Whitaker Bank Mortgage Rates, Fees & Info

Lexington, KY

LEI: 549300C3C8C6TSYT1R20

Tax ID: 61-1179902

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    Whitaker Bank is a smaller bank specializing in Home Purchase and Refi loans. Whitaker Bank has a high proportion of conventional loans. Their top markets by origination volume include: Richmond, Mount Sterling, Lexington, Danville, and Frankfort among others. We have data for 15 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Whitaker Bank has an above average approval rate when compared to the average across all lenders. They have an above average pick rate when compared to similar lenders.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

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    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    30 Year Conventional Purchase 6.40% 4/28/24
    30 Year Conventional Refi 6.45% 4/28/24
    30 Year FHA Refi 6.27% 4/28/24
    15 Year Conventional Purchase 5.68% 4/28/24
    15 Year Conventional Refi 5.79% 4/28/24
    15 Year Cash-out Refi 5.79% 4/28/24
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    Whitaker Bank Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Whitaker Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    422

    Origination Dollar Volume (All Markets)

    $69,070,000

    Employee count

    313

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    Richmond-Berea, KY (FHA|USDA|VA) 98 $31,000,000 $316,327 $1,579 3.97%
    Outside of Metro Areas 196 $18,020,000 $91,939 $1,559 3.82%
    Mount Sterling, KY (FHA|USDA|VA) 47 $5,405,000 $115,000 $1,766 3.82%
    LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 31 $5,285,000 $170,484 $2,005 3.80%
    Danville, KY (FHA|USDA|VA) 18 $3,240,000 $180,000 $1,845 3.74%
    Frankfort, KY (FHA|USDA|VA) 10 $3,030,000 $303,000 $1,354 3.85%
    London, KY (FHA|USDA|VA) 12 $1,060,000 $88,333 $1,557 3.85%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 2 $620,000 $310,000 $0 3.94%
    KNOXVILLE, TN (FHA|USDA|VA) 1 $445,000 $445,000 $0 3.95%
    LOUISVILLE, KY (FHA|USDA|VA) 2 $370,000 $185,000 $2,218 3.63%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 1 $275,000 $275,000 $0 3.75%
    HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 1 $95,000 $95,000 $1,985 4.00%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 1 $85,000 $85,000 $1,958 3.50%
    Somerset, KY (FHA|USDA|VA) 1 $75,000 $75,000 $1,766 3.70%
    Sevierville, TN (FHA|USDA|VA) 1 $65,000 $65,000 $0 3.83%
    Whitaker Bank's top markets include Richmond, Mount Sterling, Lexington, Danville, and Frankfort among others.

    Their top states include:
  • Kentucky (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Tennessee (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against Whitaker Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    Abound Federal Credit Union
    Similarity Rank: 112
    Peoples Exchange Bank
    Similarity Rank: 432
    COMMONWEALTH
    Similarity Rank: 475
    MORTGAGE SUPPLIERS, INC.
    Similarity Rank: 528
    The Monticello Banking Company
    Similarity Rank: 817
    Independence Bank of Kentucky
    Similarity Rank: 1120
    Traditional Bank, Inc.
    Similarity Rank: 1128
    The Citizens National Bank of Somerset
    Similarity Rank: 1274
    Western Ohio Mortgage Corporation
    Similarity Rank: 1400
    Kentucky Bank
    Similarity Rank: 1408

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 421 $68,975,000 $163,836 $1,634 3.85%
    HELOC 1 $95,000 $95,000 n/a 4.00%

    For 2021, Whitaker Bank's most frequently originated type of loan was Conventional, with 421 originations. Their 2nd most popular type was HELOC, with 1 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 227 $44,945,000 $197,996 $1,816 3.89%
    Refi 163 $22,135,000 $135,798 $1,479 3.77%
    Other 18 $1,200,000 $66,667 $1,492 4.09%
    Home Improvement 14 $790,000 $56,429 $1,376 3.82%

