Whitaker Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
Whitaker Bank 2005 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Whitaker Bank Po Box 55439 Lexington, KY 40555 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 |
| Total Number of Mortgage Applications | 2,379 |
| Total Mortgage Loan Application Amount | $151,536,000 |
| Average Mortgage Loan Application Amount | $295,636 |
| Highest Mortgage Loan Application Amount | $3,840,000 |
| Average Applicant Income | $140,727 |
| Highest Applicant Income | $3,442,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 with Whitaker Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Whitaker Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2005 breaks down Whitaker Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Whitaker Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Whitaker Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Whitaker Bank's mortgage activity for 2005.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Powell County Kentucky | 408 | $ 14,369,000 | $ 35,000 | $ 51,000 |
| Letcher County Kentucky | 250 | $ 7,586,000 | $ 30,000 | $ 45,000 |
| Wolfe County Kentucky | 201 | $ 5,615,000 | $ 27,000 | $ 37,000 |
| Scott County Kentucky | 189 | $ 17,351,000 | $ 91,000 | $ 49,000 |
| Montgomery County Kentucky | 187 | $ 8,992,000 | $ 48,000 | $ 29,000 |
| Rowan County Kentucky | 160 | $ 9,826,000 | $ 61,000 | $ 47,000 |
| Perry County Kentucky | 121 | $ 6,458,000 | $ 53,000 | $ 40,000 |
| Fayette County Kentucky | 111 | $ 19,747,000 | $ 177,000 | $ 93,000 |
| Garrard County Kentucky | 95 | $ 6,354,000 | $ 66,000 | $ 209,000 |
| Franklin County Kentucky | 83 | $ 6,090,000 | $ 73,000 | $ 119,000 |
| Whitley County Kentucky | 52 | $ 6,312,000 | $ 121,000 | $ 41,000 |
| Madison County Kentucky | 43 | $ 5,356,000 | $ 124,000 | $ 53,000 |
| Bath County Kentucky | 38 | $ 2,785,000 | $ 73,000 | $ 37,000 |
| Knott County Kentucky | 34 | $ 1,496,000 | $ 44,000 | $ 44,000 |
| Lee County Kentucky | 33 | $ 633,000 | $ 19,000 | $ 48,000 |
| Nicholas County Kentucky | 33 | $ 1,327,000 | $ 40,000 | $ 53,000 |
| Laurel County Kentucky | 30 | $ 3,220,000 | $ 107,000 | $ 35,000 |
| Menifee County Kentucky | 28 | $ 959,000 | $ 34,000 | $ 32,000 |
| Breathitt County Kentucky | 26 | $ 936,000 | $ 36,000 | $ 210,000 |
| Knox County Kentucky | 24 | $ 1,734,000 | $ 72,000 | $ 38,000 |
| Leslie County Kentucky | 24 | $ 745,000 | $ 31,000 | $ 35,000 |
| Clark County Kentucky | 22 | $ 1,393,000 | $ 63,000 | $ 60,000 |
| Estill County Kentucky | 16 | $ 571,000 | $ 35,000 | $ 41,000 |
| Bourbon County Kentucky | 15 | $ 702,000 | $ 46,000 | $ 52,000 |
| Fleming County Kentucky | 13 | $ 537,000 | $ 41,000 | $ 49,000 |
| Lincoln County Kentucky | 13 | $ 1,046,000 | $ 80,000 | $ 52,000 |
| Harrison County Kentucky | 12 | $ 702,000 | $ 58,000 | $ 166,000 |
| Boyle County Kentucky | 11 | $ 2,917,000 | $ 265,000 | $ 106,000 |
| Jessamine County Kentucky | 10 | $ 1,655,000 | $ 165,000 | $ 104,000 |
| Woodford County Kentucky | 10 | $ 599,000 | $ 59,000 | $ 42,000 |
| Morgan County Kentucky | 8 | $ 249,000 | $ 31,000 | $ 45,000 |
| Shelby County Kentucky | 8 | $ 1,104,000 | $ 138,000 | $ 181,000 |
| Pulaski County Kentucky | 5 | $ 252,000 | $ 50,000 | $ 56,000 |
| Anderson County Kentucky | 4 | $ 387,000 | $ 96,000 | $ 215,000 |
| Jefferson County Kentucky | 4 | $ 465,000 | $ 116,000 | $ 51,000 |
| Pike County Kentucky | 4 | $ 71,000 | $ 17,000 | $ 20,000 |
| Elliott County Kentucky | 3 | $ 259,000 | $ 86,000 | $ 64,000 |
| Grant County Kentucky | 3 | $ 206,000 | $ 68,000 | $ 103,000 |
| Kenton County Kentucky | 3 | $ 36,000 | $ 12,000 | $ 53,000 |
| McCreary County Kentucky | 3 | $ 94,000 | $ 31,000 | $ 31,000 |
| Carter County Kentucky | 2 | $ 22,000 | $ 11,000 | $ 69,000 |
| Mercer County Kentucky | 2 | $ 184,000 | $ 92,000 | $ 48,000 |
| Owen County Kentucky | 2 | $ 143,000 | $ 71,000 | $ 96,000 |
| Owsley County Kentucky | 2 | $ 191,000 | $ 95,000 | $ 70,000 |
| Russell County Kentucky | 2 | $ 146,000 | $ 73,000 | $ 14,000 |
| Scott County Tennessee | 2 | $ 63,000 | $ 31,000 | $ 38,000 |
| Jefferson County Alabama | 1 | $ 259,000 | $ 259,000 | $ 120,000 |
| Brevard County Florida | 1 | $ 895,000 | $ 895,000 | $ 0 |
| Collier County Florida | 1 | $ 3,840,000 | $ 3,840,000 | $ 0 |
