Bank offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Whitaker Bank offer mortgages?

Whitaker Bank offers mortgages in 2 states: FL, KY.

### How competitive are Whitaker Bank's mortgage rates?

Whitaker Bank has a pricing score of 31/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.230% below market average.

### What type of lender is Whitaker Bank?

Whitaker Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Lexington, KY.

### What is Whitaker Bank's loan approval success rate?

Whitaker Bank has a pull-through score of 66/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/whitaker-bank

### How to Cite

> "Whitaker Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/whitaker-bank

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