    For 2021, Whitaker Bank's most frequently cited loan purpose was Home Purchase, with 227 originations. The 2nd most popular reason was Refi, with 163 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    10 Year 347 $60,875,000 $175,432 $1,639 3.81%
    Other 32 $4,610,000 $144,063 $2,017 3.86%
    5 Year 23 $1,075,000 $46,739 $1,382 4.20%
    1 Year 15 $2,035,000 $135,667 $1,409 4.00%
    15 Year 2 $170,000 $85,000 $975 4.71%
    3 Year 2 $110,000 $55,000 $0 4.86%
    20 Year 1 $195,000 $195,000 $0 3.95%

    For 2021, Whitaker Bank's most frequently cited loan duration was 10 Year, with 347 originations. The 2nd most popular length was Other, with 32 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 246 $22,970,000 $93,374
    $1k-2k 23 $5,425,000 $235,870
    $4k-5k 1 $885,000 $885,000

    Whitaker Bank's average total fees were $0, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 246 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 369 $63,005,000 $170,745
    4-5% 41 $5,625,000 $137,195
    5-6% 11 $285,000 $25,909
    2.5-3% 1 $155,000 $155,000

    During 2021, Whitaker Bank's average interest rate for loans was 0.00%, while their most frequently originated rate bucket for loans was 3-4%, with 369 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 220 $13,030,000 $59,227 $1,405 3.84%
    $100k-200k 144 $20,090,000 $139,514 $1,706 3.86%
    $200k-400k 46 $11,300,000 $245,652 $2,505 3.90%
    $1MM+ 6 $21,430,000 $3,571,667 $0 3.57%
    $400k-600k 5 $2,335,000 $467,000 $0 3.99%
    $600k-1MM 1 $885,000 $885,000 $6,270 3.50%

    2021 saw Whitaker Bank place emphasis on $100,000 or less loans with 220 originations, totaling $13,030,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 125 $9,645,000 $77,160 $1,454 3.83%
    $50k-75k 79 $7,805,000 $98,797 $1,658 3.87%
    $100k-150k 63 $7,285,000 $115,635 $1,674 3.82%
    $75k-100k 54 $6,670,000 $123,519 $1,805 3.73%
    $150k-250k 26 $3,370,000 $129,615 $1,872 3.83%
    $250k+ 19 $3,805,000 $200,263 $2,935 3.79%

    Whitaker Bank lent most frequently to those with incomes in the $50k or less range, with 125 originations. The second most popular income band? $50k-75k, with 79 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 94 $10,130,000 $107,766 $1,708 3.78%
    <20% 82 $8,540,000 $104,146 $1,658 3.83%
    30-36% 65 $6,465,000 $99,462 $1,647 3.85%
    36% 10 $1,180,000 $118,000 $1,547 3.67%
    37% 8 $630,000 $78,750 $1,248 3.93%
    >60% 7 $985,000 $140,714 $1,480 3.71%
    41% 6 $660,000 $110,000 $1,188 3.76%
    50-60% 6 $610,000 $101,667 $1,507 3.73%
    39% 6 $850,000 $141,667 $1,817 3.94%
    46% 4 $400,000 $100,000 $1,443 3.69%
    38% 4 $600,000 $150,000 $2,105 3.77%
    40% 4 $500,000 $125,000 $1,687 3.71%
    43% 4 $270,000 $67,500 $1,256 3.78%
    42% 3 $315,000 $105,000 $1,847 3.71%
    49% 2 $200,000 $100,000 $1,462 3.50%
    44% 1 $45,000 $45,000 $1,384 3.50%