| Hillsborough County Florida | 1 | $ 175,000 | $ 175,000 | $ 99,000 |
| Indian River County Florida | 1 | $ 60,000 | $ 60,000 | $ 0 |
| Okaloosa County Florida | 1 | $ 11,000 | $ 11,000 | $ 60,000 |
| Walton County Florida | 1 | $ 2,600,000 | $ 2,600,000 | $ 2,260,000 |
| Noble County Indiana | 1 | $ 66,000 | $ 66,000 | $ 145,000 |
| Boone County Kentucky | 1 | $ 350,000 | $ 350,000 | $ 136,000 |
| Boyd County Kentucky | 1 | $ 80,000 | $ 80,000 | $ 57,000 |
| Breckinridge County Kentucky | 1 | $ 3,000 | $ 3,000 | $ 24,000 |
| Bullitt County Kentucky | 1 | $ 85,000 | $ 85,000 | $ 148,000 |
| Casey County Kentucky | 1 | $ 60,000 | $ 60,000 | $ 12,000 |
| Clay County Kentucky | 1 | $ 70,000 | $ 70,000 | $ 96,000 |
| Clinton County Kentucky | 1 | $ 9,000 | $ 9,000 | $ 24,000 |
| Harlan County Kentucky | 1 | $ 30,000 | $ 30,000 | $ 19,000 |
| Johnson County Kentucky | 1 | $ 2,000 | $ 2,000 | $ 40,000 |
| Marion County Kentucky | 1 | $ 4,000 | $ 4,000 | $ 50,000 |
| Mason County Kentucky | 1 | $ 105,000 | $ 105,000 | $ 40,000 |
| Rockcastle County Kentucky | 1 | $ 75,000 | $ 75,000 | $ 55,000 |
| Taylor County Kentucky | 1 | $ 139,000 | $ 139,000 | $ 150,000 |
| Trigg County Kentucky | 1 | $ 103,000 | $ 103,000 | $ 28,000 |
| Washington County Kentucky | 1 | $ 94,000 | $ 94,000 | $ 45,000 |
| Wayne County Kentucky | 1 | $ 12,000 | $ 12,000 | $ 9,000 |
| Claiborne County Tennessee | 1 | $ 64,000 | $ 64,000 | $ 49,000 |
| Grainger County Tennessee | 1 | $ 72,000 | $ 72,000 | $ 47,000 |
| Jefferson County Tennessee | 1 | $ 223,000 | $ 223,000 | $ 384,000 |
| Lee County Virginia | 1 | $ 60,000 | $ 60,000 | $ 49,000 |
Mortgage Loan Application Detail Totals for Whitaker Bank in 2005
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 916 | $81,763,000 | $492,500 | $3,840,000 | $214,166 | $3,442,000 |
| Refinancing | 778 | $57,788,000 | $66,000 | $2,000,000 | $56,000 | $2,647,000 |
| Home Improvement | 685 | $11,985,000 | $49,500 | $800,000 | $47,500 | $316,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 2,225 | $122,125,000 | $448,142 | $2,600,000 | $400,428 | $3,442,000 |
| Not applicable | 93 | $24,006,000 | $905,500 | $3,840,000 | $43,000 | $2,647,000 |
| Black or African American | 38 | $1,482,000 | $39,000 | $260,000 | $43,000 | $125,000 |
| Not Provided | 12 | $585,000 | $106,000 | $175,000 | $116,500 | $686,000 |
| Asian | 5 | $2,664,000 | $532,000 | $1,955,000 | $205,000 | $824,000 |
| Hispanic | 4 | $269,000 | $48,500 | $98,000 | $73,000 | $173,000 |
| American Indian or Alaskan Native | 2 | $405,000 | $202,000 | $335,000 | $36,000 | $45,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 2,363 | $149,742,000 | $258,142 | $3,840,000 | $135,857 | $3,442,000 |
| FHA-insured (Federal Housing Administration) | 12 | $1,342,000 | $111,000 | $169,000 | $40,000 | $73,000 |
| VA-guaranteed (Veterans Administration) | 4 | $452,000 | $113,000 | $165,000 | $41,000 | $60,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 1,985 | $129,714,000 | $299,333 | $3,840,000 | $158,833 | $3,442,000 |
| Application Denied By Financial Institution | 246 | $12,135,000 | $60,500 | $800,000 | $40,500 | $360,000 |
| Application Withdrawn By Applicant | 59 | $4,878,000 | $49,000 | $852,000 | $43,000 | $182,000 |
| Application Approved But Not Accepted | 50 | $3,223,000 | $64,000 | $710,000 | $69,000 | $600,000 |
| Loan Purchased By The Institution | 32 | $603,000 | $18,000 | $63,000 | $231,000 | $3,356,000 |
| File Closed For Incompleteness | 7 | $983,000 | $140,000 | $259,000 | $44,000 | $80,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 164 | $6,713,000 | $56,000 | $445,000 | $41,500 | $360,000 |
| Debt-To-Income Ratio | 45 | $2,999,000 | $66,000 | $298,000 | $27,000 | $72,000 |
| Collateral | 18 | $872,000 | $48,000 | $208,000 | $48,000 | $115,000 |
| Employment History | 6 | $1,078,000 | $179,000 | $800,000 | $21,000 | $45,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $328,000 | $54,000 | $154,000 | $31,000 | $84,000 |
| Other | 2 | $69,000 | $34,000 | $60,000 | $25,000 | $34,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Whitaker Bank's 2005 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Whitaker Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Kentucky, download the full spreadsheet
with aggregated HMDA statistics today.