What loan types does Whitaker Bank offer?

Whitaker Bank offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

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 an overall pricing score of 30.8/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Whitaker Bank?

Whitaker Bank is a Bank headquartered in Lexington, KY.

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Whitaker Bank

Bank•Lexington, KYHQ•Direct•Reviews near you on Google

Whitaker Bank has 206 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Acceptable

2/5

vs. all lenders

Pull-through

Strong

4/5

closing strength

Product

Sound

3/5

Conventional

Place

Strong

4/5

Regional · 1 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

What They Do Well

Strong pull through performance

Things to Think About

Pricing may be below industry average

Explore another lender or local market

Report Card

Whitaker Bank performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Acceptable

Rates 23.0 bps below market avg

2/5

Pull Through

Closing strength

Strong

Top 40% of lenders

4/5

By Loan Product· Specialization by type

Conventional

204 loans · 0.23% below market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

105 loans · 0.21% below market

Acceptable

Bottom 40% of lenders

2/5

Refinance

101 loans · 0.25% below market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Regional · 2 markets

Strong

Top 40% of lenders

4/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Sound	Acceptable	Sound	204	99.0%	-0.228%Below	$913Fees

Conventional

Overall

Sound

Product

Sound

Pricing

Acceptable

Pull Through

Sound

Volume204

Mix99.0%

Spread

-0.228%Below

Fees

$913Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Acceptable	Acceptable	Acceptable	Acceptable	105	51.0%	-0.207%Below	$1,086Fees
Refinance	Sound	Sound	Acceptable	Strong	101	49.0%	-0.254%Below	$820Fees

Purchase

Overall

Acceptable

Product

Acceptable

Pricing

Acceptable

Pull Through

Acceptable

Volume105

Mix51.0%

Spread

-0.207%Below

Fees

$1,086Fees

Refinance

Overall

Sound

Product

Sound

Pricing

Acceptable

Pull Through

Strong

Volume101

Mix49.0%

Spread

-0.254%Below

Fees

$820Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

206

Applications

256

Volume

$40 million

Pricing & Closing

Avg Rate Spread

-0.230%

vs. market APOR

Avg Net Fees

$957

Origination − Credits

Pullthrough Rate

80.5%

Applications → Closed

Typical Borrower

Avg Loan Amount

$198,058

Avg Borrower Income

$114,568

Avg Property Value

$327,864

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

2Full-year 2024 · HMDA

Loans originated

< 200200+None

South2

FLKY

Top Metro Areas by Place Specialization Score

Lexington, KYMetro

Volume 28Mix 13.59% of portfolio

62/100

Strong

Top States by Place Specialization Score

KentuckyState

Volume 205Mix 99.51% of portfolio

80/100

Exceptional

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.