    Whitaker Bank lent most frequently to those with DTI ratios of 20-30%, with 94 originations. The next most common DTI ratio? <20%, with 82 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 336 $36,120,000 $107,500 $1,639 3.80%
    Not applicable 40 $27,100,000 $677,500 $0 4.12%
    Not provided 40 $5,200,000 $130,000 $1,238 3.99%
    Other Asian 2 $210,000 $105,000 $1,838 3.50%
    Black 2 $190,000 $95,000 $0 4.01%
    Asian 1 $145,000 $145,000 $0 4.00%
    Asian Indian 1 $105,000 $105,000 $1,745 3.50%

    Approval Rates

    Total approvals of all applications
    90.94%

    Whitaker Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    90.52%

    Whitaker Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    19.5 1 $15,000 $15,000
    269.5 4 $80,000 $20,000
    NA 417 $68,975,000 $165,408

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    422 $69,070,000 $163,673

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 48 $3,450,000 $71,875 $1,441 3.82%
    40-60% 78 $18,850,000 $241,667 $1,488 3.77%
    60-80% 182 $23,650,000 $129,945 $1,686 3.84%
    80-100% 99 $18,465,000 $186,515 $1,812 3.94%
    Over 100% 1 $1,145,000 $1,145,000 $0 3.90%
    Under 20% 12 $3,420,000 $285,000 $1,126 3.87%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Whitaker Bank 100 Financial Way Georgetown, KY 40324 Full Service B&M $27,229
    Whitaker Bank 100 N Main Corbin, KY 40701 Full Service B&M $130,274
    Whitaker Bank 1000 Brandy Lane Richmond, KY 40475 Full Service B&M $26,703
    Whitaker Bank 102 West Jefferson Street Berea, KY 40403 Full Service B&M $6,223
    Whitaker Bank 1025 South Highway 25 West Williamsburg, KY 40769 Full Service B&M $9,852
    Whitaker Bank 1104 North College Street Harrodsburg, KY 40330 Limited, Drive-thru $0
    Whitaker Bank 1157 Berea Rd Richmond, KY 40475 Full Service B&M $24,749
    Whitaker Bank 1280 Hwy 770 Corbin, KY 40701 Full Service B&M $5,885
    Whitaker Bank 130 S. Main Street Stanton, KY 40380 Full Service B&M $86,266
    Whitaker Bank 130 West Main Street Frankfort, KY 40601 Full Service B&M $69,730
    Whitaker Bank 1319 Cumberland Falls Highway Corbin, KY 40701 Full Service B&M $18,087
    Whitaker Bank 1400 East Master Street Corbin, KY 40701 Full Service B&M $28,475
    Whitaker Bank 1489 Flemingsburg Morehead, KY 40351 Full Service B&M $14,853
    Whitaker Bank 1818 S Ky Highway 15 Hazard, KY 41702 Full Service B&M $21,917
    Whitaker Bank 187 Main Street Whitesburg, KY 41858 Full Service B&M $49,231
    Whitaker Bank 191 Ky 15 South Campton, KY 41301 Full Service B&M $27,078
    Whitaker Bank 2001 Pleasant Ridge Drive Lexington, KY 40505 Full Service B&M $95,701
    Whitaker Bank 2097 Harrodsburg Road Lexington, KY 40504 Limited, Drive-thru $4,460
    Whitaker Bank 211 South Main Street Harrodsburg, KY 40330 Full Service B&M $63,885
    Whitaker Bank 218 West Main Street Danville, KY 40422 Full Service B&M $2,033
    Whitaker Bank 228 Glades Road Berea, KY 40403 Full Service B&M $35,269
    Whitaker Bank 2311 Paris Pike Drive Lexington, KY 40505 Full Service B&M $72,204
    Whitaker Bank 2510 Nicholasville Road Lexington, KY 40503 Full Service Retail $11,191
    Whitaker Bank 264 Versailles Road Frankfort, KY 40601 Full Service B&M $21,728
    Whitaker Bank 275 Indian Mound Drive Mount Sterling, KY 40353 Full Service B&M $33,632
    Whitaker Bank 30 West Main Street Mount Sterling, KY 40353 Full Service B&M $51,147
    Whitaker Bank 303 Richmond Rd Berea, KY 40403 Full Service B&M $64,869
    Whitaker Bank 350 Richmond Street Mount Vernon, KY 40456 Full Service B&M $10,861
    Whitaker Bank 3750 New Irvine Rd Waco, KY 40385 Full Service B&M $23,431
    Whitaker Bank 39 Public Square Lancaster, KY 40444 Full Service B&M $48,709
    Whitaker Bank 4085 Camargo Road Mount Sterling, KY 40353 Full Service B&M $12,871
    Whitaker Bank 419 Chestnut Street Berea, KY 40403 Full Service B&M $179,254
    Whitaker Bank 424 Chestnut Street Berea, KY 40403 Limited, Administrative $0
    Whitaker Bank 4459 Main Street Clay City, KY 40312 Full Service B&M $22,984
    Whitaker Bank 460 Eastern By-Pass Richmond, KY 40475 Full Service B&M $40,054
    Whitaker Bank 777 Morton Blvd Hazard, KY 41701 Full Service B&M $15,836
    Whitaker Bank 920 South College Street Harrodsburg, KY 40330 Full Service B&M $22,811
    Whitaker Bank 9387 Hwy 805 Jenkins, KY 41537 Full Service B&M $16,432
    Whitaker Bank Danville Street And Maple Avenue Lancaster, KY 40444 Full Service B&M $4,948
    Whitaker Bank Governors Ln, 998 Governors Ln Lexington, KY 40513 Full Service B&M $9,540
    Whitaker Bank Highway 15 North Whitesburg, KY 41858 Full Service B&M $30,337
    Whitaker Bank Highways 15 And 7 Isom, KY 41824 Full Service B&M $16,196
    Whitaker Bank Main And Broadway Georgetown, KY 40324 Full Service B&M $138,137
    Whitaker Bank Main Street At Carey Avenue Morehead, KY 40351 Full Service B&M $57,832
    Whitaker Bank U.S. 25 Georgetown, KY 40324 Full Service B&M $20,006
    Whitaker Bank U.S. Highway 127 Frankfort, KY 40601 Full Service B&M $12,179

    For 2021, Whitaker Bank had 46 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $56,277
    Net interest income $53,765
    Total noninterest income $14,409
    Gross Fiduciary activities income $3,651
    Service charges on deposit accounts $3,695
    Trading account gains and fees $0
    Additional Noninterest Income $7,063
    Pre-tax net operating income $17,999
    Securities gains (or losses, -) $524
    Income before extraordinary items $14,903
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $14,903
    Minority interest net income $0
    Net income $14,903
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $14,483

    Whitaker Bank's gross interest income from loans was $56,277,000.
    Whitaker Bank's net interest income from loans was $53,765,000.
    Whitaker Bank's fee based income from loans was $3,695,000.
    Whitaker Bank's net income from loans was $14,903,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $2,512
    Provision for credit losses $0
    Total noninterest expense $50,175
    Salaries and employee benefits $22,380
    Premises and equipment expense $9,299
    Additional noninterest expense $18,496
    Applicable income taxes $3,620
    Net charge-offs $269
    Cash dividends $12,000

    Whitaker Bank's interest expense for loans was $2,512,000.
    Whitaker Bank's payroll and benefits expense were $22,380,000.
    Whitaker Bank's property, plant and equipment expenses $9,299,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 1.0%
    Real Estate loans 1.0%
    Construction & Land Development loans 3.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 1.0%
    HELOC loans 0.0%
    All other family 1.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.1%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $1,705,885
    Deposits held in domestic offices $1,705,885
    Deposits by Individuals, partnerships, and corporations $1,582,147
    Deposits by U.S. Government $5
    Deposits by States and political subdivisions in the U.S. $123,708
    Deposits by Commercial banks and other depository institutions in U.S. $25
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $211,489
    Demand deposits $128,737
    Nontransaction accounts $1,494,396
    Money market deposit accounts (MMDAs) $147,773
    Other savings deposits (excluding MMDAs) $1,122,810
    Total time deposits $223,814
    Total time and savings deposits $1,577,148
    Noninterest-bearing deposits $523,652
    Interest-bearing deposits $1,182,233
    Retail deposits $1,678,363
    IRAs and Keogh plan accounts $57,550
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $2,063,401
    Cash & Balances due from depository institutions $105,146
    Interest-bearing balances $69,682
    Total securities $1,035,766
    Federal funds sold & reverse repurchase $0
    Net loans and leases $839,973
    Loan and leases loss allowance $15,397
    Trading account assets $0
    Bank premises and fixed assets $26,266
    Other real estate owned $5,049
    Goodwill and other intangibles $23,251
    All other assets $27,950

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $2,063,401
    Total Liabilities $1,809,161
    Total deposits $1,705,885
    Interest-bearing deposits $1,182,233
    Deposits held in domestic offices $1,705,885
    % insured (estimated) $75
    Federal funds purchased and repurchase agreements $100,179
    Trading liabilities $0
    Other borrowed funds $0
    Subordinated debt $0
    All other liabilities $3,097

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $839,973
    Loan and leases loss allowance $15,397
    Total loans and leases (domestic) $855,370
    All real estate loans $755,714
    Real estate loans in domestic offices $755,714
    Construction and development loans $81,757
    Residential 1-4 family construction $23,860
    Other construction, all land development and other land $57,897
    Loans secured by nonfarm nonresidential properties $286,826
    Nonfarm nonresidential secured by owner-occupied properties $196,328
    Commercial real estate & other non-farm, non-residential $90,498
    Multifamily residential real estate $44,191
    1-4 family residential loans $292,930
    Farmland loans $50,010
    Loans held in foreign offices $0
    Farm loans $7,775
    Commercial and industrial loans $43,061
    To non-U.S. addressees $0
    Loans to individuals $41,365
    Credit card loans $2,515
    Related Plans $111
    Consumer Auto Loans $15,075
    Other loans to individuals $23,664
    All other loans & leases $7,455
    Loans to foreign governments and official institutions $0
    Other loans $2,267
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $1,207
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $14,163
    Non 1-4 family restructured loans & leases $7,870
    Total loans and leases (foreign) $0

    Whitaker Bank had $839,973,000 of loans outstanding in 2021. $755,714,000 of loans were in real estate loans. $81,757,000 of loans were in development loans. $44,191,000 of loans were in multifamily mortgage loans. $292,930,000 of loans were in 1-4 family mortgage loans. $7,775,000 of loans were in farm loans. $2,515,000 of loans were in credit card loans. $15,075,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 555 $97,937 $176,463
    Nonfarm, nonresidential loans - <$100k 158 $5,611 $35,513
    Nonfarm, nonresidential loans - $100-250k 190 $19,765 $104,026
    Nonfarm, nonresidential loans - $250k-1MM 207 $72,561 $350,536
    Commercial & Industrial, US addressed loans - <$1MM 868 $30,129 $34,711
    Commercial & Industrial, US addressed loans - <$100k 762 $12,214 $16,029
    Commercial & Industrial, US addressed loans - $100-250k 68 $6,025 $88,603
    Commercial & Industrial, US addressed loans - $250k-1MM 38 $11,890 $312,895
    Farmland loans - <$1MM 370 $29,753 $80,414
    Farmland loans - <$100k 208 $7,443 $35,784
    Farmland loans - $100-250k 116 $11,782 $101,569
    Farmland loans - $250k-1MM 46 $10,528 $228,870
    Agriculture operations loans - <$1MM 273 $6,170 $22,601
    Agriculture operations loans - <$100k 253 $3,744 $14,798
    Agriculture operations loans - $100-250k 15 $1,367 $91,133
    Agriculture operations loans - $250k-1MM 5 $1,059 $211,800